The Loans for Mortgage Interest Regulations 2017

(5) For the purposes of these Regulations, a person being treated as entitled to a benefit has the meaning given to it in regulation 2(2)(aa) of the Loans for Mortgage Interest Regulations 2017.

• (3) In regulation 5 (entitlement), in paragraph (2)—

• (a) omit “or” between sub-paragraphs (f) and (g);

• (b) after sub-paragraph (g) insert—

; or (h) owner-occupier loan payments and is treated as entitled to a benefit specified in sub-paragraphs (a) to (c) and (f).

• (4) In regulation 7 (funeral payments: entitlement), in paragraph (4)(a)—

• (a) omit “or” between sub-paragraphs (viii) and (ix);

• (b) after sub-paragraph (ix) insert—

; or (x) owner-occupier loan payments and is treated as entitled to a benefit specified in sub-paragraphs (i) to (iii) and (viii).

10

• (1) The Social Fund Cold Weather Payments (General) Regulations 1988 are amended as follows.

• (2) In regulation 1 (citation, commencement and interpretation), in paragraph (2)—

• (a) in the definition of “claimant” after “universal credit” insert “or who is in receipt of owner-occupier loan payments”;

• (b) in the appropriate place insert—

• “owner-occupier loan payments” means loan payments made under the Loans for Mortgage Interest Regulations 2017;

• (3) In regulation 1A (prescribed description of persons)—

• (a) in paragraph (2)—

• (i) omit “or” between sub-paragraphs (d) and (e);

• (ii) after sub-paragraph (e) insert—

; or (f) owner-occupier loan payments and is treated as entitled to a benefit specified in sub-paragraphs (a) to (d).

• (b) in paragraph (3)—

• (i) in the opening words for “(d) or (e)” substitute “(d), (e) or (f)”;

• (ii) omit “or” between sub-paragraphs (e) and (f);

• (iii) after sub-paragraph (f) insert—

; or (g) where P has been awarded owner-occupier loan payments, P’s applicable amount, if P were entitled to a benefit specified in paragraph (2)(b) to (d), would include one or more of the premiums specified in— (aa) where P is treated as entitled to income support, paragraphs 9 to 14 of Part 3 of Schedule 2 to the General Regulations; (bb) where P is treated as entitled to jobseeker’s allowance, paragraphs 10 to 16 of Part 3 of Schedule 1 to the Jobseeker’s Allowance Regulations 1996; (cc) where P is treated as entitled to employment and support allowance, paragraphs 5 to 7 of Schedule 4 to the Employment and Support Allowance Regulations 2008.

• (c) after paragraph (3) insert—

(3A) In paragraph (3), a person being treated as entitled to a benefit has the meaning given to it in regulation 2(2)(aa) of the Loans for Mortgage Interest Regulations 2017.

PART 2 — Decisions and Appeals

11

• (1) The Social Security and Child Support (Decisions and Appeals) Regulations 1999 are amended as follows.

• (2) In regulation 1 (citation, commencement, application and interpretation), in paragraph (3) in the appropriate places insert—

• “the Loans for Mortgage Interest Regulations” means the Loans for Mortgage Interest Regulations 2017;

• “owner-occupier loan payments” means loan payments made under the Loans for Mortgage Interest Regulations;

• “owner-occupier payments” has the same meaning as in Part 1 of Schedule 1 to the Loans for Mortgage Interest Regulations.

• (3) In regulation 7 (date from which a decision superseded under section 10 takes effect)—

• (a) after paragraph (12) insert—

(12A) Paragraph (12) applies where– (a) the effect of a decision under section 10 is that owner-occupier loan payments are to be made to a claimant in respect of the claimant’s liability to make owner-occupier payments; and (b) that decision could not have been made earlier because information necessary to make that decision, requested otherwise than in accordance with paragraph 8 of Schedule 4 to the Loans for Mortgage Interest Regulations (provision of information), had not been supplied to the Secretary of State by the lender. (12B) Where a claimant is receiving owner-occupier loan payments and there is a reduction in the amount owing in connection with a qualifying loan or alternative finance arrangement (within the meaning in Schedule 1 to the Loans for Mortgage Interest Regulations (meaning of owner-occupier payments)), a decision made under section 10 takes effect— (a) on the first anniversary of the date on which the claimant’s liability to make owner-occupier payments was first met by an owner-occupier loan payment; or (b) where the reduction in the amount owing in connection with a qualifying loan or alternative finance arrangement occurred after the first anniversary of the date referred to in sub-paragraph (a), on the next anniversary of that date following the date of the reduction. (12C) Where a claimant is receiving owner-occupier loan payments, an insurance payment deduction is made under regulation 14A(1) of the Loans for Mortgage Interest Regulations (insurance payment deduction) in relation to any decision under section 8 or 10 and there is a change in the amount of the owner-occupier payments payable— (a) on a qualifying loan or alternative finance arrangement (within the meaning in Schedule 1 to the Loans for Mortgage Interest Regulations (meaning of owner-occupier payments)) to which those payments relate; or (b) on a loan or alternative finance arrangement not so qualifying which is secured on the dwelling occupied as the home to which those payments relate, a decision under section 10 which is made as a result of that change in the amount of the owner-occupier payments payable shall take effect on whichever of the dates referred to in paragraph (12D) is appropriate in the claimant’s case. (12D) The date on which a decision under section 10 takes effect for the purposes of paragraph (12C) is— (a) the date on which the claimant’s liability to make owner-occupier payments is first met by an owner-occupier loan payment; or (b) where the change in the amount of the owner-occupier payments payable occurred after the date referred to in sub-paragraph (a), on the date of the next alteration in the standard rate following the date of that change. (12E) In paragraph (12D), “standard rate” has the same meaning as it has in regulation 13 of the Loans for Mortgage Interest Regulations (standard rate to be applied under regulations 11 and 12). (12F) Paragraph (12G) applies where— (a) a claimant is awarded state pension credit; (b) the claimant or the claimant’s partner has reached pensionable age (within the meaning in section 122(1) of the Contributions and Benefits Act); (c) the claimant is in receipt of owner-occupier loan payments; and (d) after the date from which sub-paragraph (c) applies— (i) a non-dependant (within the meaning in regulation 2(1) of the Loans for Mortgage Interest Regulations) begins to reside with the claimant; or (ii) there has been a change of circumstances in respect of a non-dependant and this reduces the amount of the owner-occupier loan payments. (12G) Where this paragraph applies, a decision made under section 10 shall take effect— (a) where there is more than one change of the kind specified in paragraph (12F)(d) in respect of the same non-dependant within the same 26 week period, 26 weeks after the date on which the first such change occurred; and (b) in any other circumstances, 26 weeks after the date on which a change specified in paragraph (12F)(d) occurred.

• (b) omit paragraphs (13) to (17G) and (18) to (23).

• (4) In regulation 13 (income support and social fund determinations on incomplete evidence), for paragraph (1) substitute—

(1) Where, for the purpose of a decision under section 8 (decisions by Secretary of State) or 10 (decisions superseding earlier decisions)— (a) a determination falls to be made by the Secretary of State in respect of a claimant of income support, state pension credit or employment and support allowance as to— (i) the amount to be included in an owner-occupier loan payment under regulation 10 of the Loans for Mortgage Interest Regulations (calculation of each loan payment); or (ii) what housing costs are to be included in the claimant’s applicable amount (in the case of income support or employment and support allowance) or the claimant’s appropriate minimum guarantee (in the case of state pension credit); and (b) it appears to the Secretary of State that the Secretary of State is not in possession of all of the evidence or information which is relevant for the purposes of such a determination, the Secretary of State shall make the determination on the assumption that the amounts to be included in an owner-occupier loan payment, the claimant’s applicable amount, or the claimant’s appropriate minimum guarantee, as the case may be, are those that can be immediately determined.

• (5) In Schedule 2 (decisions against which no appeal lies), in paragraph 5 for sub-paragraph (u) substitute—

(u) regulation 17(1) (direct payments to qualifying lenders by Secretary of State where specified circumstances met) of the Loans for Mortgage Interest Regulations;

12

• (1) The Universal Credit, Personal Independence Payment, Jobseeker’s Allowance and Employment and Support Allowance (Decisions and Appeals) Regulations 2013 are amended as follows.

• (2) In Schedule 3 (decisions against which no appeal lies), in paragraph 1 omit sub-paragraph (o).

Editorial notes

[^key-107f5c717bbee9c763c1b6ee2d4ec1b3]: Words in reg. 12(5) substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(7)

[^key-10a78266f65c18873237255d195667e0]: Words in reg. 2 substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(2)(d)

[^key-1122075af49057b49d84204698572413]: Word in reg. 2(1) substituted (3.4.2023) by The Loans for Mortgage Interest (Amendment) Regulations 2023 (S.I. 2023/226), regs. 1(1), 2(2)

[^key-1167f8eb88dac047d3da508e332a5faf]: Reg. 16(1)(c) substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(10)(a)

[^key-1ba139f62cc4b656920c14ae4cc2cc27]: Words in reg. 21(2)(c) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(13)(b)(iii)

[^key-239766d7ff9f933b4aa2dd006f0409f6]: Reg. 16A inserted (15.3.2021) by The Loans for Mortgage Interest (Amendment) Regulations 2021 (S.I. 2021/131), regs. 1(b), 2(5)

[^key-356901ffb300ca317d9160bd65888845]: Reg. 15(1)(c) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(9)(a)

[^key-3b361010899a88b850517ba494181ce4]: Reg. 8(1)(e) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(4)(b)

[^key-3b6878ded915f65137486464442066db]: Words in Sch. 1 para. 3(5)(a) substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(14)(a)

[^key-3c85c3f1531bd7e613b2e4ec07c3b2f1]: Reg. 15(1A)(1B) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(9)(b)

[^key-3ce5d4d229ec5c888af7516b27601d16]: Reg. 8(2) substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(4)(c)

[^key-41f7f1f3d792aff695ef37830c7cb7ab]: Words in reg. 2 inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(2)(e)

[^key-442dda13b1f10a186fee9420e3f0809c]: Words in reg. 21(2)(a) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(13)(b)(i)

[^key-444e83f4a28312d058ceddc0d70fafeb]: Words in reg. 21(1)(a)(ii) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(13)(a)(ii)

[^key-4529927cd38e09bfdfb257f0d0a87f6e]: Reg. 9(7)(8) substituted for reg. 9(7) (3.4.2023) by The Loans for Mortgage Interest (Amendment) Regulations 2023 (S.I. 2023/226), regs. 1(1), 2(5)(b)

[^key-4746e861e29da994b843f317cd4c0662]: Words in reg. 2 inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(2)(f)

[^key-487aa61dcae51c1234a725ce02892eee]: Words in Sch. 2 para. 5(3) substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(15)

[^key-4d725b609af577b797662a72cd55be32]: Reg. 18 substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(11)

[^key-4fd87de65ec2f82b02bfdbc0cf5c2379]: Sch. 5 Pt. 2 inserted (5.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(3), 2(18)(e)

[^key-5ae99f5ef30e03883e3c5b0d836330de]: Words in reg. 2 substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(2)(b)

[^key-5e58ed77e23e0e9b5f5a6c364d84938f]: Reg. 8(1)(ba)(bb) inserted (3.4.2023) by The Loans for Mortgage Interest (Amendment) Regulations 2023 (S.I. 2023/226), regs. 1(1), 2(4)(a)(ii)

[^key-5ed81daa1feb8fdf495ed77375291b06]: Reg. 8(1)(c) substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(4)(a)

[^key-641be05560a47420c70c86bb9271150e]: Words in Sch. 1 para. 3(7)(b) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(14)(b)

[^key-71adba1a45f93ffd63a475d1e7221ec1]: Sch. 4 para. 5(3)(a)(b) substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(17)(d)

[^key-73598d30832f5140110954915d0090b6]: Sch. 5 para. 3(g) inserted (5.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(3), 2(18)(d)

[^key-852919337728908d379e5ae120ebe3ba]: Reg. 3(4) omitted (3.4.2023) by virtue of The Loans for Mortgage Interest (Amendment) Regulations 2023 (S.I. 2023/226), regs. 1(1), 2(3)(b)

[^key-87d7b66fe093e7faff8c5c1978b9474b]: Words in reg. 9(3)(a) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(5)(a)

[^key-88b05124364a432ddc18017945cf9ed7]: Words in reg. 2 inserted (15.3.2021) by The Loans for Mortgage Interest (Amendment) Regulations 2021 (S.I. 2021/131), regs. 1(b), 2(2)

[^key-8b58f362202aca14e48faf3aeef944a1]: Reg. 2(2)(aa) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(2)(g)

[^key-90b04fed5a0288860eb63dc9ebc5c537]: Words in reg. 16(1) substituted (15.3.2021) by The Loans for Mortgage Interest (Amendment) Regulations 2021 (S.I. 2021/131), regs. 1(b), 2(4)

[^key-94c73d70384f8945f4b5b2dc0f563f57]: Sch. 5 para. 1(d) inserted (5.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(3), 2(18)(b)

[^key-9569e828c64718ff71e586f18d3f7643]: Words in Sch. 4 para. 1 omitted (6.4.2018) by virtue of The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(17)(a)

[^key-9fa2594d539e99520a242c3a1662742b]: Sch. 5 Pt. 1 heading inserted (5.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(3), 2(18)(a)

[^key-a64705de6b9d6631459e18cc38e44ceb]: Sch. 4 para. 2 substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(17)(b)

[^key-b05ea1dce407a3fc99bf4820df0db2cf]: Words in reg. 2 inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(2)(a)

[^key-ba31efa918aa3f0f6cf66b3bea7617ef]: Regs. 19-20 substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(12)

[^key-bc6873c9322d564e7661b0ee439e22e9]: Words in reg. 21(2)(b) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(13)(b)(ii)

[^key-c2d342c9edc6bd5fd47446d5780e4cbb]: Sch. 4 para. 3 omitted (6.4.2018) by virtue of The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(17)(c)

[^key-cbca6fe126374bbdd405163f3e372b4b]: Words in reg. 8(2) substituted (3.4.2023) by The Loans for Mortgage Interest (Amendment) Regulations 2023 (S.I. 2023/226), regs. 1(1), 2(4)(b)

[^key-cf4b90daa703c72fcd84a5ffeb823f0e]: Words in reg. 3(1) omitted (3.4.2023) by virtue of The Loans for Mortgage Interest (Amendment) Regulations 2023 (S.I. 2023/226), regs. 1(1), 2(3)(a)

[^key-d4e648cbf3209874fbde52d541704bc7]: Words in reg. 15(4) substituted (15.3.2021) by The Loans for Mortgage Interest (Amendment) Regulations 2021 (S.I. 2021/131), regs. 1(b), 2(3)

[^key-d56abdebf9f16eb1e4a9d48c55e36224]: Words in reg. 10 inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(6)

[^key-d582697994ec00a98d361d57b4323415]: Reg. 9(3)(e) omitted (3.4.2023) by virtue of The Loans for Mortgage Interest (Amendment) Regulations 2023 (S.I. 2023/226), regs. 1(1), 2(5)(a)

[^key-dac04a145d9081e4f6a138540cba58a0]: Reg. 7(b) substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(3)

[^key-db8fe8380b4663149fafbbf82aac4fa1]: Words in reg. 8(1)(c) substituted (3.4.2023) by The Loans for Mortgage Interest (Amendment) Regulations 2023 (S.I. 2023/226), regs. 1(1), 2(4)(a)(iii)

[^key-e8d6dae6a53bbb8f9ade713afde336f1]: Sch. 5 paras. 7-10 inserted (5.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(3), 2(18)(e)

[^key-e9cbd670839e80b10e26832f8b17e029]: Sch. 4 para. 6 omitted (3.8.2020) by virtue of The Loans for Mortgage Interest (Transaction Fee) (Amendment) Regulations 2020 (S.I. 2020/666), regs. 1(2), 2

[^key-f207d5d4aca6488f7caa3e36b7785706]: Words in reg. 2 inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(2)(c)

[^key-f30816e79cf40c95eb53ff474f34295e]: Words in reg. 8(1)(b) inserted (3.4.2023) by The Loans for Mortgage Interest (Amendment) Regulations 2023 (S.I. 2023/226), regs. 1(1), 2(4)(a)(i)

[^key-f77bdbe2eee4f71a7e3f838914dfd996]: Reg. 16(3)(aa) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(10)(b)

[^key-f8be72b6a274d0ec2b4b923705949345]: Reg. 14A inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(8)

[^key-f990d83f42c063ab1aa9ea68599ab1bb]: Words in reg. 21(1)(a)(i) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(13)(a)(i)

[^key-fc195898d88576ba77b46315506b6f8c]: Reg. 8(3) inserted (3.4.2023) by The Loans for Mortgage Interest (Amendment) Regulations 2023 (S.I. 2023/226), regs. 1(1), 2(4)(c)

[^key-fde95784ed1f250b95640af74fc49420]: Reg. 15(4A) inserted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(9)(c)

[^M_F_0163f162-77f7-41b4-f481-264e5fea12a1]: Words in Sch. 3 para. 15(3) substituted (15.3.2021) by The Loans for Mortgage Interest (Amendment) Regulations 2021 (S.I. 2021/131), regs. 1(b), 2(6)(b)

[^M_F_50224ca3-b1fd-4bd3-fddd-c233a3bd11de]: Words in Sch. 3 para. 15(1) substituted (15.3.2021) by The Loans for Mortgage Interest (Amendment) Regulations 2021 (S.I. 2021/131), regs. 1(b), 2(6)(a)

[^M_F_8dbf57e6-0a7e-4cbf-bb21-fec7cdf38a94]: Words in Sch. 3 para. 18(2) substituted (6.4.2018) by The Loans for Mortgage Interest and Social Fund Maternity Grant (Amendment) Regulations 2018 (S.I. 2018/307), regs. 1(2), 2(16)

Direct payments to qualifying lenders

Consequential amendments

Transitional provision: loan offer made before 6th April 2018

Transitional provision: loan offer made on or after 6th April 2018

Transitional provision: persons who lack capacity or may lack capacity identified before 6th April 2018

Transition from legacy benefit to universal credit

Delegation