Support for Mortgage Interest (SMI)

If you’re a homeowner getting certain income-related benefits, you might be able to get help towards interest payments on:

  • Your mortgage
  • Loans you have taken out for certain repairs and improvements to your home

This help is paid as part of your benefit and is called Support for Mortgage Interest (SMI).

Support for Mortgage Interest is normally paid direct to your lender. You can’t get help towards the amount you borrowed – only the interest.

To check if you are eligible for Support for Mortgage Interest, and for information about how to claim it, go to:

www.gov.uk/support-for-mortgage-interest/eligibility