A government loan that helps pay the interest on your mortgage or home loan if you receive certain qualifying income-related benefits or Pension Credit.
Housing & Energy
Government loan covering interest on up to £200,000 of mortgage balance (variable SMI interest rate)
Department for Work and Pensions (DWP)
Tick off each condition below. You'll usually need to meet all of them to qualify.
Contact the office or helpline that handles your qualifying benefit (e.g., Jobcentre Plus or Pension Service).
Complete form MI12 with details of your mortgage provider and loan balance.
Payments are made directly to your mortgage lender each month. The loan plus interest is repaid when you sell or transfer your home.
Support for Mortgage Interest is a repayable loan, not a grant. Homeowners receiving SMI can also check local council tax reductions to lower monthly housing outgoings.
The main monthly payment for people of working age who are on a low income, out of work, or unable to work due to health conditions.
View guide Pensioners & Older AdultsA tax-free, means-tested benefit that tops up weekly income for state pension age residents and unlocks multiple extra cost-of-living perks.
View guide Housing & RentEmergency financial help from your local council if your current benefits do not cover your full rent.
View guide