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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.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2018