A disabled person in employment should not find any more difficulty in finding a mortgage than a non-disabled person. Unfortunately, your client may face the following issues:
Your client should look for a mortgage lender who accepts benefits in the same way as earned income. Many don't, and this may reduce the level of mortgage possible considerably in the case of a household with more than one disabled person.
If your client is on a low income, normally because they are working part-time, they may not be able to get a mortgage on their employment income. Their small income may also, however, make them ineligible for benefits that could pay the interest on a mortgage or loan. The number of hours they work will also determine whether they are eligible for benefits, even if their income is low.
In certain circumstances mortgage interest payments, and other housing costs, can be included as part of an Income Support, Income Based Job Seekers Allowance (IBJSA) or Pension Credit (with guarantee credit) claim. This entitlement is known as an Income Support Mortgage Interest (ISMI) payment.
If a client is excluded from an ISMI eligible benefit because their income is slightly too high but needs to raise or increase a mortgage, the extra mortgage interest costs which they would incur may make them eligible for ISMI eligible benefits. If this is the case the client should be referred to a welfare benefits specialist for advice.
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