We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
StepChange Debt Charity logo

Government help with mortgage payments. What can they do?

If you’re struggling with your mortgage payments the Government will help you meet your mortgage payments if you’re on a low income.

Support for Mortgage Interest (SMI) payments

SMI can help with the cost of mortgage payments. To be eligible for SMI you need to be receiving one of the following benefits:

  • Income support
  • Income-based Jobseekers allowance
  • Income-related Employment and Support Allowance
  • Pension credit

SMI is normally paid directly to your mortgage lender. The payments will start 13 weeks after you've claimed the benefit. This means if you don’t have enough money to pay the first 13 weeks, you’ll build up mortgage arrears which will need to be repaid later.

If you're claiming Pension Credit the SMI payments will start straight away

SMI will only pay the interest on your mortgage, not the capital. Ask your mortgage lender to change your mortgage to interest-only for the period you’re on SMI.

You can find out more on how the SMI scheme works from Gov.uk.

Free help and advice

To find out if you could qualify for this scheme and for help with applying, please call our Helpline (free from all landlines and mobiles). One of our expert advisors will be able to give you specialist advice and answer any questions you may have.