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ESA and mortgages

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9 years 3 weeks ago #132318 by Spaceman
ESA and mortgages was created by Spaceman
Is there anywhere that sets out in detail the rules about assistance with mortgage interest payments for those on ESA?

In one guide I read it said that for a mortgage taken out whilst on ESA, the assistance is limited to no more than was being paid in Housing Benefit for that person for the first year but that's all I've come across so far. Even that's ambiguous and could either mean that after one year, all assistance ceases or after one year, the assistance can go up if necessary to cover the interest.

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9 years 3 weeks ago #132327 by Gordon
Replied by Gordon on topic ESA and mortgages
DJ

Have a look at the following which seem to explain it far more clearly than Gov UK.

england.shelter.org.uk/get_advice/reposs...or_mortgage_interest

www.turn2us.org.uk/information__resource...costs_help.aspx#time

Gordon

Nothing on this board constitutes legal advice - always consult a professional about specific problems
The following user(s) said Thank You: Spaceman

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9 years 2 weeks ago #132379 by Spaceman
Replied by Spaceman on topic ESA and mortgages
Thanks Gordon, they are a bit clearer but is there anywhere that I can read the actual law/rules regarding SMI, as I need to know exactly what the situation is and can't just refer to these webpages if I have to argue my case with the DWP.

I note the Shelter page says that interest on loans up to £200,000 can be claimed until 31 March 2015 and the waiting period is reduced from 39 weeks to 13 weeks until 31 March 2015 as well. That's today, so do we know what the situation is now?

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9 years 2 weeks ago #132391 by Gordon
Replied by Gordon on topic ESA and mortgages
DJ

I will have to have a hunt around for anything more, we do not advise on SMI so I have no additional information available in my "files".

Gordon

Nothing on this board constitutes legal advice - always consult a professional about specific problems

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9 years 2 weeks ago #132395 by Gordon
Replied by Gordon on topic ESA and mortgages
DJ


I cannot find the actual legislation, it is probably part of a generic Act. The best I can find for you is the Decision Makers guide Chapter 44. See the following

www.gov.uk/government/uploads/system/upl...e/412686/dmgch44.pdf

Gordon

Nothing on this board constitutes legal advice - always consult a professional about specific problems

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9 years 2 weeks ago #132452 by Spaceman
Replied by Spaceman on topic ESA and mortgages
Thanks Gordon, that looks very useful. I'll have a good read of that.

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