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We are finding your benefits mortgage expert!

Your advisor will need a copy of your credit report, so why not take some time to get your free credit report now?

Get Your Free Credit Report

(This won't affect your credit score)

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No need to go anywhere else, you’re in safe hands!

Our network of advisors have helped secure mortgages for thousands of people on benefits or a sole income. They’re experts who will cater their advice to your particular situation. What comes next?

We've got your enquiry

It's the perfect time to get your credit report!

Your advisor will need your credit report, we've partnered with UK Credit Ratings to get yours for free.

Your advisor gets assigned

Based on the information you have provided.

We will match you with the perfect expert advisor, who will help you access 20% more lenders than if you were to do it alone!

Wait for their call

This should be within 24 hours but sometimes as little as 1 hour.

You'll receive a call from your expert advisor within the next day but sometimes in as little as an hour! Don't worry if you miss it the first time. You may also get a text and an email so you can arrange a suitable time for you.

How do I know a lender will accept my benefit type?

Online Mortgage Advisor works with an extensive network of advisors who will discuss your full situation including what type of benefits you’re receiving. It is possible for you to get a mortgage if you are claiming:

  • Universal Credit
  • Child Benefit & Child Tax Credits
  • Disability Benefits
  • Jobseekers Allowance
  • Carers Allowance
  • Widow’s pension

Your advisor may ask you for some more information such as the circumstances surrounding your income and if you are claiming benefits, what they are, and how much you receive, so ensure you have your paperwork in order.

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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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