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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…

• Updated: 29 March 2022

Details of the rules for lenders offering the Help to Buy: mortgage guarantee scheme.

• Updated: 17 November 2017

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

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.

• Updated: 29 March 2022

The government commits to a new, permanent, comprehensive mortgage guarantee scheme to increase homeownership.

• Updated: 13 February 2025

• Updated: 3 July 2017

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

• Updated: 6 May 2025