Can I Get a Mortgage On Benefits
Need a Mortgage on Universal Credit or Other Benefits?
Are you receiving Universal Credit or other types of benefits and wondering whether you can get a mortgage? Many Lenders accept certain benefits
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Disability Living Allowance (DLA),
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Personal Independence Payment (PIP)
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Attendance Allowance
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Employment and Support Allowance (ESA)
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universal credit
Lenders usually want to see that this income is consistent and likely to continue. In many cases, it must be supported with award letters and recent bank statements. If you're receiving disability benefits alongside other income (e.g. part-time work or Universal Credit), your mortgage options are likely to expand further.
Drummonds Finance Group can help you understand which lenders are most flexible with disability income and what you need to apply successfully.
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📄 What Do Lenders Look for?
With the proper guidance, securing a benefit-based mortgage, including a Universal Credit mortgage, is possible.
At Drummonds Finance Group, we specialise in helping people from all financial backgrounds—including those on benefits—find the right mortgage deal. We work with 100+ lenders, many of whom consider Universal Credit as part of your income when assessing affordability.
When assessing a Universal Credit mortgage application, lenders consider:
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The type and amount of Universal Credit you receive
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Whether it's combined with employment, self-employment or pensions
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Your credit history
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Deposit size (5% to 20 %+ is typical)
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Evidence of consistent income (bank statements, award letters)
Top Tip: The stronger your documentation and the bigger your deposit, the better your chances of securing a good deal.
📞 Why Use a Broker for Benefit or Universal Credit Mortgage?
Getting a mortgage on Universal Credit can be tricky without professional help. As your trusted mortgage broker for Universal Credit applicants, Drummonds Finance Group offers:
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Access to exclusive lender deals not available on comparison sites
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Up-to-date knowledge of changing lender criteria
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One-on-one support from application to completion
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Fast pre-approval checks to save time
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Knowing the correct lenders to approach
🔍 Can You Get a Mortgage If Benefit or Universal Credit Is Your Only Income?
In some cases, yes—but it's much easier if:
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You have a joint application with someone earning
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You receive additional support (e.g., child benefit, PIP)
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You have a large deposit (15%+)
We’ll help you understand what’s realistic for your situation.
🏠 What Is Universal Credit and Other Benefits-Based Income?
Universal Credit is a UK government benefit designed to support people who are on a low income, unemployed, or unable to work. It replaces several older benefits like Housing Benefit, Jobseeker’s Allowance, and Tax Credits, combining them into one monthly payment.
Other common forms of benefit-based income can include:
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Child Benefit
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Working Tax Credit
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Income Support
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Personal Independence Payment (PIP)
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Disability Living Allowance (DLA)
These benefits may be considered by specific lenders as part of your income when applying for a mortgage, depending on how stable and ongoing the payments are.
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