Before you start your claim for Support for Mortgage Interest (SMI), make sure you have everything to hand. These are the main requirements and the step-by-step guide to claiming through the official channel.
Check eligibility on the official page →
Read the requirements and steps below first, so you can make your claim on the official page in one go.
Claiming is always free. Never pay anyone to make a claim for you.
Documents ready = faster claim
Loan, not grantPaid to lenderFor homeowners
📋 Requirements
- Qualifying benefit: You must get a qualifying benefit.
- Homeowner: You must own the home you live in.
- Waiting period: On Universal Credit, you usually need 3 assessment periods in a row with no earnings.
- Loan agreement: You must agree to a legal charge on your property.
🚀 How to claim, step by step
- Claim a qualifying benefit
- DWP contacts you about SMI
- Get information and advice about the loan
- Sign the loan agreement and payments go to your lender
SMI is a loan that must be repaid with interest; seek free advice before accepting.
Start your claim on the official page →
General information only. We are not part of the government. Claiming is free on the official page — you never need to pay anyone to claim.