Hi Mildez

As BG said, the estimator takes into account all those things and lets you know what will give you a better financial outcome. BUT you can still opt to take the PPL. It is not means tested and if you qualify (I think you have to have worked 10 months of the previous 12?) then you can take it. Its just like evryone else has said, the ftb payments will be different depending on your circumstances.

HTH