Query re: Support for Mortgage Interest (SMI)

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Hope I am posting on the correct board?
My son who is disabled has been approached by the government Universal Credit department about the above.
My son and his partner do have a mortgage and thus I assume have been contacted as result of this and of course that he receives Universal Credit.
I do not have a great understanding of government benefits as I worked all my life and never had to need them, so if any one can help with this query I would be very grateful.
I have read the government info on the web and it appears that you get help with mortgage interest now and if/when you die/sell your property the government claim back monies using a formula based on interest which can/does vary during the time you have the loan.
Please correct me if I have misunderstood any of the above.
My son and his partner are currently 'managing' with standard benefit payments and my inclination is to advise them to carry on with their standard benefit payments and to turn down the offer of entering this scheme.
I am hesitant on embarking on a scheme where the interest rates can vary, believing that as anything with interest it can alter a lot.
Any advice or correction on the above would be very welcome.
Thank you for any/all replies
My son who is disabled has been approached by the government Universal Credit department about the above.
My son and his partner do have a mortgage and thus I assume have been contacted as result of this and of course that he receives Universal Credit.
I do not have a great understanding of government benefits as I worked all my life and never had to need them, so if any one can help with this query I would be very grateful.
I have read the government info on the web and it appears that you get help with mortgage interest now and if/when you die/sell your property the government claim back monies using a formula based on interest which can/does vary during the time you have the loan.
Please correct me if I have misunderstood any of the above.
My son and his partner are currently 'managing' with standard benefit payments and my inclination is to advise them to carry on with their standard benefit payments and to turn down the offer of entering this scheme.
I am hesitant on embarking on a scheme where the interest rates can vary, believing that as anything with interest it can alter a lot.
Any advice or correction on the above would be very welcome.
Thank you for any/all replies
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It's reassuring that your opinions on this scheme echo my own.
I've just spoken to my son and advised him against signing up for it, that was his initial reaction, but he wanted to run it past his old Dad.