Support for Mortgage Interest (SMI)

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Eligibility

To be eligible for a Support for Mortgage Interest (SMI) loan, you must have a mortgage or home improvement loan for the property you live in. You must also be getting one of the following qualifying benefits:

• Income Support
• income-based Jobseeker바카라 사이트檚 Allowance (JSA)
• income-related Employment and Support Allowance (ESA)
• Universal Credit
• Pension Credit

Contact the relevant office to claim SMI. There바카라 사이트檚 no credit check.

You can start getting the loan:

• from the date you start getting Pension Credit
• after you바카라 사이트檝e聽got Universal Credit聽for聽3 months聽in a row or you moved to Universal Credit within a month of another benefit ending and you바카라 사이트檝e spent 3 months in total getting these benefits

You can apply for SMI from the date you start getting your benefit.

If you stopped getting SMI because you stopped getting a qualifying benefit

You바카라 사이트檒l start getting SMI again straight away if:

• you stopped getting Universal Credit but you started getting it again within 6 months
• you stopped getting Pension Credit and you were moved to Universal Credit
• you stopped getting Income Support, income-based JSA or income-based ESA, and you applied for Universal Credit within a month

Otherwise, you바카라 사이트檒l have to wait the normal period before getting SMI again.

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