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Can I get a mortgage on disability living allowance?
Yes, it is possible for you to get a mortgage when receiving disability living allowance.
As well as the income amount, lenders are concerned about the stability of your income, and many lenders are willing to accept government benefits as an income source, including disability living allowance (DLA).
As a whole of market broker, we have access to hundreds of lenders offering thousands of mortgage deals, including those who specialise in benefit income. Our expert advisors have helped many people like you to get the best deal possible on their mortgage, get started now and we promise to make your mortgage journey as stress-free as possible!
How can I get a mortgage using disability living allowance?
Firstly, you should know that mortgage lenders are not allowed to reject your mortgage application on the basis of disability, and it is illegal for them to ask for larger deposits or offer higher interest rates than to non-disabled borrowers. However, you will still need to meet eligibility and affordability criteria to be accepted for a mortgage, and this can vary significantly between lenders and mortgage deals.
Your best chance of getting a mortgage using benefit income is by engaging a competent mortgage broker who is experienced in mortgages for people on benefits. Not only will they be able to recommend the best lenders for your situation, but they will also be able to help boost your chances of approval. Having a mortgage application rejected can seriously affect your chances of approval in the future, so it is important to try and avoid this outcome.
It is important that you work out what you can afford to borrow, and how you might pay back your mortgage if your circumstances were to change or if interest rates were to increase.
Help to get a mortgage for someone who is disabled
If you have long-term disabilities, you may be interested in learning more about the HOLD government scheme - Home Ownership for people with a Long-Term Disability. HOLD is a shared ownership scheme that is part of the government's affordable housing programme and allows you to own a portion of your home with a housing association owning the remaining share. The housing association is involved in the sale of the property and negotiates on your behalf with the vendor and mortgage lender.
You may also be interested in MySafeHome, an organisation set up in 1997 to provide help and support for people with a disability who are looking to buy their own home. They work with people across England and Wales on High or Middle Rate Care Disability Living Allowance or the equivalent Personal Independence Payment (PIP).
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Our team of expert advisors have helped many people to find the right lender who will accept 100% of their benefit income. Get started now and find the best mortgage deal for you with Teito.
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Choosing an Adviser
Selecting a qualified and experienced mortgage adviser is of great importance. To choose a suitable adviser, evaluate their qualifications, experience, and reputation, and ensure they are regulated by the Financial Conduct Authority (FCA).
Read reviews from previous clients and make sure they provide a clear explanation of the products and services they offer, as well as the fees and charges associated with them.
Last updated 29 February 2024