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816915

	registered interest
	date	05/01/2018
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Support for Mortgage Interest
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, for what reasons his Department decided against the introduction of a transitional protection period for people claiming support for mortgage interest after April 2018.
	tabling member constituency	Leeds North West
	tabling member printed	Alex Sobel
	uin	121342
	answer	answer is ministerial correction date of answer 11/01/2018 answer text <p>Support for mortgage interest provides protection for home owners from the threat of repossession. The new loan scheme will provide exactly the same level of support and, thus, exactly the same level of protection against repossession. Claimants and mortgage lenders will not see any difference in the payments they receive and so there is no need to make any general transitional provisions.</p><p> </p><p>Some specific transitional provisions have been put in place which will allow for existing benefit payments to remain in place for a temporary period. These will apply if there are administrative delays in migrating some claimants to the new scheme or where there are difficulties in appointing someone to act on the claimant’s behalf.</p> answering member constituency North West Hampshire answering member printed Kit Malthouse question first answered 11/01/2018 12:33:27 answering member 4495 label Biography information for Kit Malthouse
	tabling member	4658 label Biography information for Alex Sobel

816971

	registered interest
	date	05/01/2018
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Support for Mortgage Interest
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, what steps his Department has taken to make people in receipt of the Support for Mortgage Interest scheme aware of forthcoming changes to that scheme; and what assessment he has made of the long-term effect on the security of the recipients' homes as a result of people moving from a benefit to an interest-bearing loan.
	tabling member constituency	Weaver Vale
	tabling member printed	Mike Amesbury
	uin	121398
	answer	answer is ministerial correction date of answer 10/01/2018 answer text <p>A managed transfer process has begun with all existing recipients of Support for Mortgage Interest (SMI) benefit receiving information about the new scheme in advance. The exercise to give SMI claimants information about the new scheme began in July 2017 and will continue until mid-February 2018.</p><p> </p><p>Claimants are given information about how the SMI loan will work, about alternatives to the loan and organisations that can offer further information. This is followed up by a telephone call to explain the information and answer any questions. A leaflet containing Frequently Asked Questions is issued to support this informed discussion.</p><p> </p><p>SMI loans will be available to all claimants who currently qualify for SMI as a benefit. The new loans scheme will continue to provide robust protection against repossession to all eligible claimants in times of need. The level of support available will be calculated in the same way as under the current system and claimants and mortgage lenders will not see any difference in the payments they receive. There is no reason to expect lenders to behave any differently to now and we do not anticipate that this measure will lead to an increase in the number of homes that are repossessed. Claimants may change their mind whether to take or decline a loan at any time.</p><p> </p><p>Recovery of SMI loans will not be pursued until the property is sold or transferred. If the amount of equity available after the sale of the property is less than the amount due to be recovered the balance will be written off.</p><p><strong> </strong></p> answering member constituency North West Hampshire answering member printed Kit Malthouse question first answered 10/01/2018 15:24:58 answering member 4495 label Biography information for Kit Malthouse
	tabling member	4667 label Biography information for Mike Amesbury

389365

	registered interest
	date	13/07/2015
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Support for Mortgage Interest
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, what his policy is on the interest and repayment requirements for loans under the Support for Mortgage Interest scheme; in what circumstances such loans will be payable; and if he will make a statement.
	tabling member constituency	East Ham
	tabling member printed	Stephen Timms
	uin	6690
	answer	answer is ministerial correction date of answer 16/07/2015 answer text <p /> <p>The Government will set out its assessment of the impacts of the policies in the Welfare Reform and Work Bill in due course.</p> answering member constituency North Swindon answering member printed Justin Tomlinson question first answered 16/07/2015 10:54:18 answering member 4105 label Biography information for Justin Tomlinson
	tabling member	163 label Biography information for Sir Stephen Timms

421194

	registered interest
	date	13/10/2015
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Support for Mortgage Interest
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, what specific guidance and advice his Department will be issuing to pensioners on the change in the Support for Mortgage Interest scheme from a benefit to an interest-bearing loan.
	tabling member constituency	Pontypridd
	tabling member printed	Owen Smith
	uin	11764
	answer	answer is ministerial correction date of answer 19/10/2015 answer text <p>The Department will be ensure that impartial advice is provided to all claimants, including pensioners, on taking out a loan. This will ensure that all claimants are able to make informed decisions about taking a SMI loan.</p> answering member constituency North Swindon answering member printed Justin Tomlinson question first answered 19/10/2015 13:03:54 answering member 4105 label Biography information for Justin Tomlinson
	tabling member	4042 label Biography information for Owen Smith

421197

	registered interest
	date	13/10/2015
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Support for Mortgage Interest
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, how many pensioners will lose money as a result of changing the Support for Mortgage Interest scheme from a benefit to an interest-bearing loan; and what the average annual loss will be for such pensioners.
	tabling member constituency	Pontypridd
	tabling member printed	Owen Smith
	uin	11761
	answer	answer is ministerial correction date of answer 19/10/2015 answer text All SMI claimants, including pensioners, will continue to receive the same level of support as now towards their mortgage interest when it becomes a loan. As a result no claimants, including pensioners, will receive less in SMI payments than they would now. answering member constituency North Swindon answering member printed Justin Tomlinson question first answered 19/10/2015 12:50:27 answering member 4105 label Biography information for Justin Tomlinson
	tabling member	4042 label Biography information for Owen Smith

421199

	registered interest
	date	13/10/2015
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Support for Mortgage Interest
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, what the average length of time is that pensioners currently in receipt of the Support for Mortgage Interest scheme have been claiming that benefit.
	tabling member constituency	Pontypridd
	tabling member printed	Owen Smith
	uin	11762
	answer	answer is ministerial correction date of answer 20/10/2015 answer text <p>A reliable estimate is not available. Consistent data on SMI claims has only been collected since 1996 and durations of claims starting before then cannot be calculated.</p> answering member constituency North Swindon answering member printed Justin Tomlinson question first answered 20/10/2015 13:11:25 answering member 4105 label Biography information for Justin Tomlinson
	tabling member	4042 label Biography information for Owen Smith

421200

	registered interest
	date	13/10/2015
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Support for Mortgage Interest
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, what estimate his Department has made of the level of administration fees and interest charges to pensioners under the Support for Mortgage Interest loan scheme.
	tabling member constituency	Pontypridd
	tabling member printed	Owen Smith
	uin	11763
	answer	answer is ministerial correction date of answer 19/10/2015 answer text <p>The interest rate charged on the loans will be tied to the Office for Budget Responsibility’s (OBR) forecast for gilts rates, so that the interest reflects the government cost of borrowing.</p><p>The rate will be updated every 6 months and is forecast to be 2.9% in 2018/19. (OBR forecast Budget 2015).</p><p>The fees charged will reflect the forecast average cost of administering the loans scheme. Until a provider has been appointed it is not possible to state what those fees might be.</p> answering member constituency North Swindon answering member printed Justin Tomlinson question first answered 19/10/2015 14:47:47 answering member 4105 label Biography information for Justin Tomlinson
	tabling member	4042 label Biography information for Owen Smith

427302

	registered interest
	date	09/11/2015
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Support for Mortgage Interest
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, how many and what proportion of people who made a claim for support for mortgage interest in each year between 1995 and 2009 went into arrears on their (a) interest repayments and (b) capital repayments (i) during the first 13 weeks of the waiting period and (ii) between weeks 13 and 39 of the waiting period.
	tabling member constituency	Islington South and Finsbury
	tabling member printed	Emily Thornberry
	uin	15426
	answer	answer is ministerial correction date of answer 16/11/2015 answer text <p>The information requested regarding the number and proportion of people who made a claim for support for mortgage interest between 1995 and 2009 who went into arrears on the interest or capital repayment during the waiting period is not available.</p> answering member constituency North Swindon answering member printed Justin Tomlinson question first answered 16/11/2015 17:09:40 answering member 4105 label Biography information for Justin Tomlinson
	tabling member	1536 label Biography information for Emily Thornberry

427303

	registered interest
	date	09/11/2015
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Support for Mortgage Interest
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, how many and what proportion of people who made a claim for support for mortgage interest in (a) 2009-10, (b) 2010-11, (c) 2011-12, (d) 2012-13, (e) 2013-14 and (f) 2014-15 went into arrears on their (i) interest repayments and (ii) capital repayments during the 13-week waiting period.
	tabling member constituency	Islington South and Finsbury
	tabling member printed	Emily Thornberry
	uin	15427
	answer	answer is ministerial correction date of answer 16/11/2015 answer text <p>The information requested regarding the number and proportion of people who made a claim for support for mortgage interest from 2009 to date who were in arrears on the interest or capital repayment during their waiting period is not available.</p> answering member constituency North Swindon answering member printed Justin Tomlinson question first answered 16/11/2015 16:56:26 answering member 4105 label Biography information for Justin Tomlinson
	tabling member	1536 label Biography information for Emily Thornberry

427304

	registered interest
	date	09/11/2015
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Support for Mortgage Interest
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, how many and what proportion of people in receipt of support for mortgage interest who were also in receipt of income-based jobseeker's allowance, reached the end of the two-year limit in (a) 2009-10, (b) 2010-11, (c) 2011-12, (d) 2012-13, (e) 2013-14 and (f) 2014-15.
	tabling member constituency	Islington South and Finsbury
	tabling member printed	Emily Thornberry
	uin	15428
	answer	answer is ministerial correction date of answer 17/11/2015 answer text <p>The information is not available and could only be provided at disproportionate cost.</p> answering member constituency North Swindon answering member printed Justin Tomlinson question first answered 17/11/2015 16:04:51 answering member 4105 label Biography information for Justin Tomlinson
	tabling member	1536 label Biography information for Emily Thornberry