If your household is starting to feel stretched, its a good idea to make sure that you are receiving any benefits to which youre entitled. We've sent you an email with information on how to reset your password. There are a number of property websites which can help you work out how much your home could be worth and you might find the Land Registry website useful. Here's a look at home loan options that allow for down payments of 3.5% or less. This provincially administered benefit is available to eligible priority groups who are on, or . If your income changes, explain how much you think youre going to get and over what period of time. Choose the month and year when your housing benefit claim starts. This ratio says that your monthly mortgage costs (which includes property taxes and homeowners insurance) should be no more than 36% of your gross monthly income, and your total monthly debt (including your anticipated monthly mortgage payment and other debts such as car or student loan payments) should be no more than 43% of your pre-tax income. It might mean youre automatically entitled to the maximum amount of Housing Benefit. Interested in refinancing your existing mortgage? Its being replaced by Universal Credit. Find out about the Energy Bills Support Scheme, Benefits and financial support if you're on a low income, Universal Credit to help with housing costs, View a printable version of the whole guide, Council and housing association evictions, Swap your council or housing association home, youre in supported, sheltered or temporary housing, you and your partner have both reached State Pension age, one of you has reached State Pension age and started claiming Pension Credit (for you as a couple) before 15 May 2019, youre living in temporary accommodation, such as a B&B arranged by your council, youre living in a refuge for survivors of domestic abuse, youre living in sheltered or supported housing (such as a hostel) which provides you with care, support or supervision, your savings are over 16,000 - unless you get Guarantee Credit of Pension Credit, youre paying a mortgage on your own home - you may be able to get, you live with your partner and they are already claiming Housing Benefit, youre an asylum seeker or sponsored to be in the UK, youre subject to immigration control and your granted leave states that you cannot claim public funds, youve reached State Pension age but your live-in partner has not - unless you had an existing claim as a couple before 15 May 2019.