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When everyone has a home

Housing advice for Northern Ireland

Deductions from your Universal Credit housing costs

CORONAVIRUS UPDATE

An amount will be taken away from your UC housing costs payment if there are other non-dependent adults living in your home who should be contributing to the household’s costs. This money is only taken away from housing costs paid to help with rent. It won't be deducted from any housing costs paid to your mortgage or secured loan lender. 

Who counts as a non-dependant?

A non-dependant will include any adult over the age of 21 living in your home, aside from your partner. But, a deduction won’t be made for any non-dependant who is

  • under 21
  • responsible for a child under the age of 5
  • in receipt of state pension credit
  • receiving DLA care component at the middle or higher rate
  • receiving Attendance Allowance
  • receiving the daily living component of PIP
  • receiving Carer’s Allowance
  • a prisoner.

How much is deducted?

£72.16 will be deducted from your housing costs element every month for each non-dependant in your household.

Are there any exceptions?

Deductions won’t be made from your housing costs element if you, or your partner, is

  • registered blind
  • receiving DLA care component at the middle or higher rate
  • receiving Attendance Allowance
  • receiving the daily living component of PIP

What other deductions can be taken from my housing costs payment?

Money can also be taken from your housing costs payment if you rent your home from the Housing Executive or a housing association and you have more bedrooms than the government believes you need. This is known as the "bedroom tax". If your housing costs money is reduced because of the bedroom tax, you should get extra money to make up the difference. 

Other deductions from UC

The amount of Universal Credit you receive can also be reduced in other circumstances, including if you

  • are paying back an advance
  • have been sanctioned for not sticking to your claimant commitment
  • are subject to a penalty for making a fraudulent benefit claim
  • owe money to certain creditors (such as your landlord, Land & Property Services or your utility companies)
  • have a child maintenance arrangement in place
  • are repaying benefits which you were previously overpaid.

If you are struggling to cope because your UC is being reduced due to debts or sanctions, get advice immediately.