Can you claim benefits if you own your own home?

If you or your partner own the home you live in and you're eligible for Universal Credit, you could get a Universal Credit payment. This includes if you live in a shared ownership property. You need to have been on benefits for 39 weeks without any breaks.

gov.uk - Housing costs and Universal Credit: Living in a property you own

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If you or your partner own the home you live in and you’re eligible for Universal Credit, you could get a Universal Credit payment. This includes if you live in a shared ownership property. You need to have been on benefits for 39 weeks without any breaks. You must also not be getting any of the following types of income:

any earnings from your job, if you’re employed or self-employed

a tax refund

Statutory Sick Pay

Statutory Maternity Pay

Statutory Paternity Pay

The payment could help pay the cost of buying your property as well as the costs of repairs and maintenance. If you own a leasehold property, it can also help you pay for service charges, including:

using shared facilities, such as rubbish collection or communal lifts

window cleaning of upper floors

repairs and maintenance

Living in a shared ownership property

You can get help paying the rent and mortgage interest on a shared ownership property. You get the payment and you have to pay it to your housing association and mortgage company. If it’s a leasehold property, you can also get help with some service charges.

Support for Mortgage Interest ( SMI )

You might also be able to get Support for Mortgage Interest ( SMI ) if you’ve been on benefits for 39 weeks without any breaks. You must also not be getting any of the following types of income:

any earnings from your job, if you’re employed or self-employed

a tax refund

Statutory Sick Pay

Statutory Maternity Pay

Statutory Paternity Pay

SMI is a loan that can help towards interest payments on:

your mortgage

loans you’ve taken out for certain repairs and improvements to your home

If you qualify for an SMI loan, you can get help paying the interest on up to £200,000 of your loan or mortgage. The amount you get is based on a set rate of interest on what’s left of your mortgage. It’s paid direct to your lender.

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Can Housing Benefit check my bank account?

The DWP and local authorities are entitled to make enquiries about a claimants income and savings if they are receiving means-tested benefits from the DWP or housing or council tax benefit from their local authority. Normally this would involve them asking you for evidence of income and savings.

benefitsandwork.co.uk - Housing benefit & Bank accounts - Benefits and Work Forum

Not sure if this helps but I was called in to the housing office after handing in my bank statement with my hb form few years ago and was asked what work I had done with E.R. Council as I had received 2 payments from them 1 month apart. I had to explain to them that I had not done any work but the first payment of £50 was for my daughters school clothing grant and the £100 the following month was for my other daughter and sons clothing grant as they were in 5th and 6th year and I have to wait until the schools go back before they pay out for them just in case they decide not to return at the last minute. They were a bit embassased and said thats fine sorry to call you in. ha ha. They should have checked with their own department first. So it could be something simple on the statement they just want clarified.