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Can I get a mortgage if I’m on disability benefits?


Being on disability benefits won’t stop you from being able to get a mortgage, as there are lenders out there that will take benefits into consideration even if this is your sole income.

A lender cannot legally reject your application just because you are disabled, this would be seen as discrimination. However, lenders can ask that you make a larger deposit or make larger monthly payments than a non-disabled person. A good mortgage advisor will be able to help you find a suitable mortgage lender.


As with any mortgage, it’s important to get prepared before making an application. New rules implemented on 26 April 2014 mean that mortgage lenders have to check that you’ll be able to afford your mortgage payments. They’ll do this by looking at any income you have and also your regular outgoings.  You’ll be required to prove this in the form of any payslips/benefit receipts and bank statements. Lenders will also assess what would happen if your benefits were to be reduced. It could be wise to have a savings account to show 3 months’ worth of income to protect yourself if this was to happen. If a lender believes that you cannot afford the repayments on the amount you would like to borrow, they can refuse your application.


Please note the content of this blog is for guidance purposes only and does not constitute for professional advice. Contact us today at or by calling 01473 216950.

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Thursday, 28 May 2020

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