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
A mortgage may be available to a single parent, subject to affordability and lender criteria. Many lenders will consider child maintenance, child benefit, tax credits, and working tax credits alongside employment income. We compare options across our panel to find lenders whose assessment may suit your circumstances.
- Lenders who accept child maintenance as income
- Benefits income (child benefit, tax credits) considered
- Government schemes for single parents explored
- Shared Ownership and First Homes options available
- free initial advice tailored to your situation
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Tell us about the property
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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.
Single Parent Mortgages — FAQs
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Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.
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