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When everyone has a home

Housing advice for Northern Ireland

Support for Mortgage Interest

CORONAVIRUS UPDATE

Lots of people are struggling to manage with housing issues because of the coronavirus crisis. Check out our Coronavirus section for information and advice on common problems, including help to pay your rent and mortgage, eviction and repairs.

Returning to your home after release

If you had safe and secure accommodation before going into custody you should try to keep it, if possible, while you’re in prison.

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Let your landlord or lender know you are absent

You may not want to inform your landlord or mortgage lender that you're in prison, but you have to keep them informed.

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Get help with your mortgage

If you are paying off a mortgage and you are on remand, you may be able to get help with your repayments. You'll only get help towards the interest on your mortgage and you'll only get help for a certain amount of time.

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Support for paying mortgage interest

The help you get to pay your mortgage interest is a loan. You will usually only get this help if you have been receiving other benefits for a certain period of time. You don't make regular payments towards the loan. Instead, you may have to pay the full amount back if you sell the property.

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Help to pay your mortgage or secured loan

If you get certain benefits, you might be able to get help to pay the interest on your mortgage. This help will be a loan and you'll have to repay the money if you sell your home. You'll normally have to wait almost 10 months from the date you start getting other benefits until you'll get help towards your mortgage.

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Changes to help with housing costs for homeowners

If you own your own home and receive certain benefits, you can apply for Support for Mortgage Interest. This is a payment made to help homeowners with the cost of the mortgage on their mortgage and on certain loans.

It's now a loan payment that will have to be paid back. 

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