Can I use child maintenance for a mortgage?

Yes, many lenders accept child maintenance as assessable income. It typically needs to be documented through a court order or CMS arrangement, with evidence of consistent payments.

What deposit do I need as a single parent?

As little as 5% with standard mortgages, or even less with shared ownership. Family gifted deposits and government schemes can help.

Can I get a mortgage on benefits?

Some lenders accept certain benefits as income, including child benefit, working tax credits, and disability benefits. The key is matching you with the right lender.

Is shared ownership good for single parents?

Often yes — it reduces both the deposit needed and the monthly costs, making homeownership more accessible on a single income.

Single Parent Mortgages

Being a single parent doesn't prevent you from getting a mortgage. We find lenders who assess your full income picture, including benefits and maintenance.

Mortgages for Single Parents

Getting a mortgage as a single parent is absolutely achievable. Many lenders will consider child maintenance, child benefit, tax credits, and working tax credits alongside your employment income. The key is finding lenders who assess your full income picture rather than just your salary. We compare 90+ lenders to maximise your borrowing potential.

Lenders who accept child maintenance as income
Benefits income (child benefit, tax credits) considered
Government schemes for single parents explored
Shared ownership and Help to Buy options available
100% fee-free advice tailored to your situation

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Income Assessment for Single Parents

Many lenders will consider child maintenance payments as income, provided they're documented through a court order or CMS (Child Maintenance Service) arrangement. Child benefit and Universal Credit can also be included by some lenders. We identify which lenders offer the most favourable income assessment for your circumstances.

Government Support Schemes

Single parents may be eligible for shared ownership (part-buy, part-rent), First Homes discount, and other government-backed schemes that make homeownership more accessible. These schemes can significantly reduce the deposit and income requirements.

Deposit Options

Saving a deposit on a single income can be challenging, but options exist. Family gifted deposits are accepted by most lenders. Some 95% mortgage products require just 5% deposit. Shared ownership requires as little as 5% of the share you're buying, not the full property value.

Childcare Costs and Affordability

Lenders factor in childcare costs when assessing affordability. If you receive help with childcare costs (e.g. tax-free childcare, Universal Credit childcare element), ensure the lender accounts for both the cost and the support. We'll present your finances in the most favourable light.