Search all content on GOV.UK

Support for Mortgage Interest (SMI) helps homeowners on certain benefits pay interest on loans or mortgages - what you'll get, eligibility and how to claim.

• Overview

  You may be able to get help towards interest payments on: the mortgage for…

• What you'll get

  You’ll get help paying the interest on your mortgage or loan. Support for…

• Eligibility

  To be eligible for a Support for Mortgage Interest (SMI) loan, you must…

• How to apply

  When you apply for a qualifying benefit, you’ll be asked extra questions…

• Repaying your loan

  You’ll need to repay your SMI loan as a lump sum with interest if you sell…

• If your benefits stop

  You can still get financial help with your housing costs if your Income…

• Updated: 7 June 2024

A guide to terms and conditions for students who started an Advanced Learner Loan course before 1 August 2021

• Updated: 4 December 2023

The Department for Education today (26 November 2025) confirmed annual updates to repayment thresholds for Plan 2 and Plan 3 Income Contingent Student Loans.

• Updated: 26 November 2025

Find out how interest is calculated and applied if you have a Plan 2 student loan, as well as previous interest rates.

• Updated: 16 September 2024

How to tax a beneficial loan arrangement for a director or employee.

• Updated: 30 December 2019

Student finance - student loans or student grants for tuition fees and living costs, extra help, student loan repayments.

Find out how interest is calculated and applied if you have a Postgraduate Loan from England or Wales, as well as previous interest rates.

• Updated: 1 September 2025

Tax and reporting rules for employers providing loans to employees

• Updated: 31 March 2021