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As you probably know already, you’re eligible for child tax credits if you’re responsible for children either aged 16 or under, or aged 20 and under in eligible education or training. 


You may be wondering, though, if when you apply for a mortgage, whether there are lenders that will take your child tax credits into account.  


The good news is that there are lenders that consider child tax credits, child benefit and working tax credits when looking at your affordability for a mortgage. 

However, this is entirely dependent on how many children you have and their age. Some lenders will also limit the amount of benefit income that they will consider, with some looking at up to around 60%. 


Please be sure to keep any letters that you receive from the tax office regarding your benefits, so the lender can use them to assess your income.  


It’s important to remember that every case is different, and each lender will look at each one individually, so speaking to a broker who has access to a wide panel of lenders will give you the greatest chance of being approved. 


For advice on getting a mortgage with child tax credits, speak to one of our expert advisers who will be able to help you with the next steps.