3. Eligibility

To qualify for Support for Mortgage Interest (SMI) you must be out of work or of pension age. You also usually need to be claiming one of the following:

You might still be able to get SMI if you apply for one of the qualifying benefits but can’t get it because your income is too high. You’ll then be treated as getting the benefit you applied for.

Contact the relevant office to check if you’re eligible for SMI.

What type of SMI you can get

Whether you can get SMI paid as a benefit or as a loan depends on when you get, or are treated as getting, your qualifying benefit.

If you get Pension Credit

Your SMI will be paid as a benefit if you get Pension Credit before 6 April 2018.

It will be paid as a loan if you get Pension Credit on or after 6 April 2018.

If you get another qualifying benefit

Your SMI will be paid as a benefit if you get another qualifying benefit before 7 July 2017. You must have been getting the benefit for 39 consecutive weeks.

It will be paid as a loan if you get the qualifying benefit on or after 7 July 2017.