Government support schemes

A number of schemes are available from the Government which may help if you are experiencing payment difficulties.

Please note - if you apply for assistance under any of these options, you should continue to make your regular payments (or any other pre-agreed arrangement you have with us) while your application is being processed. Failure to do so may lead to us taking legal action to repossess your home.

Income support for mortgage interest (ISMI)

You may be entitled to support with your mortgage interest payments if you are in receipt of any of the following benefits:

  • income support
  • income based Jobseekers Allowance
  • income related employment and support allowance
  • pension credit

You may qualify to get help to pay all or part of the interest on your mortgage payments. You can't get any money to cover the capital you originally borrowed or any investment that is linked to your mortgage (such as an endowment policy, pension or ISA).

To find out more information visit the Direct Gov or call Jobcentre Plus on 0800 055 6688.

Mortgage rescue scheme (MRS)

The Mortgage Rescue Scheme aims to help those with the most serious difficulties with mortgage repayments.

Under this scheme, your local authority may help you either with a 'shared equity loan' or through a 'Government mortgage to rent'.

To find out more information and whether you are eligible, visit Direct Gov