Question to the Department for Work and Pensions:

To ask His Majesty's Government what plans they have to act on the findings of the Impact Assessment of Support for Mortgage Interest Loans, published in May 2025, including those relating to the experiences and outcomes of disabled claimants and other protected groups.

Since its introduction in April 2018, my Department has kept the Support for Mortgage Interest (SMI) loan scheme under review. As a result of this, improvements to the scheme were introduced in 2021 and in 2023. The first of these allowed loans to be ‘ported’ to a new property rather than be repaid. This was primarily aimed at disabled recipients who may need to move home due to changes in their disability requirements.

The research published in May 2025 concluded SMI had the intended impact on recipients, to reduce arrears and repossessions. There are no current plans to introduce further changes.