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how can i get help with mortage payments

Posted , 4 users are following.

delane
delane

my husband is on esa and waiting for decision on pip i work full time but we are struggling to pay mortage how do we get help

0 likes, 3 replies

3 Replies

  • linda83143l
    linda83143l delane

    Posted

    Go to the Citizens Advice bureau they will help you through everything to do with benefits, what you can claim. Its advisable to do it asap. Xx Linda
  • SteV3
    SteV3 delane

    Posted

    Hi,

    You could try the Citizens Advice bureau near you, and see what they can think of, everyone over here is feeling the government cuts.

    Relying on PIP could go either way, in which case you could apply for a loan on your husbands ESA. Just a thought, but the trouble is this depends on the ESA group type.

    Regards,

    Les.

  • anthony97723
    anthony97723 delane

    Posted

    Hi Delane

    The advice to get in touch with your local CAB is good advice and you should follow it. However, for your information see the info below;

    Support for Mortgage Interest

    If you’re on certain benefits such as Income Support, income-based Jobseeker’s Allowance, or income-related Employment and Support Allowance and are struggling to pay your mortgage, you may be able to get help towards mortgage interest payments called Support for Mortgage Interest (SMI).

    If you qualify, you can get help towards interest payments on a mortgage of up to £200,000 following a 13-week waiting period after you’ve claimed your benefit. If you are on Pension Credit you may be able to get help immediately, but only for a mortgage up to £100,000.

    From 1 April 2016, the waiting period will extend to 39 weeks before SMI is paid. It’s normally paid direct to your lender.

    The money is only to cover interest and Support for Mortgage Interest is calculated using a standard interest rate. There is no help available for capital payments.

    Under government proposals, from April 2018 all existing and new SMI payments will be made as a loan and you will pay interest on it. You will have to repay the loan either when you sell your house or voluntarily when you are able to (for example when you return to work).

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