We use some essential cookies to make this website work.
We’d like to set additional cookies to understand how you use GOV.UK, remember your settings and improve government services.
We also use cookies set by other sites to help us deliver content from their services.
You have accepted additional cookies. You can change your cookie settings at any time.
You have rejected additional cookies. You can change your cookie settings at any time.
Departments, agencies and public bodies
News stories, speeches, letters and notices
Detailed guidance, regulations and rules
Reports, analysis and official statistics
Consultations and strategy
Data, Freedom of Information releases and corporate reports
Support for Mortgage Interest (SMI) helps homeowners on certain benefits pay interest on loans or mortgages - what you'll get, eligibility and how to claim.
If you’re a homeowner or have bought a shared ownership property, you…
You’ll get help paying the interest on your mortgage or loan. Support for…
To be eligible for a Support for Mortgage Interest (SMI) loan, you must…
When you apply for a qualifying benefit, you’ll be asked extra questions…
You’ll need to repay your SMI loan as a lump sum with interest if you sell…
You can still get financial help with your housing costs if your Income…
How to buy a home: preparing to buy, deciding on a home, making offers, conveyancing, paying Stamp Duty Land Tax and making complaints.
Buying a home takes about 5 months on average. The process can take longer…
When you decide you want to buy a home, you may need to get a mortgage to…
There are different ways to own a property. Leasehold and freehold…
Before you make an offer, check: what the property is worth the number of…
Once the offer is accepted, the seller is responsible for drawing up a…
You may need to pay: Stamp Duty Land Tax (SDLT) when you buy a home in…
You can make a complaint to a company involved in the sale if you’re…
Mortgage Interest Run On is extra money you can get towards housing costs for 4 weeks if your benefits are stopping - eligibility, what you'll get, how to claim
Mortgage Interest Run On is extra money you can get towards your housing…
If you’re eligible and were getting Support for Mortgage Interest before…
You can claim Mortgage Interest Run On if you’ve stopped getting…
You don’t need to apply - you should get Mortgage Interest Run On…
Details of the rules for lenders offering the Help to Buy: mortgage guarantee scheme.
Official Statistics on the mortgage guarantee scheme.
The Mortgage Rescue Scheme has closed. Find out what other support you can get.
Official statistics on the Help to Buy mortgage guarantee scheme.
Paper forms which can be used by limited companies to register details about a company charge with Companies House.
Guidance for lenders on taking part in the scheme to pay Support for Mortgage Interest (SMI) direct to qualifying lenders.
Don’t include personal or financial information like your National Insurance number or credit card details.
To help us improve GOV.UK, we’d like to know more about your visit today. Please fill in this survey (opens in a new tab).