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Mortgage Interest Run On Benefit (MIRO)

In some cases, Mortgage Interest Run-On can provide financial help with housing costs. MIRO eligibility may apply when certain income-based benefits are about to stop.

MIRO RULES: This page explains how to get extra money from Mortgage Interest Run On. It is an extension of Support for Mortgage Interest.

As a homeowner, the extra payments might count towards certain housing costs if your benefits will stop.

But, you will only qualify if you are getting certain income-based benefits. The reason they are stopping can only be because either:

  • You are returning to full-time work.
  • You started working extra hours.
  • You are earning more money.

Note: The financial help from Mortgage Interest Run On benefit is temporary. It will only last for four (4) weeks.

Mortgage Interest Run On Amount

You must have been getting Support for Mortgage Interest (SMI) before your situation change at work. As a rule, you get the same amount that were getting before the benefits stopped.

The payments from MIRO can help to pay mortgage charges or interest on a loan. But, they will get paid direct to your bank account. That means you will need to make the payment to the mortgage lender.

Mortgage Interest Run On Eligibility

You may qualify to claim Mortgage Interest Run On if you stopped getting:

Your circumstances must also include all these to meet the eligibility criteria for MIRO:

  • You claimed one of the qualifying benefits without any stoppages for 26 weeks or longer.
  • You are expecting the extra work (or extra more money) to continue for at least five (5) weeks or longer.
  • You already qualified for help with housing costs before the work started (e.g. SMI).
  • The interest payments or loan still exists at the time you started work or began earning extra money.

How to Claim Mortgage Interest Run On

There is no separate application needed to apply for Mortgage Interest Run On. It is part of an original claim for benefits related to housing costs. That means it is an automatic process in most cases.

Note: You will need to inform your Jobcentre Plus office as soon as you start working or get a pay increase.

Mortgage Interest Run On Benefit: How MIRO Works in the United Kingdom