Eligibility

To be eligible for a Support for Mortgage Interest (SMI) loan, you usually need to be getting one of the following qualifying benefits:

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

You can start getting the loan:

  • from the date you start getting Pension Credit
  • after you’ve claimed Income Support, income-based JSA or income-based ESA for 39 weeks in a row
  • after you’ve received Universal Credit for 9 months in a row, as long as you’re not getting certain income

If you receive Universal Credit

You cannot get SMI if you get any of the following income:

To start getting SMI (or get it again if your SMI stopped), you’ll need to stop getting this income and then get Universal Credit for 9 months in a row.

If your income is too high to get a qualifying benefit

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

You will not be treated as getting Universal Credit if you cannot get it because your income is too high.