Have read some of the information on line about this - does anyone have any further experience/knowlege of this. I know its means tested. I am on low income around 10500 per year and get tax credits of 5000 per year. I am seperated have a child age 10 and get maintance from husband. I am 47 years old

Family home will need to be sold - i read that this scheme might assist people on low income who have had a change in circumstances which might mean that they are not able to buy another property.

I realise this is a means tested scheme - i could meet the 80% by using the funds i get from the sale of the family home and the use of savings and a small mortgage.

I have sent of for a application - but just wondered if anyone out their had any further knowledge or experience of this scheme.

One question i could not find - was what would happen if you died - sounds grim i know but - i have a dependant child. If in years to come would the property be able to be xferred onto her or would it have to be sold to pay back the 20%

Thanks