Step 1 Increasing your income

Loan for Mortgage Interest

Extra advice:

housing costs and Universal Credit

If you claim Universal Credit, the DWP will normally pay at least some of the interest on your mortgage if you took the mortgage out to buy your home. The rules about how much help you can get from Universal Credit are complicated. If you are not sure about whether you can claim, contact us for advice.

If you claim Income Support, Pension Credit, income-related Employment and Support Allowance or income-based Jobseeker’s Allowance, the Department for Work and Pensions (DWP) will normally pay at least some of the interest on the mortgage if you took the mortgage out to buy your home. This is called a Loan for Mortgage Interest. This is a loan and not a benefit. The rules about how much help you can get are complicated. Different rules apply depending on when you took out your mortgage and when you made your claim for benefit. If you are not sure about whether you are eligible, contact us for advice.

Household mortgage arrears

For more information about how to deal with mortgage arrears, see our detailed Household mortgage arrears fact sheet.

This fact sheet covers the following areas.

  • Coming to an arrangement with your lender.
  • What to do if you can't afford your mortgage.
  • What if my home is worth less than the mortgage?
  • Second mortgages or secured loans.
  • What if my mortgage lender takes me to court?