Essma Marjam, 34, is given almost £7,000 a month in housing benefits to pay the rent on the five-bedroom villa just yards from Sir Paul McCartney's house and Lord's cricket ground.
She also receives an estimated £15,000 a year in other payouts, such as child benefit, to help look after her children, aged from five months to 14.
The four-storey house in Maida Vale has five bedrooms, two bathrooms, a double living room, large fitted kitchen-diner with French doors on to the landscaped garden and a state-of-the art buzzer entry system.
Astonishingly, it is understood Miss Marjam found the house on the internet through a private letting agency, rather than waiting for Westminster council to give her a vacant property on their books.
She then applied to the council for the £1,600-a-week benefit - the maximum amount the council allows.
Miss Marjam said: 'I moved here at the beginning of the month as I'm entitled to a five-bedroom house.
'I was in a three-bedroom council house but I needed a bigger place once my new baby came along. So the council agreed to pay the £1,600 a week to a private landlord as they didn't have any houses big enough.
'I'm separated from my husband. He's a solicitor in Derby, but I don't know if he's working at the moment. He doesn't pay anything towards the kids. Things are quite difficult between us.
'The house is lovely and very big, but I don't have enough furniture to fill it.'
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