Income, Treatment - Other Income
| Basic Income/Contract Type | Acceptable Income Y/N | Amount to be Keyed | Amount used for Affordability |
|---|---|---|---|
| Attendance Allowance | Y | 100% | 60% |
| Additional Duty Hours (ADH)* See note | Y | 100% | 60% where non-guaranteed 100% where guaranteed* |
| Adoption Allowance | Y | 100% | 60% |
| Adult Disability Payment (ADP) Scotland only |
Y | 100% | 60% |
| Bursary | Y | 100% | 60% |
| Carers Allowance | Y | 100% | 60% |
| Constant Attendance Allowance | Y | 100% | 60% |
| Child Benefit (0% if individual client earns more than £50,000) | Y | 100% | 60% |
| Scottish Child Payment (SCP) Scotland only |
Y | 100% | 60% |
| Child Disability Payment (CDP) Scotland only |
Y | 100% | 60% |
| Child Tax Credit | Y | 100% | 60% |
| Disability living Allowance | Y | 100% | 60% |
| Employment & Support Allowance | Y | 100% | 60% |
| Flexible Benefit | Y | 100% | 100% |
| Flight Pay/Allowance* See note | Y | 100% | 60% where non-guaranteed 100% where guaranteed* |
| Foster Care Allowance (We will only use the amount used for tax purposes as income, therefore if the customer does not pay tax this income cannot be used.) | Y | 100% | 60% |
| Guardian Allowance | Y | 100% | 60% |
| Industrial Injuries Disablement Benefit | Y | 100% | 60% |
| Maintenance (as other income) | Y | 100% | 60% |
| Mortgage Subsidy | Y | 100% | 60% |
| Nursing Bank* See note | Y | 100% | 60% where non-guaranteed 100% where guaranteed* |
| Other (Includes Seasonal and Piecework) | N | 0% | 0% |
| Personal Independence Payment | Y | 100% | 60% |
| Pension - Credit | Y | 100% | 100% |
| Pension - Private where the customer has less than 10 years until retirement (including company/occupation - Drawdown Pensions not Acceptable) | Y | 100% | 100% |
| Pension – Private where the customer has more than 10 years until retirement |
Y | £1 | 0% |
| Pension - State | Y | 100% | 100% |
| Pension - War Disablement | Y | 100% | 100% |
| Pension - War Widower | Y | 100% | 100% |
| Savings/Investments/Trust Income | N | 0% | 0% |
| Shift Allowance* See Note | Y | 100% | 60% where non-guaranteed 100% where guaranteed* |
| Stipend | Y | 100% | 60% |
| Widowed Parent Allowance (including Widow's Pension) | Y | 100% | 60% |
| Working Tax Credits | Y | 100% | 100% |
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*Please note: For additional duty hours, flight allowance, nursing bank or shift allowance we will average the last 3 months payslips (last 6 where paid fortnightly or last 12 where paid weekly). Provided that each payment is within 10% of the average we will allow 100% of the income, otherwise we will allow 60%. Example - Month 1 £95, Month 2 £100, Month 3 £105. Total income £300, average £100pm. As each payment is between £90 (10% below average) and £110 (10% above average) we can treat as guaranteed. If one of the payments was below £90 or above £110 we would treat as non guaranteed even if the total income across the 3 months was the same.
Affordability must also include future changes to income. Please refer to Future Changes , for more information. |
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