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When everyone has a home

Housing advice for Northern Ireland

Support for Mortgage Interest

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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Getting help to pay your mortgage (SMI)

You cannot get benefits to help pay your mortgage. The only help available is a loan that can cover some of the interest you pay on your mortgage. This loan is called Support for Mortgage Interest (SMI). 

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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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