The UK Rules
'Follow the Regulations'
Mortgage Interest

Mortgage Interest Support

SMI is not available for people who have been incarcerated in prison but your partner might be able to claim instead.

SUPPORT FOR MORTGAGE INTEREST: They may be entitled to claim mortgage interest support while you are serving a prison sentence and a partner’s name does not necessarily need to be on the mortgage to be eligible.

Claiming SMI while on Remand

You may be able to continue receiving Support for Mortgage Interest if you are single on remand and meet the eligibility conditions.

However, you cannot claim Income Support (or SMI) if you are part of a couple and on remand.

Nonetheless, your partner can still claim benefit and housing costs.

Note: You cannot make a new claim if you are on remand.

How SMI is Paid

If you are on remand Support for Mortgage Interest can only be paid through Pension Credit or Income Support.

You will need to apply for one of these benefits if you have been getting it paid through Income-based Job Seeker’s Allowance or Employment and Support allowance.

However, you will only receive the housing costs part of Pension Credit or Income Support.

Note: You will not receive assistance for the first 13 weeks if you apply for help with interest payments through Income Support.

Prison and Mortgage Interest Payment Support; UK Rules Updated 2017