Mortgages on Carer’s Allowance – Frequently Asked Questions

Many carers worry that being on Carer’s Allowance or other benefits means they will never be able to get a mortgage. In reality, some UK lenders will look at Carer’s Allowance, Universal Credit and part-time work as part of your overall income – but the rules and criteria can be quite strict.

This FAQ section brings together simple answers to common questions from carers, including:

• Can I get a mortgage if my main income is Carer’s Allowance?
• How do lenders work out affordability when I’m on benefits?
• What documents will I need to prove my income and situation?
• Are there specialist lenders and brokers who understand carer mortgages?

Important: Getting a mortgage while receiving Carer’s Allowance will depend on your full circumstances, including any other income, debts and credit history. You should always speak to a regulated mortgage adviser before making any decisions.