Pension credit can help with certain housing costs if you are an owner-occupier. This chapter focuses on the help towards housing costs available through this benefit. If you are getting universal credit, your award of that benefit may include an amount to cover housing costs, the ‘housing costs amount’ – see Chapter 20(2) . If you need help to cover the interest payments on your mortgage, see Chapter 24 .

When can housing costs be included? – Housing costs can be included in your award if you or your partner are liable for housing costs at the home you normally live in and the type of housing cost is covered. See 2 below for details.
SPC Regs, Sch 2 , para 1(1)

The amount towards your housing costs is reduced if you have any ‘non-dependants’ living with you (eg adult son or daughter, friend or relative). The rules and amounts are similar to those for housing benefit (see Chapter 21(21) ). No deduction is made if a deduction for that non-dependant is al