Support for Mortgage Interest (SMI)
SMI is a loan to help with mortgage interest payments if you're a homeowner on certain benefits. The loan is repaid when you sell or transfer your home.
Eligibility Criteria
You may be eligible for Support for Mortgage Interest (SMI) if:
- You own your home or are a shared owner
- You're getting certain qualifying benefits
- You've been getting qualifying benefits for 39 weeks (9 weeks if you're terminally ill)
Quick Info
Housing Benefits
Key Facts About Support for Mortgage Interest (SMI)
- Rates shown are for the 2025/26 tax year (April 2025 onwards)
- Eligibility may depend on your income, savings, and circumstances
- Payment frequency varies - check GOV.UK for details
Tips for Claiming
- 1.Gather all required documents before starting your application (ID, proof of address, bank details)
- 2.Keep copies of everything you submit and note down reference numbers
- 3.Claim as early as possible - most benefits cannot be backdated
- 4.If you're refused, you have the right to request a Mandatory Reconsideration and then appeal
More About Support for Mortgage Interest (SMI)
Support for Mortgage Interest (SMI) is a UK government benefit designed to provide financial support for housing benefits. SMI is a loan to help with mortgage interest payments if you're a homeowner on certain benefits. The loan is repaid when you sell or transfer your home.
Who administers Support for Mortgage Interest (SMI)?
Support for Mortgage Interest (SMI) is administered by the Department for Work and Pensions (DWP). You can apply through GOV.UK or contact the relevant helpline for assistance.
Can I claim Support for Mortgage Interest (SMI) alongside other benefits?
Whether you can claim Support for Mortgage Interest (SMI) alongside other benefits depends on your circumstances. Some benefits cannot be claimed together, while others are specifically designed to be claimed alongside your main benefit. Check GOV.UK or speak to a benefits adviser for guidance specific to your situation.
Use our salary calculator to understand your overall income, including how benefits might supplement your earnings from employment.
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