Employment and Support Allowance (ESA)
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Mortgage support

L_i_s_aL_i_s_a Member Posts: 1 Listener
Hi, I would like some help or advice please!
I currently have a mortgage (on my own).
I always kept up with all payment but after losing my job, (teaching/behaviour) in 2015, due to illness and disability. I struggled badly! I have endometriosis, adenomyosis, fibromyalgia, severe depression, amongst other problems. Anyway eventually a lady from the job centre helped me get organised with claiming esa and pip.
I would please like to know if there is anyone else or advise about the mortgage for support ending in April.
This has been a life and home saver, they have been paying my interest on my mortgage for a little over a year. But I have been informed that this benefit is ending in April 2018. 
Help! I don't know what to do! I don't want to loose my home!

Replies

  • CockneyRebelCockneyRebel Member Posts: 5,257 Disability Gamechanger
    Hello Lisa and welcome

    You should receive a letter explaining your options. The benefit is changing to a loan but you should get f2f advice from CAB or similar

    CR
    Be all you can be, make  every day count. Namaste
  • Sam_AlumniSam_Alumni Scope alumni Posts: 7,731 Disability Gamechanger
    @Debbie_Scope can you help at all?

    There is a lot of Info about SMI in this post, take a look through.
    Scope
    Senior online community officer
  • Debbie_ScopeDebbie_Scope Member Posts: 947 Pioneering
    Hi @L_i_s_a,

    You're right SMI is a life and home saver and it sounds as though it's really helped you since you fell ill.
    The benefit will change to a loan and a charge will be placed on your property. The loan isn't repayable until the property is sold or you're able to return to work. 

    I hope you've found the other discussions on this topic helpful so far. If you need more in-depth advice feel free to get in touch with me at the helpline.

    Best wishes
    Debbie
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