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1143137

registered interest
date	02/09/2019
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, how many Support for Mortgage Interest loans are attached to current universal Credit claims.
tabling member constituency	Birkenhead
tabling member printed	Frank Field
uin	284578
answer	answer is ministerial correction date of answer 06/09/2019 answer text <p>Some homeowners in receipt of Universal Credit, along with other qualifying benefits, may be able to get help towards interest payments on their mortgage or loans taken out for certain repairs and improvements to their home. This help is called Support for Mortgage Interest (SMI). Assistance is paid as a loan normally paid direct to the lender, which needs to be repaid with interest when a home is sold or ownership is transferred.</p><p> </p><p>There were 450 households on Universal Credit on 13th June 2019 that were in receipt of SMI loan payments.</p><p> </p><p><strong>Note:</strong></p><ol><li>Figures have been rounded to the nearest 10.</li></ol> answering member constituency Colchester answering member printed Will Quince question first answered 06/09/2019 13:28:48 answering member 4423 label Biography information for Will Quince
tabling member	478 label Biography information for Lord Field of Birkenhead

1143138

registered interest
date	02/09/2019
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, how many Support for Mortgage Interest Loans have been repaid since April 2018.
tabling member constituency	Birkenhead
tabling member printed	Frank Field
uin	284563
answer	answer is ministerial correction date of answer 09/09/2019 answer text <p>Since 1 April 2018 there have been 647 Support for Mortgage Interest Loans repaid in Great Britain and 36 have been repaid in Northern Ireland.</p> answering member constituency Colchester answering member printed Will Quince question first answered 09/09/2019 11:08:14 answering member 4423 label Biography information for Will Quince
tabling member	478 label Biography information for Lord Field of Birkenhead

1131397

registered interest
date	11/06/2019
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, what support his Department provides for disabled individuals who need to move due to the changing nature of their disabilities but may be prevented from doing so due to the recovery of a Support for Mortgage loan.
tabling member constituency	Stevenage
tabling member printed	Stephen McPartland
uin	263148
answer	answer is ministerial correction date of answer 17/06/2019 answer text <p>Over time someone’s house is likely to increase in value, so it is reasonable to expect those who have received taxpayers’ help towards their mortgage to repay from the equity released when the property is sold. However, the repayment of the loan should not be a barrier to people improving their lives. We have considered this and I am pleased to announce that we will be introducing the option for home-owners to defer repayment of their SMI loan when moving to a new home. This means that claimants who need to move, for example, because of the changing nature of a disability or for better career opportunities, are not prevented from doing so. These new arrangements require changes to regulations which I will bring forward as soon as the Parliamentary timetable allows.</p> answering member constituency Colchester answering member printed Will Quince question first answered 17/06/2019 09:30:14 answering member 4423 label Biography information for Will Quince
tabling member	4093 label Biography information for Stephen McPartland

1128350

registered interest
date	22/05/2019
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, what support her Department provides to people with a support for mortgage interest loan (SMI) who need to move house but are unable to do so due to having an SMI loan secured on their property.
tabling member constituency	Stevenage
tabling member printed	Stephen McPartland
uin	257581
answer	answer is ministerial correction date of answer 05/06/2019 answer text <p>Owner-occupiers possess a valuable capital asset which may increase in value over time. It is reasonable to ask claimants who receive help towards the costs of this asset to repay that when they are able to. Most SMI claimants already have significant equity accrued upon take-up of an SMI loan and those with an SMI loan secured against their property are likely to continue accruing value beyond the repayment of an SMI loan, facilitating a move if necessary.</p> answering member constituency Colchester answering member printed Will Quince question first answered 05/06/2019 16:07:13 answering member 4423 label Biography information for Will Quince
tabling member	4093 label Biography information for Stephen McPartland

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

1007131

registered interest
date	14/11/2018
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 9 October 2018 to Question 174049, (a) what data is available on the number of people in receipt of Support for Mortgage Interest before April 2018 that continue to receive that benefit and (b) how her Department defines the term vulnerable in relation to that support.
tabling member constituency	Newcastle upon Tyne North
tabling member printed	Catherine McKinnell
uin	191413
answer	answer is ministerial correction date of answer 19/11/2018 answer text <p>Data on the number of people in receipt of Support for Mortgage Interest before April 2018 that continue to receive that benefit is not available.</p><p> </p><p>For the purposes of Support for Mortgage Interest a vulnerable claimant is defined as a claimant who lacks the mental capacity to make a financial decision about whether or not to take the SMI Loan.</p><p> </p> answering member constituency North Swindon answering member printed Justin Tomlinson question first answered 19/11/2018 16:06:22 answering member 4105 label Biography information for Justin Tomlinson
tabling member	4125 label Biography information for Catherine McKinnell

984765

registered interest
date	10/10/2018
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 estimate she has made of the number of occasions the time taken to authorise payment following an application for a Support for Mortgage Interest loan has exceeded her Departmental expectation of two weeks.
tabling member constituency	Weaver Vale
tabling member printed	Mike Amesbury
uin	177818
answer	answer is ministerial correction date of answer 15/10/2018 answer text <p>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><p>The Department determines that 6 weeks is a sufficient time period for claimants to make a decision whether to take up the offer of an SMI loan. The Department ask that the loan agreement and charge form are returned as soon reasonably possible to enable them to be processed efficiently. A reminder is sent out after six weeks if the documents have not been received. Claimants may change their mind whether to take or decline a loan at any time.</p><p> </p><p>Returned forms are checked for accuracy, and if correctly completed we would expect that, in the majority of cases, SMI Loan payments would be authorised within two weeks but this is dependent upon claimants benefit pay cycle.</p><p> </p><p>The Department does not hold the data requested regarding how often payments are authorised within two weeks.</p> answering member constituency North Swindon answering member printed Justin Tomlinson question first answered 15/10/2018 13:52:59 answering member 4105 label Biography information for Justin Tomlinson
tabling member	4667 label Biography information for Mike Amesbury

972365

registered interest
date	12/09/2018
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, how many people in receipt of Support for Mortgage Interest before April 2018 continue to receive that benefit.
tabling member constituency	Newcastle upon Tyne North
tabling member printed	Catherine McKinnell
uin	174049
answer	answer is ministerial correction date of answer 09/10/2018 answer text <p>Support for Mortgage Interest was converted from a benefit into a loan from April 2018. A small number of vulnerable claimants continue to receive Support for Mortgage Interest benefit as transitional protection. Information on how many is not available.</p><p><strong> </strong></p> answering member constituency North Swindon answering member printed Justin Tomlinson question first answered 09/10/2018 14:20:57 answering member 4105 label Biography information for Justin Tomlinson
tabling member	4125 label Biography information for Catherine McKinnell

972366

registered interest
date	12/09/2018
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 the average length of time is for a Support for Mortgage Interest payment to be transferred to a loan.
tabling member constituency	Newcastle upon Tyne North
tabling member printed	Catherine McKinnell
uin	174050
answer	answer is ministerial correction date of answer 09/10/2018 answer text <p>Before being offered an SMI 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><p>The Department determines that a minimum of 6 weeks is given for claimants to make a decision whether to take up the offer of an SMI loan. The Department ask that the loan agreement and charge form are returned soon as reasonably possible to enable them to be processed efficiently. A reminder is sent out after six weeks if the documents have not been received. Claimants may change their mind whether to take or decline a loan at any time.</p><p> </p><p>Returned forms are checked for accuracy, and if correctly completed we would expect that, in the majority of cases, SMI Loan payments would be authorised within two weeks.</p><p> </p><p> </p> answering member constituency North Swindon answering member printed Justin Tomlinson question first answered 09/10/2018 15:04:23 answering member 4105 label Biography information for Justin Tomlinson
tabling member	4125 label Biography information for Catherine McKinnell

927804

registered interest
date	20/06/2018
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 the average payment of Support for Mortgage Interest to an individual was in 2017-18.
tabling member constituency	Lanark and Hamilton East
tabling member printed	Angela Crawley
uin	155856
answer	answer is ministerial correction date of answer 28/06/2018 answer text <p>The Department has not yet collated statistics for the entirety of 2017/18 on payments for Support for Mortgage Interest (SMI); however, based on the first three quarters of that year, the Department estimates that the average payment of SMI per claim was around £28 per week.</p> answering member constituency North West Hampshire answering member printed Kit Malthouse question first answered 28/06/2018 13:49:34 answering member 4495 label Biography information for Kit Malthouse
tabling member	4469 label Biography information for Angela Crawley