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Universal Credit (UC) housing costs element - What is the Universal Credit (UC) housing costs element?

Find out more about the Universal Credit housing costs element.

What is the Universal Credit (UC) housing costs element?

This money is to help you with your housing costs.

It can help with rent and some service charges if you are a tenant.

If you are a homeowner you can receive help with your mortgage interest payments in the form of a Support for Mortgage Interest Loan.  Interest will be charged on the loans.  Loans will be repaid upon the sale of a claimant’s house; or on transfer of ownership of the property. Read our Support for Mortgage Interest Loan guide for more information.  Owner-occupiers can still receive help with some service charges and ground rent through the housing cost element of Universal Credit.

Applies to: England, Scotland, Wales, and Northern Ireland


Administered by: Department for Work and Pensions


Updated: April 2018

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