Childcare advice
I took time of to spend with my little boy who is nearly 19 months old but were looking to buy a house and we cannot do that with my partners salary alone,
So I have a couple of questions?
1- my partners salary alone is £60k with up to £30k commission which is never guaranteed last year he only got 1 bonus, but if he did get his £90k then whatever my income is and it went over the 100k threshold would we have to pay any back ?
2-do I get him into a nursery then start work and then I would qualify for the free hours?
I’m a first time mum and this is all so confusing 🫤
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I'm not sure how long you have to be working for to qualify! Maybe double check online it should say. And do u mean pay back the child benefit or the free hours? You don't qualify for the free hours over 100k. But get 15 when they turn 3 regardless. You have to re confirm I think every quarter to say nothings changed salary wise. Xx
The 100k applies per person not as a couple, so as long as you or your partner aren’t earning 100k individually then you’ll be ok.
It is £100k per individual (you and hubby separately), not total household income, so as long as neither of you earn £100k gross individually then you would be entitled to 15hrs + another 15hrs (30 total).
£100k threshold is for individuals, not household income.
So if his bonus is below £40k, and you are earning up to £99k, then your child qualifies for free childcare.
Yes, he will qualify for free hours, only once you start working.
Thank you all so much, so so helpful and definitely put mind at ease xx
Just to say that if your partner sees that he is going to earn over £100K due to the bonus he can transfer anything over the threshold to a private pension and he will be fine. You can look more into it.
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