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If you are a homeowner and get certain income-related benefits, you may qualify for help towards mortgage interest payments. This is payable as part of your benefit and is called Support for Mortgage Interest (SMI).
You may get help with mortgage interest payments as part of your benefits if you are a homeowner and are getting one of the following:
You will only get help towards mortgage interest payments for a mortgage or loan to buy or improve your home. SMI is normally paid directly to your lender. There is no guarantee that you will get SMI for a loan you take out.
SMI cannot help you pay:
A two year time limit to SMI for new customers getting income-based Jobseeker's Allowance was introduced from 5 January 2009.
If you can't meet your mortgage repayments, or you are worried you might fall behind, you must contact your lender as soon as possible.
If you claim Pension Credit, and you want help towards mortgage interest payments, you will:
If you are already getting SMI under the rules that apply from 5 January 2009, you can continue to get help with your mortgage interest on up to £200,000 of your mortgage, if you move on to Pension Credit within 12 weeks of ending a claim for:
You can continue getting the same amount of help with your mortgage interest, if you remain entitled to Pension Credit.
Contact your local Social Security /Jobs & Benefits office, Employment and Support Allowance centre or The Pension Service (details below) to find out more and check your eligibility.
Social Security / Jobs and Benefits OfficesView contact details on NI Direct
Northern Ireland Pension Centre - State PensionPO Box 205, Londonderry, BT48 6YB
Claim Line 0808 100 2658Enquiries 0845 601 8821Text phone 0808 100 2198 (for deaf and hard of hearing users only) Phone lines open Monday to Friday 9.00 am to 5.00 pmEmployment and Support AllowanceJames House, 2 - 4 Cromac Avenue, Belfast, BT7 2JA
New claims 0800 085 6318General enquiries or to report a change of circumstance 0845 602 7301Text phone 0800 328 3419 (for deaf and hard of hearing users only)
If you, or an older person you know needs advice, information or practical support on a wide range of issues including welfare benefits, community care, housing and health, contact the Age NI Advice Service on Freephone 0808 808 7575 to speak to a specialist advisor in confidence. Our advisors can provide a free benefit check to ensure that older people are accessing the benefits they are entitled to.
Every year our Advice Service deals with thousands of calls from older people in need. Call the Age NI Advice Service today to make sure that you are receiving all the help and support available to you.
A guide to claiming benefits for people over pension age life.
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