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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.

• Overview

  If you’re a homeowner or have bought a shared ownership property, you…

• What you'll get

  You’ll get help paying the interest on your mortgage or loan. Support for…

• Eligibility

  To be eligible for a Support for Mortgage Interest (SMI) loan, you must…

• How to apply

  When you apply for a qualifying benefit, you’ll be asked extra questions…

• Repaying your loan

  You’ll need to repay your SMI loan as a lump sum with interest if you sell…

• Get other financial help with your housing costs

  You can still get financial help with your housing costs if your Income…

HMRC is aware of scheme users being told we will demand a deed of release before agreeing a settlement of your disguised remuneration liabilities.

• Updated: 14 February 2019

The process you need to follow to repay your Help to Buy: Equity Loan when you decide to sell your home.

• Updated: 23 November 2023

If you have outstanding disguised remuneration loans, you can settle them under the 2020 terms.

• Updated: 3 September 2024

The legal process of home repossession, including what your mortgage lender must do, repossession hearings, possession orders and help with legal costs

When you need permission to remortgage, how your lenders are involved, what documents you’ll need and how to apply.

• Updated: 4 February 2022

Find out the settlement opportunities for tax owed due to the Tax Tribunals and Court of Appeal finding that Eclipse Film Partners No 35 LLP was not trading.

• Updated: 6 September 2021

• Updated: 30 October 2024

• Updated: 18 November 2022

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