Social housing is a term used to describe property rented from a local council, housing association, or cooperative. Private housing is that which is rented from a single landlord or letting company.
You might be eligible for assistance from the government for your rent or mortgage if you don’t have a job or if you have a job but are making a low income.
Whether you live in privately leased housing or social housing, you can ask for assistance with the expense of rent.
Recommended: 10 Top Charities That Help Single Mothers UK
Although the conditions for housing benefits, universal credit, and council tax reduction are different, you should still be able to claim benefits as a single parent if you’re considering living with friends or family.
Read on to find out more about Housing Help for Single Mothers UK.
Being a Private Landlord’s Tenant
Rent from a private landlord is typically more expensive than housing provided by the government. You can use housing benefits to pay your rent, but you must first confirm the local maximum amount you are eligible to receive.
The property’s size and the neighborhood you live in will affect the rent.
Prior to the start of your tenancy, you should decide on the rent and the method of payment with your landlord.
Before you sign the tenancy agreement, thoroughly read it, making sure you are aware of all the terms and conditions as well as any fees you will be required to pay. If there is anything you are unsure of, ask the landlord or rental agency to clarify it.
You might want to ascertain your eligibility for housing benefits or Universal Credit and the amount of that assistance before signing a lease.
Making a Housing Application to Your Local Council
Local councils utilize a waiting list or a bidding process is known as “choice-based lettings” to distribute council housing. Some councils utilize both in tandem.
You must wait until the council notifies you that a home is available if your council has a waiting list. You bid on properties that you are qualified to apply for if your municipality employs the choice-based lettings system.
In both situations, the council gives housing preference to individuals with the highest need, or “priority need,” before moving on to those with lesser priority.
The List of Housing Help for Single Mothers UK
The following advantages might not be available to you if you just immigrated to the UK, have a restricted visa, or are a member of the European Union.
Any applications you make to the Home Office to live in the UK may be impacted if you receive them. Get guidance before making a claim.
Rent and council tax assistance should be provided if you are receiving income support, jobseekers’ assistance, or employment and support allowance. If you’re working but making a meager living, getting other benefits, or both, you can also qualify for assistance.
Whether you rent from a private landlord or a social landlord like a council or housing association, you are eligible to get housing benefits and a council tax reduction.
You need a commercial tenancy agreement if you rent your house from a friend or relative. You might not be able to claim housing benefits for any rent you pay if you live with a close relative.
The amount of housing benefit and council tax reduction you receive depends on your circumstances and income because they are means-tested benefits.
Before you sign a tenancy agreement, you can ask your local council for a “pre-tenancy decision” (also known as an assessment in advance) to find out how much housing and council tax assistance you would receive for a specific property.
Housing assistance if you’re under 35
The amount of housing benefit you can get if you’re under 35, don’t have kids, and rent from a private landlord is capped at what you’d get for a single room in a shared house. The rate for shared lodging is what it is termed.
If you’re expecting your first child while pregnant, you might not be able to rent a place on your own until after the birth of your child if you depend on housing benefits or universal credit. Note that this restriction does not apply to single parents under 35 who already have children living with them.
If you have ever been in foster care or are now renting a home, there are exceptions and unique regulations.
Recommended: 5 Top Environmental Issues in the UK & Solutions
Assistance with private landlord rent costs: local restrictions
There is a cap on the amount of housing benefit or Universal Credit housing element you can receive if you rent a home from a private landlord.
The local housing allowance is the maximum amount. Even if you get benefits or have a low income, you must pay the difference if your rent exceeds this amount.
Every location has a different local housing allowance. For further information, go to your local council or look up the housing allowance in your area.
Many of the existing benefits and tax credits are being replaced by the new benefits system known as Universal Credit. In some Job Centers, families with children who are claiming benefits for the first time now claim Universal Credit rather than housing assistance.
If you receive Universal Credit, a sum known as the “housing element” is added to your monthly payment to aid in covering your rent. The rent is often paid straight to you each month along with the remainder of your Universal Credit payment, and you pay your landlord the appropriate amount when it’s due.