Increasing your income

Income-based Jobseeker's Allowance

Income-based Jobseeker's Allowance is for people working less than 16 hours a week who are looking for work. You may also be able to get help towards your mortgage. There may be a time limit of 104 weeks on the help with your mortgage.

Income Support

If you have no income, or a very low income, you may be able to claim Income Support.  This benefit can be claimed by people who are not looking for work (for example, because they are caring for someone). You may also be able to get help towards your mortgage.

Income-related Employment and Support Allowance

Extra advice:

Support for Mortgage Interest

If you claim Income Support, Pension Credit, income-related Employment and Support Allowance or income-based Jobseeker's Allowance, the DWP will normally pay at least some of the interest on the mortgage if you took the mortgage out to buy your home. This is called Support for Mortgage Interest. The rules about how much help you can get are complicated. Different rules apply depending on when you took out your mortgage and when you made your claim for benefit. If you are not sure about whether you are eligible, contact us for advice.

Income-related Employment and Support Allowance has replaced Incapacity Benefit and Income Support for people who may be unable to work due to illness or disability. You may also be able to get help towards your mortgage.

Pension Credit

You can claim Pension Credit once you have reached the qualifying age. The amount you are entitled to depends on your income. There is an extra payment called Savings Credit if you or your partner are 65 or over. This rewards you for having modest savings. The amount you get will depend on how much money you have saved. You may also be able to get help towards your mortgage.

The Savings Credit part of Pension Credit will end for people who reach State Pension age on or after 6 April 2016.  Some protection will be given to couples who were already getting Savings Credit on 6 April 2016.