the conditions for getting the loan were fulfilled, then the payment is not made right away it takes 39 weeks from the time when the Support for Mortgage Interests was claimed. There is only one exception, when the person is getting Pension Credit, in this particular case help is provided immediately. The waiting period is interrupted in the case when a person gets any paid job. Amount of Money The government can pay the interest up to £200,000 of the mortgage (but if the person is on the Pension Credit then up to £100,000). A standard interest rate is used by the government to calculate the amount of the money by which it will help, that means that the government´s interest rate might differ from the interest rate on the mortgage. The payments will always be made to mortgage lenders directly. The SMI only covers the interest rate of the mortgage, not the actual amount that was borrowed. Time Limits There are certain conditions that can help to find out for how long person can get the SMI: if Jobseekers Allowance is claimed, then it can be expected to get SMI up to 2 years if a person gets one of the following supports, Income-related Employment and Support Allowance, Income Support, Pension Credit or Universal Credit, the limit for how long SMI can be claimed does not exist if SMI is given as a benefit, then the amount that has already been received does not have to be repaid Repayments Various cases may occur when a person considers repaying an SMI loan. Here are some life examples to evaluate the situation properly: the SMI loan needs to be repaid till the death of the person that has the loan when the person moves from the house to which the loan is tied to, to another house and do not transfer the loan to the new property then the loan has to be repaid when the person that has an SMI loan dies but a civil partner or spouse inherit the house to which the loan is tied to, then it can be repaid till their death when the house, to which SMI loan was tied to, was sold but the money from the sale is not enough to cover the loan, then the amount left of the loan that money from the sale could not cover will be written off