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Support for Mortgage Interest Loan - How do I claim Support for Mortgage Interest Loan?

Find out more about the Support for Mortgage Interest Loan.

How do I claim Support for Mortgage Interest Loan?

When you claim Income Support, Income-based Jobseeker's Allowance, Income-related Employment and Support Allowance , Guarantee Pension Credit, or Universal Credit you would have told the Department for Work and Pensions (DWP) that you are an owner-occupier with a mortgage. (If you were getting the Support for Mortgage Interest (SMI) benefit before 6 April, the DWP should have notified you already that these payments will stop).

The DWP will send you a letter and an information booklet explaining how the Support for Mortgage Interest Loan will work.

You will then receive a phone call from a company called Serco, who work on behalf of the DWP, where you will receive further information such as the terms and conditions of the loan.

If you are a member of a couple, both you and any partner living with you, must receive the phone call in order to be offered the loan.  This is so that both of you understand the terms of the loan.  You can arrange the call at a time that is convenient to you, and you can have someone present with you during the call, such as a friend, relative or carer.

If you want to accept the Support for Mortgage Interest Loan, you can do so during the phone call or by contacting the DWP afterwards.  Papers will be sent to you and your partner (if you have one) to sign and return.  If you sign and send it back the DWP they will write back to you to confirm that they have received your signed agreement.

You will also get a letter confirming when your Support for Mortgage Interest Loans will start.  Your Support for Mortgage Interest Loan payments will normally go straight to your mortgage lender.


I don't want the loan, what do I do?

You don't have to accept the loan if you don't want to.

Change of circumstances

You must report changes in your circumstances which might affect your entitlement to the loan.

 

Updated: April 2018

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