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

Universal Credit (UC) housing costs element 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.

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't get the housing costs element to help with mortgage payments, but you might be able to get it for ground rent and service charges. Homeowners might be able to get help with mortgage 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.  

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

 

Administered by: Department for Work and Pensions

 

Updated: April 2019

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