Mortgage Interest Run On


If you are currently getting Support for Mortgage Interest (SMI) but one of your qualifying benefits is due to stop, you may get extra money. You will be eligible for Mortgage Interest Run On if the benefit is stopping because you’re:

  • returning to work full-time

  • working more hours

  • earning more money

You will be able to get this help for 4 weeks. If you qualify and were getting SMI before your work situation changed, you will usually continue to get the same amount as you were getting before your benefits stopped. However instead of payments being paid direct to your lender they will be paid to you.


You can claim Mortgage Interest Run On if you’ve stopped getting income-based Jobseeker’s Allowance, Income Support or income-related Employment and Support Allowance because you’re; returning to work full-time, working more hours, earning more money. In addition all of the following must also apply:

  • you’ve been claiming the benefit continuously for at least 26 weeks

  • you expect the work (or more money) to last for 5 weeks or more

  • you were entitled to help with your housing costs before your work started and you’ll still have these costs when you start work

How to claim

There is no need to apply, you should get Mortgage Interest Run On automatically. You just need to let your Jobcentre Plus office know as soon as you’re starting work.