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Support with mortgage interest (SMI)

Hi. I’m just looking for some advice regarding SMI. I would like to know other people’s opinions  on the positives (benefits,) and negatives Of claiming SMI. I’m quite far behind on my mortgage, and I’m currently unemployed due to health reasons. I have checked and I do qualify for this benefit. I have researched it myself, but would love feedback/ opinions from others in regards to this benefit entitlement.

thanks in advance.

Lauren.

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