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Mortgage arrears

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8. Help with mortgage payments (Support for Mortgage Interest SMI)

If you're on qualifying benefits you may be entitled to Support for Mortgage Interest (SMI). This is paid in addition to certain social security benefits and can help you meet some or all of the interest payments on your mortgage.

You may be entitled to SMI if you are a homeowner and receive any of the following benefits:

  • income support
  • income-based Jobseeker’s or Employment Support Allowance
  • universal credit
  • pension credit