Getting a mortgage while on benefits and not working ⁰

Hi I’m new to this group. I have been diagnosed with relapsing remitting since 2014. I have never had any advice or even talked to anyone apart from MS Nurse. I don’t feel I’ve ever accepted it. I am ill health retired. I am separating with my husband and have been told by Bank of Scotland that they don’t accept Universal Credit for mortgage unless you are working. I’m so stressed out and have to wait for appointment with financial advisor.
Could someone tell me if it is possible. Thank you

Hi Gill
Am sorry to say it’s unlikely. UC is designed to provide a basic subsistence level rather than a living wage or a working wage. Rather than a flat ban on UC as a source, you’re more likely to fail on affordability criteria. My daughter as a first-time buyer has just gone through the forms where they ask about all income and expenditure and it’s incredibily detailed these days.

I’m really sorry but I have to agree with GCCK, you will not be able to get a mortgage on benefits. Lenders require proof of a certain level of income to show you can afford the mortgage payments after monthly outgoings.

may i ask is there a house involved to sell? I had to sell my house when my husband died, because it was just way too big for me. I got a good price for it. I saw the perfect bungalow for me, which i could afford cash, but it all fell through. After that there was nothing to buy suitable, so i contacted my local council and with letters to confirm my disability etc i was put on housing list, and ended up in sheltered.

I did see a nice place i liked but i didnt have enough money so i contacted the HSBC bank and with my pension rate they would have given me a loan. again this went so that was out. Perhaps you could turn to your local council for support? I am sorry you have to seperate its never easy no matter the reasons for it. x