Support with mortgage interest

If you own your home, you might be able to apply for a loan from the government to help pay your mortgage interest payments.

To apply, you must be entitled to one of the following benefits:

If you are getting Pension Credit, the loan will help to pay the interest on up to £100,000. If you are below State Pension age, the loan will help you to pay the interest on up to £200,000 of your loan or mortgage. There will also be a waiting time of 39 weeks (around 9 months) before you will start getting payments.

You will need to repay the loan with interest when you sell or transfer ownership of your home. You can choose to start repaying the loan sooner. The minimum repayment will be £100 per month.

You can speak to our welfare rights advisers or financial guides for more information. Call 0808 808 00 00.

Back to Help with bills and housing costs

Housing Benefit

You may be able to get help with your rent payments if you have a low income.

Help with council tax or rates

Council tax reduction schemes can help people in England, Scotland and Wales to pay their council tax. In Northern Ireland, there are options to help you pay your rates bill.

Help with service charges

You might be able to get help with service charges, such as bills for repairs and maintenance to your home.

Grants for your home

You may be able to get financial help if you need to repair, improve or adapt your home.