Non-dependant deductions – If you are getting one of the legacy benefits or pension credit, in calculating the SMI loan a deduction is made for each non-dependant living in your home. The rules and amounts are similar to those for housing benefit (see Chapter 27(21)). If you are also getting other housing costs covered by your means-tested benefit (see Chapter 29), the non-dependant deduction is divided between the two types of support and applied to each proportionally.1LMIR Regs, reg 14

Insurance payment deductions – If you are getting one of the legacy benefits or universal credit, in calculating the SMI loan a deduction is made if you (or your partner) receive payments under a mortgage protection policy. 2LMIR Regs, reg 14A