Mortgage Using Child Disability Living Allowance (DLA): What UK Families Need to Know

For many families raising a child with long-term disabilities, buying a home can seem out of reach—especially if a significant portion of their income comes from Child Disability Living Allowance (DLA) or other benefit payments. One of the most common questions we receive as mortgage brokers is: Can you get a mortgage on DLA?

The answer is: yes, you can—with the right preparation, lender, and advice. This guide will explain everything you need to know about getting a mortgage using Child Disability Living Allowance (DLA) and other benefits like Universal CreditA government benefit that replaces several other benefits, i..., Housing BenefitIncome received by borrowers who receive housing benefit., and Pension Credit, and how they factor into mortgage affordability calculations.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The article is updated as of June 6 2025

Understanding Mortgage Affordability Criteria When Benefits Are Involved

Every mortgage lender uses its own affordability criteria to assess whether you can manage your monthly repayments. These criteria consider your current income, regular outgoings, credit score, and the type of mortgage you’re applying for. Crucially, income for affordability can include declarable income from various benefit payments, including:

• Child DLA (including Mobility and Care components)
• Universal Credit (including housing element)
• Pension Credit (including guarantee credit)
• Attendance AllowanceIncome received by borrowers who require care due to a disab...
• Child Benefit
• Jobseeker’s Allowance
• Income SupportIncome received by borrowers who are on a low income.
• Foreign currency income (in select cases, depending on lender policies)

However, lenders will scrutinise whether this is consistent income, how long it is expected to last (e.g. indefinite period or time-limited award), and whether it’s supported by official documentation such as a DWP award letter, bank statementsA record of a borrower's financial transactions often requir..., or payslips.

What Lenders Look For in Mortgage Applications with Disability Benefits?

Key Eligibility Criteria

Most specialist mortgage brokers and independent mortgage advisers will tell you that the following will be examined:

• Length of benefit entitlement (especially for DLA or Attendance Allowance)
• Evidence of a long-term health condition or disabled person award
• Any additional income from part-time work or rental income
• Your credit history (e.g., no months in mortgage arrears or adverse credit issues)
• Your ability to cover the mortgage term and mortgage repayments

While mainstream lenders may hesitate, many exclusive mortgage experts or CeMAP-qualified mortgage advisers work with lenders that are comfortable accepting benefits as income, especially when combined with employment income, pension income, or income from properties let.

Which Mortgage Lenders Accept DLA and Benefits?

Not all banks will accept benefit income, but several mortgage lenders—especially building societies and business banks with flexible lending rules—may consider the following:

• Disability benefits mortgage UK packages
• Mortgages for people on basic income
• Mortgages for people with long-term diary of care
• Benefit for people with mobility issues

These lenders assess income calculations differently, sometimes using a boost on income figures when combined with child benefit or expected retirement income from pension planning.

To find the right lender for your circumstances, consult a specialist mortgage adviser such as those at Needing Advice for independent advice. They can help tailor an application based on your specific benefits, employment contract, and range of factors affecting affordability.

Documents You’ll Need to Support Your Application

To maximise your chance of mortgage approval, prepare the following:

• DWP award letters (e.g. for DLA, Universal Credit, Attendance Allowance)
• Bank statements covering at least three months
• Employment contract or employer letter (if working)
• Consecutive payslips or fortnightly payslips
• Evidence for product transfer (if remortgaging)
• Claim pack and documentation for any benefit for people with disabilities

If you’re receiving income from foreign property, be ready to present foreign income details, including exchange rates, rental property information, and background properties owned.

Additional Considerations: Shared OwnershipA scheme where a borrower purchases a share of a property an... and Other Government Schemes

For families on low or modest income, government-backed schemes such as Shared Ownership, Help to Buy, or First Homes can be game changers. These reduce the deposit required and can help structure the purchase to match your monthly income and average income projections.

Check if your local housing association or council offers targeted support for families with disabled children, or contact Citizens Advice for guidance on eligibility.

FAQs: Mortgage with Child DLA Income and Other Benefits

Can I get a mortgage with only DLA and Housing Benefit?

It’s possible, but challenging. Most lenders want to see some employment or additional income. Benefit-only cases often require specialist lenders or independent mortgage advice.

How is DLA assessed for mortgage affordability?

Lenders will assess whether your DLA is awarded for a long-term disability, and whether the care or mobility component is likely to continue for the mortgage term.

What if my child is in hospital for an extended period?

You may still receive DLA for a child in hospital, depending on the length of the stay. This can impact your income assessment, so disclose this in your application and provide supporting evidence.

Is bad credit a dealbreaker?

Not necessarily. Several lenders specialise in mortgages for people with bad credit or a low credit rating. Your credit history will impact the rate offered, but won’t always block your application.

What role does a mortgage broker play?

A mortgage broker will:

• Identify lenders who accept benefits as declarable income
• Navigate complex eligibility criteria
• Provide a mortgage calculator based on your full income profile
• Secure a fast-tracked decision with a specialist lender

Where to Get Help: Personalised Advice & Trusted Resources

For personal guidance on using benefits such as DLA, Universal Credit, or Pension Credit to secure a mortgage, speak with a CeMAP-qualified mortgage advisor. Trusted firms include:

• Needing Advice – for independent financial advice
• The Finance Woman – focused on financial advice for women
• RateSwitch Rewards – ideal for switching mortgage deals or maximising expected retirement income

You can also read related guidance on:

• Mortgages with child tax credits
• Transferring a mortgage to a child
• Using child maintenance income for a mortgage

Ready to Take the Next Step?

Buying a home when you rely on disability-related income is not only possible—it’s increasingly supported by specialist lenders and government frameworks.

• Book a consultation with a mortgage specialist
• Call now for a free affordability check

Let us help you go the extra mile for your family’s future.