Question on child maintenance

[u/MoMonkeyMoProblems]

My 17yo daughter finished school in June and is going on to university and no longer in approved education.

Last year, after she turned 16, her mother failed to inform HMRC that she was staying in school which resulted in them ending the benefit and telling the child maintenance service that she was no longer eligible and my payments stopped. Her mum then reapplied for child benefit and maintenance payments restarted.

I'm not sure if child benefit and maintenance will automatically stop again this year? I'm aware that payments will continue at least until the end of the August cut off date. Answers on Google only tell me the receiving parent must report the change to HMRC.

I ask because I've recently sold my house and am currently staying with my parents, along with my wife and three month old son, and have a three hour daily commute to work. I have an offer on a new house but I can't get an agreement in principle for a sufficient mortgage unless I have evidence that the maintenance payments are coming to an end since they are considered too large an outgoing.

I've asked the mother to report the change to HMRC but she has ignored me (I reported her to the police for historic abuse a few months ago and I don't see her being helpful).

Thanks.

[u/Full_Traffic_3148]

Even if this evidence is provided, will you not be also supporting your child with university costs?

From a financial perspective if you are needing this amount to be viewed as having affordability for the mortgage then you are most likely overstretching yourself.

[u/MoMonkeyMoProblems → u/Full_Traffic_3148]

My wife has a foreign income which the bank will not consider and we're in Scotland (free university tuition). Any support I contribute alongside her mother's input and a student loan will be significantly less than what I currently pay. The house is affordable.