Please note this section does NOT cover help with housing costs for Universal Credit claimants.If the person you are advising is in receipt of Universal Credit please click here.
Click on the links below for a guide to the benefits that a person can claim to help towards the housing costs in home ownership, including shared equity / shared ownership, freehold and long leasehold schemes; and details about who can get help, how much, what with and when.
Help with mortgage interest and for certain loans that have been taken out for essential improvements/repairs to the property, are now (ie since 6th April 2018) paid by a government loan (called "an SMI loan") rather than as an addition to the claimant's benefit. The loan is secured as a charge against the property, and accrues interest.
A transitional period whereby people can stay on the SMI (Support for Mortgage Interest) system for a short period applies in some cases.