Are you getting certain income-related benefits and struggling to keep up with the interest on your mortgage? Then you might be able apply for Support for Mortgage Interest (SMI).
SMI can pay the interest (but not the capital repayments) on mortgages up to £200,000.
You can also use SMI to pay for essential repairs or maintenance to your home, or adapt it to cope with disability needs.
SMI is a loan. You’ll have to repay it either when you sell your house, or voluntarily when you’re able to (for example, when you return to work).
Payments are made directly to your lender 39 weeks after you first apply for this benefit, so claim as soon as you can. This is unless you’re getting Pension Credit, in which case you can get help immediately.
If you’re on income-based Jobseeker’s Allowance, you can only get SMI for up to two years.