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Help with mortgages

Government help with mortgage payments or loans is provided as a loan. To be eligible for a Support for Mortgage Interest (SMI) loan, you usually need to be getting one of the following qualifying benefits:

  • Income Support
  • income-based Jobseeker’s Allowance (JSA)
  • income-related Employment and Support Allowance (ESA)
  • Universal Credit
  • Pension Credit

You will need to provide evidence of your mortgage or loan. This could be:

  • a mortgage agreement
  • a current mortgage statement
  • a loan agreement, or
  • bank statements showing the payment of the mortgage or loans

The Department for Work and Pensions will check your evidence before paying Universal Credit housing costs. Any delays in providing this evidence may mean delays in your Universal Credit housing costs being paid.

Also see