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

If you get Universal Credit, you can apply by:

• Leaving a message in your Universal Credit journal or
• Contacting the Universal Credit helpline

If you get Pension Credit, you can apply by contacting the Pension Service:

• Pension Service (England, Scotland, Wales)
  • Telephone: 0800 731 0469
  • Relay UK: 18001 then 0800 731 0469
  • Video Relay Service: British Sign Language (BSL)
  • Welsh Language: 0800 731 0453

The helpline is open Monday to Friday, 8am to 6pm.

• Northern Ireland Pension Centre (Northern Ireland)
  • Telephone: 0800 587 0892
  • Textphone: 0808 100 2198
  • Video Relay Service: Irish Sign Language (ISL) or British Sign Language (BSL)
  • Email: pensionservice@dfcni.gov.uk

The helpline is open Monday to Friday, 8am to 4pm.

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. Visit the Unbiased website for more information, and 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.

Reporting a change of circumstances

You must report changes in your circumstances which might affect your entitlement to the loan. For more information, visit our section on Reporting a change of circumstances.