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

Support for Mortgage Interest Loan is help towards paying the interest payments on your mortgage or other loans for home purchase, repairs and home improvements. This help is in the form of a loan.

How do I claim Support for Mortgage Interest Loan?

When you claim Income Support, income-based Jobseeker's Allowance (JSA), income-related Employment and Support Allowance (ESA), 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 or treated as if this is the case. (If you were getting the Support for Mortgage Interest (SMI) benefit before 6 April 2018, the DWP should have notified you already that these payments would 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 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.

However, it is important to come to some arrangement to pay your future mortgage or secured loan payments. If you do not do this, payments to your mortgage will stop and you may begin to run up arrears  This could mean that your mortgage lender could eventually take court action to evict you from your home.

If you require help and support on this you will need to speak to an independent financial adviser. Use the Unbiased website to find an independent financial adviser. You will usually need to pay a fee for this advice. Make sure you know in advance how much the fee will be and that you can afford it.

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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