Jump to content

Pension Credit and rental income

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2668 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

I have a property with no equity in it after repaying mortage and other loans. I have been trying to sell this for some time and in order to pay the mortgage to avoid repossession I rented it out until it sold, , although the rental does not actually cover the mortgage payment - so there is no real income from rental.

I have no other income/savings and have been staying in another property owned by my late wife (again no equity in it).

As I AM trying to sell my property and get no disposable income from it, does this affect my entitlement to Guaranteed Pension Credit?

Link to post
Share on other sites
  • 2 weeks later...

I have been getting Guaranteed Pension Credit since September 2007. I moved from my (then) property in January 2009. It was only during recent conversations with The Pension Service (following advising them of my wife's death) that they advised me that I should have been claiming Council Tax Benefit.

However upon phoning the local authority I was told they could only backdate for 3 or 6 months from the application date. I cannot see anywhere where this time limit is defined and neither can they. After struggling to pay the Council tax, if I didn't know I could claim this benefit it why should I be disqualified from reclaiming it now?

Any help appreciated.

Link to post
Share on other sites

The law does not allow for backdating of council tax benefit for a period longer than 3 months for a person of pension age. For people of working age, the maximum period for backdating is 6 months.


It's defined in legislation by the Council Tax Benefit (state pension credit) Regulations 2006, as amended by the Housing Benefit and Council Tax Benefit (Amendment) (No. 2) Regulations 2008.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.



Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)





Link to post
Share on other sites
  • 2 years later...

Am I correct in believing that we should be entitled to mortgage interest assistance?

I was in receipt of Guaranteed Pension Credit as I was under 65. My wife was over 65 and so not entitled to claim. Less that 16k savings etc etc.

However, the house we live in was in the name of my wife only, even though ALL mortgage payments have been made by me out of my own account.


Am I entitled to claim this assistance?

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...