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1109209

	registered interest
	date	02/04/2019
	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, if she will make an assessment of the effectiveness of replacing the Support for Mortgage Interest scheme with a loans-based system from April 2018.
	tabling member constituency	Weaver Vale
	tabling member printed	Mike Amesbury
	uin	240106
	answer	answer is ministerial correction date of answer 08/04/2019 answer text <p>Support for Mortgage Interest is designed to provide protection against the threat of repossession. The new loans system provides exactly the same level of support and provides exactly the same level of protection from repossession as the previous system. We continue to work closely with the lending industry to ensure the scheme delivers its intended aim. The conversion of SMI from a benefit to a loan is estimated to save around £140m in welfare spending.</p><p> </p><p>The Department is using evidence from a number of sources to assess the impact of the conversion to a loan on an on-going basis, including management information on claimant take up and feedback from stakeholder groups, including via our regular liaison with UK Finance, to assess whether there are unintended consequences for particular groups.</p> answering member constituency Colchester answering member printed Will Quince question first answered 08/04/2019 12:59:13 answering member 4423 label Biography information for Will Quince
	tabling member	4667 label Biography information for Mike Amesbury

850864

	registered interest
	date	27/02/2018
	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 took to inform recipients of Support for Mortgage Interest of the changes from benefit to loan occurring on 5 April 2018.
	tabling member constituency	Barnsley East
	tabling member printed	Stephanie Peacock
	uin	130086
	answer	answer is ministerial correction date of answer 07/03/2018 answer text <p>A managed information provision process began in July 2017 to inform all existing recipients of Support for Mortgage Interest (SMI) benefit of the new scheme. Claimants are given information about how the SMI loan will work, about alternatives to the loan and organisations that may offer further information and support. This is followed up by telephone calls to explain the information and answer any questions. A leaflet containing Frequently Asked Questions is issued to support this informed discussion. Where a claimant expresses an interest in taking up the offer of an SMI loan they will be sent a loan agreement and charge form to complete and return. They also receive detailed guidance on how to complete these documents.</p> answering member constituency North West Hampshire answering member printed Kit Malthouse question first answered 07/03/2018 17:08:23 answering member 4495 label Biography information for Kit Malthouse
	tabling member	4607 label Biography information for Stephanie Peacock

857806

	registered interest
	date	08/03/2018
	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, pursuant to the Answer of 20 February 2018 to Question 127702, if her Department will put transitional protections in place for the continued payment of support for mortgage interest for claimants of that benefit who have not been contacted by Serco by the end of February 2018.
	tabling member constituency	Wirral West
	tabling member printed	Margaret Greenwood
	uin	131707
	answer	answer is ministerial correction date of answer 13/03/2018 answer text <p>A managed information provision process began in July 2017 to inform all existing recipients of Support for Mortgage Interest (SMI) benefit of the new scheme. The regulations contain provision for all claimants to be given at least 6 weeks from the loan offer to make a decision whether to accept or decline an SMI loan before their SMI benefit payments cease.</p> answering member constituency North West Hampshire answering member printed Kit Malthouse question first answered 13/03/2018 17:08:17 answering member 4495 label Biography information for Kit Malthouse
	tabling member	4400 label Biography information for Margaret Greenwood

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

882587

	registered interest
	date	13/04/2018
	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 how long households will receive Support for Mortgage Interest as a benefit, if they have not been contacted by the Department about its change in policy by 5 April 2018.
	tabling member constituency	Birkenhead
	tabling member printed	Frank Field
	uin	135649
	answer	answer is ministerial correction date of answer 19/04/2018 answer text <p>All claimants were contacted about Support for Mortgage Interest loans before 5 April. After this initial contact an information discussion is held following which the offer of an SMI loan will be made. The claimant can continue to receive SMI as a benefit for up to 10 weeks following the date the loan offer is made to give them time to decide whether to accept the offer and for the loan payments to be put in place. Where an existing claimant lacks mental capacity to make decisions about entering into the loan agreement, the regulations enable SMI benefit to continue until an appropriate person is appointed to act on the claimant’s behalf.</p> answering member constituency North West Hampshire answering member printed Kit Malthouse question first answered 19/04/2018 15:17:21 answering member 4495 label Biography information for Kit Malthouse
	tabling member	478 label Biography information for Lord Field of Birkenhead

843683

	registered interest
	date	19/02/2018
	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 her Department is taking to ensure that people and organisations which offer advice on changes to the Support for Mortgage Interest scheme are appropriately qualified and regulated.
	tabling member constituency	Weaver Vale
	tabling member printed	Mike Amesbury
	uin	128024
	answer	answer is ministerial correction date of answer 22/02/2018 answer text <p>All current recipients of Support for Mortgage Interest will be contacted and given information about the changes. They will not be given financial advice but will be informed that such advice is available should they require it. Organisations offering financial advice are regulated by the Financial Conduct Authority.</p> answering member constituency North West Hampshire answering member printed Kit Malthouse question first answered 22/02/2018 12:24:52 answering member 4495 label Biography information for Kit Malthouse
	tabling member	4667 label Biography information for Mike Amesbury

855734

	registered interest
	date	05/03/2018
	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, if his Department will issue guidance on accessing free and impartial financial advice on the support for mortgage interest payments loan.
	tabling member constituency	Stroud
	tabling member printed	Dr David Drew
	uin	131040
	answer	answer is ministerial correction date of answer 13/03/2018 answer text <p>All existing SMI claimants are sent information about how the SMI loan will work, about possible alternatives to the loan and organisations that may offer further information and support. This is followed up by telephone calls from Serco to explain the information and answer any questions. A leaflet containing Frequently Asked Questions is issued to support this informed discussion. The information provision explicitly does not provide advice but does signpost to other impartial organisations that can help customers who may need assistance on reaching a financial decision such as Money Advice Service.</p><p><strong> </strong></p> answering member constituency North West Hampshire answering member printed Kit Malthouse question first answered 13/03/2018 11:27:12 answering member 4495 label Biography information for Kit Malthouse
	tabling member	252 label Biography information for Dr David Drew

850936

	registered interest
	date	27/02/2018
	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, pursuant to the Answers of 8 January 2018 to Questions 121064, 121066 and 121067, what information his Department has provided to people claiming welfare support to confirm that they are eligible for a loan.
	tabling member constituency	Kingston upon Hull North
	tabling member printed	Diana Johnson
	uin	130146
	answer	answer is ministerial correction date of answer 05/03/2018 answer text <p>All existing SMI claimants will be offered a loan. Claimants are given information about how the SMI loan will work, about alternatives to the loan and organisations that may offer further information and support. This is followed up by telephone calls to explain the information and answer any questions. A leaflet containing Frequently Asked Questions is issued to support this informed discussion. Where a claimant expresses an interest in taking up the offer of an SMI loan they will be sent a loan agreement and charge form to complete and return. They also receive detailed guidance on how to complete these documents.</p><p> </p> answering member constituency North West Hampshire answering member printed Kit Malthouse question first answered 05/03/2018 17:52:10 answering member 4495 label Biography information for Kit Malthouse
	tabling member	1533 label Biography information for Dame Diana Johnson

869389

	registered interest
	date	22/03/2018
	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, if her Department will make an assessment of the financial effect on people who move from the Support for Mortgage Interest benefit to the Support for Mortgage Interest loan.
	tabling member constituency	Central Ayrshire
	tabling member printed	Dr Philippa Whitford
	uin	133903
	answer	answer is ministerial correction date of answer 27/03/2018 answer text <p>All existing claimants will be offered a support for mortgage interest loan paid at the same rate that is currently available as part of their benefit entitlement. The new loans-based support for mortgage interest will only affect claimants’ financial situation on the sale or transfer of the property, when the loan will be recovered from any available equity.</p> answering member constituency North West Hampshire answering member printed Kit Malthouse question first answered 27/03/2018 10:35:39 answering member 4495 label Biography information for Kit Malthouse
	tabling member	4385 label Biography information for Dr Philippa Whitford

857804

	registered interest
	date	08/03/2018
	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, which organisations Serco signposts Support for Mortgage Interest claimants to for advice on deciding whether to take out a loan from her Department to replace the benefit they are currently receiving; and whether such organisations are able to offer financial advice on taking out a loan.
	tabling member constituency	Wirral West
	tabling member printed	Margaret Greenwood
	uin	131705
	answer	answer is ministerial correction date of answer 13/03/2018 answer text <p>All existing recipients of Support for Mortgage Interest will be contacted and given information about the changes. The information leaflet and Frequently Asked Questions booklet point claimants to organisations who can offer impartial, free support. These include Money Advice Service, Shelter and Citizens Advice Bureau. These organisations do not offer regulated financial advice, however they can support claimants to understand the options available to them.</p> answering member constituency North West Hampshire answering member printed Kit Malthouse question first answered 13/03/2018 17:10:35 answering member 4495 label Biography information for Kit Malthouse
	tabling member	4400 label Biography information for Margaret Greenwood