Support for Mortgage Interest (SMI)

If you’re a homeowner, you might be able to get help towards interest payments on:

• your mortgage
• loans you’ve taken out for certain repairs and improvements to your home

This help is called Support for Mortgage Interest (SMI).

It’s paid as a loan, which you’ll need to repay with interest when you sell or transfer ownership of your home.

You usually need to be getting, or treated as getting, a qualifying benefit to get SMI.

There’s no guarantee that you’ll get SMI for a mortgage or loan you take out.