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• Updated: 14 April 2023

The government commits to a new, permanent, comprehensive mortgage guarantee scheme to increase homeownership.

• Updated: 13 February 2025

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…

• If your benefits stop

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

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

• Updated: 28 November 2023

Find out about buying a home through shared ownership. Read about who can apply, costs, paying rent, buying more shares and repairing and selling your home.

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

Details of the rules for lenders offering the Help to Buy: mortgage guarantee scheme.

• Updated: 17 November 2017

• Updated: 16 March 2023

Buy your rented home through the Right to Shared Ownership scheme: who can apply, how to apply, costs, paying rent, buying more shares, repairing and selling your home.