You are one step away from claiming Support for Mortgage Interest (SMI). Check the eligibility criteria and the documents you will need so you can claim without delays.
Check each condition below before you claim. Having your documents ready means fewer delays.
If you are unsure whether you qualify, a free benefits calculator can give you an estimate in minutes.
Clear criteria, faster claim
Loan, not grantPaid to lenderFor homeowners
📋 Who can claim
- 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.
🧮 Before you claim
- Read the eligibility rules on the official page.
- Gather your National Insurance number and bank details.
- Have information about your income, savings and household ready.
✅ Good to know
- Secured loan: The loan is secured against your home.
- Partial write-off: If the sale doesn't cover it, the remainder may be written off.
- Home improvement loans: Pension Credit claimants can get help with some home improvement loans.
SMI is a loan that must be repaid with interest; seek free advice before accepting.