Can I claim for help paying my mortgage?

Your Universal Credit (UC) claim can include a claim for help paying your housing costs, including mortgage interest payments.

These payments are known as Support for Mortgage Interest payments (SMI).

How much help will I get towards my mortgage payments?

UC can help you pay the interest on your mortgage. It cannot help you pay anything towards the capital sum of your mortgage.

You can usually claim help with interest payments on loans up to £200,000.

The amount you get is based on a set rate of interest on what’s left of your mortgage. The rate is set at the Bank of England’s average mortgage rate – currently 2.61%. Check Gov.uk for any changes in this rate.

Do I qualify for help towards my mortgage payments?

UC housing costs payments are only available for UC claimants who are not doing any paid work.

You will have to wait until your 10th UC payment (39 weeks from the date you claim) before any housing costs payments are made. This is known as the ‘qualifying period’.

How are the payments made to my mortgage?

Payments are paid straight to your lender.

The payments are paid as a loan. This means that you have to pay them back, with interest, when you sell or transfer ownership of your home. The current rate of interest added to the loan is 1.5% but this may go up or down.

What should I do if I cannot wait for 39 weeks, or cannot afford my mortgage?

If you are claiming UC but cannot afford your mortgage, you might have to reconsider your housing options. Have a look at our pages on mortgage arrears and mortgage repossession for further advice.

Universal Credit key facts

• One single payment to cover living costs and rent
• Paid monthly
• Claim online
• Paid into your bank account

Phone an adviser

If you have a housing problem, call our expert housing advice helpline
0345 075 5005

Email an adviser

If you have a non-urgent problem and would like to speak to an adviser
email us

We are sorry that we cannot provide this information in Welsh, however if you would like to speak to an adviser in Welsh please contact 0345 075 5005.

This page was last updated on: April 23, 2019

Shelter Cymru acknowledges the support of Shelter in allowing us to adapt their content. The information contained on this site is updated and maintained by Shelter Cymru and only gives general guidance on the law in Wales. It should not be regarded or relied upon as a complete or authoritative statement of the law.