You may be able to get help to cover the interest payments on your mortgage or eligible home improvement loans if you are entitled to a ‘qualifying benefit’: universal credit or pension credit .

This help will come in the form of loan payments from the DWP: ‘support for mortgage interest’ (SMI) loans. These must be repaid with interest once your property has been sold. The SMI loans may be secured by a charge on your property (see 3 below ). You do not need to accept an offer of these loans; the scheme is voluntary.

In this chapter, we explain SMI loans as they apply if you are claiming universal credit; if you are claiming pension credit, see Disability Rights Handbook 48th edition, Chapter 28.
LMIR Regs

When can an offer of SMI loans be made to you? – The DWP may offer you SMI loans to cover any eligible interest on ‘owner-occupier payments’ that you are liable to make on the accommodation that you occupy as your home (see 2 below ).
LMIR Regs, reg 3(1)

See 3 below for