If you are finding it difficult to pay your mortgage you may be able to get help.
Support for Mortgage Interest (SMI)
This helps home owners who are receiving certain benefits. You may be able to get help towards interest payments on:
- Your mortgage
- Loans you have taken out for certain repairs and improvements to your home
This help is paid as part of your benefit and is called Support for Mortgage Interest (SMI).
SMI is normally paid direct to your lender. You can’t get help towards the amount you borrowed - only the interest.
Rent out a room in your home
You may consider letting out a room in your home to increase your income.
If you let out part of a property which is your only or main home, you may become a resident landlord. This means you will have certain rights and responsibilities.
You should seek advice about the implications of letting out a room in your home from the Citizens Advice, a Law Centre or a Solicitor.
Up to: Paying for housing
Updated: 11 September 2020