Universal Credit: Children
The question
To ask the Secretary of State for Work and Pensions, what assessment his Department has made of the adequacy of support available to homeowners with children who are claiming Universal Credit, in the context of the difference between non‑repayable housing support for renters and loan‑based Support for Mortgage Interest for homeowners.
Answered by Sir Stephen Timms
The situations of homeowners and renters are not directly comparable. If a tenant does not pay their rent, they face the real possibility of eviction. Homeowners have more flexibility to negotiate repayments with their lenders during periods of financial difficulty, and their mortgage payments allow them to acquire a significant asset.
The help homeowners, with or without children, can receive towards their mortgage payments is designed to provide a level of support that protects them from the threat of repossession. We have broad agreement with the lending industry that the support we provide is sufficient to achieve this aim.
The department has recently published research looking at the impact and effectiveness of Support for Mortgage Interest (SMI) loans. This is available here: Impact Assessment of Support for Mortgage Interest loans and was published on 6th May 2025.
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