Financial support for homeowners who are having difficulty in meeting their mortgage payments is provided through the benefits system. Help is available towards the interest on mortgages (known as Support for Mortgage Interest) as part of income support, income-based jobseeker's allowance, and income-related employment and support allowance and state pension credit.
Support for Mortgage Interest was available through supplementary benefit which was replaced by income support in 1988. A complete series of quality assured data is not available before August 1997.
The available information is in the table:
|Income support, income-based jobseekers allowance and state pension credit claimants who are receiving assistance under the Support for Mortgage Interest Scheme in the west midlands|
|Quarter||Total support for Mortgage Interest population in west midlands|
1. Figures have been rounded to the nearest hundred.
2. Figures have been up-rated using 5 per cent. proportions against 100 per cent. Work and Pensions Longitudinal Study totals.
3. The quarter November 2007 is unavailable.
4. The quarter February 2000 is unavailable.
5. Employment and support allowance was introduced in October 2008. No estimate is available yet for the number of employment and support allowance (income-related) cases.
6. The best statistics on benefits are now derived from 100 per cent data sources. However, the 5 per cent. sample data still provide some detail not yet available from the 100 per cent. data sources. In this case reliable data for mortgage interest support are not available from the 100 per cent. data so the 5 per cent data have been used. The latest of which is August 2009.
7. Pension Credit was introduced on 6 October 2003 and replaced minimum income guarantee (income support for people aged 60 or over). The vast majority of people who were previously in receipt of the minimum income guarantee transferred to pension credit in October 2003. Residual minimum income guarantee cases are included in the income support figures.
8. Pension credit is claimed on a household basis and therefore the number of people that pension credit helps is the number of claimants in addition to the number of partners for whom they are also claiming.
Department for Work and Pensions, Information Directorate, 5 per cent. Quarterly Statistical Enquiry Data, Work and Pensions Longitudinal Study