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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…

You can no longer apply for the Help to Build Equity Loan. Find out what happens after you’ve applied and how to make a complaint.

• If you applied for a Help to Build: Equity Loan

  You can no longer apply for a Help to Build: Equity Loan for properties in…

• Make a complaint

  You can make a complaint by post or email. Help to Build Customer…

Mortgage Interest Run On is extra money you can get towards housing costs for 4 weeks if your benefits are stopping - eligibility, what you'll get, how to claim

• Overview

  Mortgage Interest Run On is extra money you can get towards your housing…

• What you'll get

  If you’re eligible and were getting Support for Mortgage Interest before…

• Eligibility

  You can claim Mortgage Interest Run On if you’ve stopped getting…

• How to claim

  You do not need to apply - you should get Mortgage Interest Run On…

The Mortgage Rescue Scheme has closed. Find out what other support you can get.

Get a postgraduate doctoral loan to help fund a full-time or part-time master's degree: find out if you're eligible and how much you can get.

How to repay your Help to Buy: Equity Loan, either in full or in part, when you remortgage your home.

• Updated: 23 November 2023

You can no longer apply for a Help to Buy: Equity Loan - find out about interest rates and how to manage your Help to Buy: Equity Loan.

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

The mortgage affordability calculator is a simple tool that lets customers estimate how much they can afford to borrow to buy a home.

• Updated: 16 December 2025

Apply for a refugee integration loan if you're over 18 and you're either a refugee, you've been given humanitarian protection or you're the dependant of a refugee or someone who's been given humanitarian protection - what you'll get, how you're...