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If you’re on certain benefits such as Income Support, income-based Jobseeker’s Allowance, or income-related Employment and Support Allowance and are struggling to pay your mortgage, you may be able to get help towards mortgage interest payments called Support for Mortgage Interest (SMI).

If you qualify, you can get help towards interest payments on a mortgage of up to £200,000 following a 13-week waiting period after you’ve claimed your benefit. If you are on Pension Credit you may be able to get help immediately, but only for a mortgage up to £100,000.
From 1 April 2016, the waiting period will extend to 39 weeks before SMI is paid. It’s normally paid direct to your lender.

The money is only to cover interest and Support for Mortgage Interest is calculated using a standard interest rate. There is no help available for capital payments.


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