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You can apply for Income Support for Mortgage Intrest (ISMI) by filling out the form MI 20 which you will get from the Benefits Agency. Your mortgage lender will have to complete part of the form. The government runs something called a Mortgage Interest Direct Scheme which allows lenders to receive the mortgage interest payments from the government directly. This can only be claimed after 13 weeks of unemployment. Not all mortgage lenders participate in it, however. If yours doesn't, you will receive the money with your benefit payments instead.

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Q: Can you get benefit to help pay mortgage if redundant?
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