Blind and Visually Impaired Community
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Mortgages (self.Blind)
submitted by [deleted]
[deleted]
AndAdapt 6 points 2y ago
Possible benefits she will receive are pip and esa. I think they changed esa a few years back, so if you are a couple she may not receive that. Not sure as not in receipt myself.
I am blind though and I teach sighted students at secondary level. So there are definitely opportunities out there for working when blind
I am blind though and I teach sighted students at secondary level. So there are definitely opportunities out there for working when blind
[deleted] [OP] 1 points 2y ago
[deleted]
vwlsmssng 2 points 2y ago
I know finding work when disabled can be a big challenge and intimidating but it is worth knowing about the following schemes:
https://www.gov.uk/access-to-work
This provides the necessary support in addition to reasonable adjustments to do the job and will pay for things like support workers, special equipment, and taxi fares if public transport is not practical.
https://www.gov.uk/government/collections/disability-confident-campaign
Disability Confident employers already know the ins and outs of employing disabled people, so having a blind person apply won't spook them
On https://findajob.dwp.gov.uk/search you can filter job adverts to show only those from disability confident employers.
https://www.gov.uk/access-to-work
This provides the necessary support in addition to reasonable adjustments to do the job and will pay for things like support workers, special equipment, and taxi fares if public transport is not practical.
https://www.gov.uk/government/collections/disability-confident-campaign
Disability Confident employers already know the ins and outs of employing disabled people, so having a blind person apply won't spook them
On https://findajob.dwp.gov.uk/search you can filter job adverts to show only those from disability confident employers.
smarthome_fan 1 points 2y ago
Being blind doesn't preclude having good mobility. Although skills vary widely in the community, there are services that can assist one in improving their mobility skills or working out accessible routes to work. And there's accessible transit, ride sharing or taxis in the mean time.
You're a teacher? I hope you aren’t teaching your students "blind people can't work" because it's both untrue and the last thing in the world I want society to hear. Workplace discrimination is real, mobility is more challenging, and finding a career is harder. Butblindness absolutely doesn't preclude these things.
If my partner said these things about me I'm afraid it would be time for a very serious relationship chat.
You're a teacher? I hope you aren’t teaching your students "blind people can't work" because it's both untrue and the last thing in the world I want society to hear. Workplace discrimination is real, mobility is more challenging, and finding a career is harder. Butblindness absolutely doesn't preclude these things.
If my partner said these things about me I'm afraid it would be time for a very serious relationship chat.
[deleted] [OP] 1 points 2y ago
[deleted]
smarthome_fan 1 points 2y ago
>I tell my girlfriend it's her mindset and not the disability
My apologies, I’m not sure how I could have picked this up from “she is legally blind, meaning that she cannot work.”
Nevertheless I don't mean to be discouraging, I know it's a valid question and I don't mean to be unhelpful.
My apologies, I’m not sure how I could have picked this up from “she is legally blind, meaning that she cannot work.”
Nevertheless I don't mean to be discouraging, I know it's a valid question and I don't mean to be unhelpful.
napoleon88 3 points 2y ago
I am UK-based, I also work full time and have my own mortgage. Being blind in and of itself does not preclude you working.
[deleted] [OP] 1 points 2y ago
[deleted]
napoleon88 1 points 2y ago
I am a lawyer
[deleted] [OP] 1 points 2y ago
[deleted]
napoleon88 2 points 2y ago
I would advise extreme caution. There isn't much money in that line of work at the best of times.
I am blind from birth, and my mobility is genuinely terrible. Having an office job is the way to go. It is stable, and Access to Work (a government scheme already mentioned) will help her with transport, even paying for taxis. Sorry but please take care: a lack of mobility skills shouldn't put someone off working at all, it just sounds like she isn't motivated and is using her VI as an excuse. Don't get taken for a ride here, man. Blind people (even ones with terrible mobility like me) are capable and can be a part of the workforce. If you're hearing otherwise, you're being deceived.
I am blind from birth, and my mobility is genuinely terrible. Having an office job is the way to go. It is stable, and Access to Work (a government scheme already mentioned) will help her with transport, even paying for taxis. Sorry but please take care: a lack of mobility skills shouldn't put someone off working at all, it just sounds like she isn't motivated and is using her VI as an excuse. Don't get taken for a ride here, man. Blind people (even ones with terrible mobility like me) are capable and can be a part of the workforce. If you're hearing otherwise, you're being deceived.
smarthome_fan 2 points 2y ago
>she is legally blind, meaning that she cannot work.
If you love and respect your girlfriend, stop thinking this. (This phrase alone would likely lead to a very serious discussion, and possibly a break, with my partner).
I am totally blind and I work, including navigating to and from the office independently. That's not to say opportunities for working come as easily, because unfortunately there is still discrimination in the workplace. So it's appropriate to say your girlfriend is struggling to find work, or isn't looking for work right now, or needs/wants to develop further skills before working, etc.. Saying she can't work because she is legally blind is very disrespectful.
If you love and respect your girlfriend, stop thinking this. (This phrase alone would likely lead to a very serious discussion, and possibly a break, with my partner).
I am totally blind and I work, including navigating to and from the office independently. That's not to say opportunities for working come as easily, because unfortunately there is still discrimination in the workplace. So it's appropriate to say your girlfriend is struggling to find work, or isn't looking for work right now, or needs/wants to develop further skills before working, etc.. Saying she can't work because she is legally blind is very disrespectful.
[deleted] [OP] 2 points 2y ago
[deleted]
vwlsmssng 2 points 2y ago
Try also r/DWPhelp and r/UKPersonalFinance
niamhweking 2 points 2y ago
In ireland here, so wouldnt know exact details but why would her benefits get slashed cos she has a mortgage? Obviously is she is receiving rent benefit or something like that she will loose that as she is not renting anymore. It might also depend on whether you want to apply as a couple or as a lone person on the mortgage. Ask a mortgage broker maybe if her benefits are counted as income for a mortgage application? Also I know you stated she's legally blind so she cant work, I am very aware it is harder for her to get a job but I hope neither of you feel she is incapable of work due to her VI. Has she contacted the RNIB for advice on her benefits? Citizens advice bureau are great for things like that too.
[deleted] [OP] 1 points 2y ago
[deleted]
retrolental_morose 8 points 2y ago
I'm in the UK, my wife and I bought our house together a few years ago. We are both blind.
The only benefits she might lose are those related to housing: housing benefit, etc.
Some mortgage providers will actually count her benefits as part of your income for mortgage purposes, so it's worth shopping around. if she's too embarrassed to discuss them with a life partner going into buying something as all-important as a house though that's not a good sign...
Happy to be messaged for more details, of course.
The only benefits she might lose are those related to housing: housing benefit, etc.
Some mortgage providers will actually count her benefits as part of your income for mortgage purposes, so it's worth shopping around. if she's too embarrassed to discuss them with a life partner going into buying something as all-important as a house though that's not a good sign...
Happy to be messaged for more details, of course.
[deleted] [OP] 1 points 2y ago
[deleted]
retrolental_morose 3 points 2y ago
excellent. Feel free to message if you'd like further info. I'm a teacher too, incidentally.
niamhweking 1 points 2y ago
I agree completely.
niamhweking 6 points 2y ago
While I get her embarrassment in some ways, if you are hoping to get a mortgage together, discussing finances is important and she may have to list them all out on the mortgage form anyway. At some point she has to make you aware of them. A quick look on the uk social welfare site should tell you both which are means tested and which are not. Things like her fuel allowance might be but her dole, disability payments probably are not means tested. On the work front I also know in ireland there are schemes which in theory encourage return to work, so you keep your unemployment benefits while getting voluntary placement in a company for maybe 9 months, to build up skills and experience for your CV. It's a great way to take a plunge without loosing financial support.
Also check out https://www.look-uk.org/mentoring/ not sure if your girlfriend is under 29 but LOOK I'm sure would be happy to help and even if she isn't they might point her in the right direction
Also check out https://www.look-uk.org/mentoring/ not sure if your girlfriend is under 29 but LOOK I'm sure would be happy to help and even if she isn't they might point her in the right direction
DrillInstructorJan 0 points 2y ago
All I can say is that we made sure we got a mortgage before I left my full time job, otherwise we'd have both been self employed and they wouldn't have liked that.
On the basis we could both prove some income there wasn't a problem. They did check if there were any insurance issues but they were much more interested in my partner having worked in a couple of risky places recently.
On the basis we could both prove some income there wasn't a problem. They did check if there were any insurance issues but they were much more interested in my partner having worked in a couple of risky places recently.
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