Housing benefit for single person under 35 years in UK

In the United Kingdom, there are certain housing benefit rules that are applicable to people who are single and under 35 years of age. This article will give a brief overview of these rules and explain how you can take advantage of them.


Before you apply for housing benefit, it is advisable to use a benefits calculator to confirm if you are eligible. There are instances when you might be required to claim Universal Credit. For you to qualify for housing benefit, these are the requirements:

  • Your savings are below £16,000
  • You pay rent
  • You are claiming benefits or have a low income

You are eligible to apply for the program, no matter if employed or unemployed. However, if you are living with a partner, only one person will get a housing benefit. If you qualify, you will be in a position to get a benefit for a single room in shared accommodation or a bed-sitter accommodation, if you are a lone.

Who is not eligible for a housing benefit?

  • You have saving of more than £16,000
  • You are sponsored to be in UK or an asylum seeker
  • You are a full-time student
  • You live in a relative’s home
  • You are living in the country as an European Economic Area jobseeker
  • You are under immigration control

The Shared accommodation rate

This refers to the rent level that is allowed for an individual who can afford one bedroom and shares a living room, kitchen and bathroom within the conditions of the tenancy agreement. In such a case, you can get housing benefit at the rate of a single shared room. This means that you may not get enough money to pay the house rent.

What happens to those who are under 35 and are renting privately?

In a situation where you have rented self-contained house, you are eligible for the local housing allowance rate for a one-bedroom house on the condition that:

  • You haven’t been paid housing benefit in the previous year
  • You were able to cater for your rent when you moved in.

In such a scenario, housing benefit will cover your house rent for the first 13 weeks. After the 13 weeks, you can only get the rate of shared accommodation.


Full-time students are no eligible to claim housing benefit although there are a few exceptions. Part-time students who rent privately are allowed to claim housing benefit. Those who live in university owned housing are allowed to claim housing benefit if they fall into specific categories.

Additional Factors that are taken into account when determining housing benefits

After the Housing Executive decides on the rent level that will be used for the calculation of the benefit size, they must conduct a means test and consider all non-dependant deductions.

Means Test

The Executive will evaluate your weekly income to determine whether it is higher than what the government recommends. If so, you must use some of the money to pay your rent and contribute towards rates and charges.

Non Dependant Deductions

If you have a roommate, the Housing Executive may reduce the housing benefit that will be awarded to you.

How to Find Down Payment Assistance For Nurses

How does it feel when you’ve spotted the perfect home and you are sure that covering the monthly mortgage and bills won’t be a problem? It feels great, right? Unfortunately, the problem comes when the lender requests a down payment. In most cases, nurses are not in a position to pay the down payment as requested. Could this mean you are not lucky?

Not quite. Today, there are more than 2000 down payment programs that will come to your rescue as long as you meet eligibility requirements. These requirements have to do with credit, occupation and income. It is unfortunate that many people are not aware of down payment assistance programs or assume that they can’t qualify.

How can you find a down payment program?

If you conduct a good online research, you’ll find a couple of down payment resources that have a calculator to show you if you are eligible and what you need to do to be eligible. You can find a variety of listing services that have an icon on the various properties that qualify for down payment assistance programs.

Nurses are advised to consult their lender or real estate agent for programs available in their counties since they change from time to time.

Types of Home down payment programs

Down payment programs

These types of programs are mostly about soft mortgages or grants. You can get benefits such as forgivable loans, deferred payments and 0% interest rates. With such a program you can get assistance in the form of tens of thousands of dollars to use for down payment, principal reductions, closing costs and the like.

When buying a property in certain areas that are designated by housing finance agencies, you will enjoy the benefit of higher assistance amounts and more lenient income requirements.

Affordable First Mortgages

Some of the housing finance agencies that are at state level provide first mortgages that accompany down payment assistance programs. The good thing about these mortgages is that they offer an affordable interest rate and a reduced closing fee.

Who offers down payment assistance programs?

  • Housing authorities
  • Employers
  • Cities and counties
  • State Housing Finance Agencies

A high percentage of first-time home buyers encounter difficulties with the purchase due to down payments. Fortunately, there are thousands of homebuyer programs that are available to offer assistance to nurses and other civil workers. Just ensure that you meet the eligibility requirements and you’ll be good to go.

Pros and Cons of Buying a Studio Apartment

is studio apartment a good investment
You are ready to buy a property and you consider a studio apartment. Will it be a good place to live? Does it have good rental income potential? Will it be suitable for you in the long term? Get the answers to these and other important questions from the list of pros and cons of studio apartments.

Before we move on to the good and not so good sides of owning a studio, it’s worth defining this type of property. This is an apartment consisting of a single living space, meaning you will have no walls between the kitchen, living room and bedroom. The bathroom is separate, of course, and has a door, which usually can be locked too. Let’s get down to the evaluation of this type of property now.

The Good

It’s cheap to buy – This is the least expensive type of property to purchase, all other things being equal. If you have little money now, a studio apartment could be the only choice for you. Since property prices are historically on the rise, despite cyclical drops, you can expect to be on the winning side moneywise.

It’s super affordable to live in – When you have a smaller living space, the bills for heating and cooling are lower. You will not have to spend a lot of money on furniture either

Easy maintenance – It’s much easier and quicker to clean a single living space compared to a place where there’s at least one bedroom. You’ll have more free time to enjoy the comfort of your home and the fun activities in and outside of it. Since you’ll live in an apartment building, you won’t have to worry about things like mowing the lawn or washing the driveway.

Great rental potential – If you decide to rent out your studio apartment, you can expect a high demand, especially if you live in a college town. A lot of people want to rent this type of property because it cheaper and this helps to push the rental rates up in reality.

The Not So Good

Not much privacy – If you live alone, this shouldn’t be a huge problem. However, if you are sharing the studio with your partner, it can easily get a bit claustrophobic. The situation could be even trickier in case you have a roommate.

Limited room for living and for storage – While you don’t need much living space if you send your days mostly outside, you have to think about where you will put your stuff. Most studio apartments have limited storage space and you have to come up with ingenious tricks to get a little bit more. If you have a lot of possessions, this is a major factor to take into account when deciding on whether to go for this type of property.

A studio apartment could make a wonderful home, especially for a single person, and could also be a lucrative property investment. When it comes to living in such a place, you have to weigh the pros and cons from your own perspective.