Hi, myself and my separated husband have been living in the same house for over a year since separation now. We have buyers for our house and my plan was to move myself and my daughter into rented accommodation. Although I don’t earn enough (as I work part time), I would have income from the house sale and would then apply for benefits. The letting process was going well until they required a guarantor who earns £43k. I have nobody who has that income in my life to even ask. The few friends I have, already have full homes. My family is over 200miles away. My daughter has no idea about it all.
I can only see my two options of stay in this awful house together forever or make myself and my daughter homeless to get support. I can’t do either of them and I don’t know what to do.
As you will presumably have a lump of equity (that will restrict your ability to claim benefits if between 6-14k the amount you receive will be reduced if above you will receive nothing) you need to perhaps consider:
could you mortgage somewhere even if small?
is remaining local feasible?
could you increase your hours that you’re working and income level to show you’re more secure?
offer a larger deposit that would say guarantee the rent for an additional three months or six months?