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Forum Home  →  Discussion  →  Universal credit migration  →  Thread

Mortgae insurance paid in IS - will it still be paid if migrates to UC

Prisca
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benefits section (training & accuracy) Bristol city council

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Total Posts: 205

Joined: 20 August 2015

Hi - have a customer, , income is IS, Carers, CTC -  youngest child is 16 and gets DLA.
Income Support currently pay approx £150 pcm to mortgage company for mortgage interest - would her UC award include a mortgage interest payment or similar immediately if she a) got a migration notice orb) claimed UC before any migration notice?

I thought all DWP interst payments were treated as loans now but customer not sure as been on IS/ getting mortgage interest for approx 13 years

Paul_Treloar_AgeUK
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Information and advice resources - Age UK

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Joined: 7 January 2016

Your client should be told that any payments towards their mortgage are definitely in the form of a loan now and so should possibly check with DWP how much they owe on top of their outstanding mortgage - this changed in 2018 for everyone without exception so the fact of having been on IS for a longer period isn’t relevant as far as I can see.

I think the SMI loan should just port across as these are made under dedicated regulations that apply across all affected benefits https://www.legislation.gov.uk/uksi/2017/725/made