I need urgent SMI advice mortgage help scheme

Hi @happyman this isn't something I'm very familiar with but I did find some information that says the payments to your lender can be backdated to the date you applied for it. I also found this which says:

"Claimants can choose to backdate their SMI loan to any date they were eligible, aslong as they have served their qualifying period. As SMI is a loan, they may not wishto receive a backdated payment. Claimants may wish to check with their lender before choosing to receive backdated SMI payments, as some lenders may charge a penalty for early repayment."

I wouldn't feel confident in offering any advice on this, but I hope this information is useful. Hopefully our members may have personal experience of this.