Eligibility

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

You can start getting a loan:

  • from the date you start getting Pension Credit
  • after you’ve had 9 consecutive Universal Credit payments
  • after you’ve claimed any other qualifying benefit for 39 consecutive weeks

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.

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