Many homeowners miss out on extra weekly income because they do not know they can claim.
You may be able to get help towards:
- interest payments on your mortgage or loans taken out for repairs or home improvements
- Council Tax payments
- repairs and home improvements
Support for mortgage interest
You may get help towards your mortgage interest payments and interest on loans taken out for repairs or improvements if you receive one of the following benefits:
- Pension Credit Guarantee
- Universal Credit (UC)
UC claimants may also qualify even if in low-paid work and have been receiving UC for 3 months in a row. This also applies if you moved to UC within a month of another benefit ending and you’ve spent 3 months in total getting these benefits.
Support is in the form of a loan with interest. This means you’ll pay back more than you borrowed. This will need to be repaid if you sell the property or transfer ownership to someone else.
Find out more about support for mortgage interest (GOV.UK)
Further information
If your housing costs are not being met in full or you're struggling to afford your mortgage payments, you should talk to your lender to discuss how to fix the situation.
It is important to get advice at an early stage to avoid falling into arrears and risk losing your home.
Depending on your circumstances, there may be other help available to you.
Use our benefit calculator to see how much help you can get. Find out where to get advice on benefits and financial support
If you need housing advice, you can get help from Shelter.
If you need debt advice and counselling, see our information on help with debt.
Depending on your circumstances, there may be other help available to you.
- Use our benefit calculator to see how much help you can get.
- Talk to an experienced advisor - find out more on MoneySuperMarket’s website.
- Talk to your lender to discuss options including temporary payment arrangements, lengthening the term of your mortgage and switching temporarily to interest-only repayments.
- Review your monthly budget to see if you can make cuts to your costs using MoneySavingExpert’s Budget Planner.
- Get housing advice from the charity Shelter on dealing with mortgage payments and arrears.
- If you need debt advice and counselling, see our information on help with debt.