{
  "url": "https://openlegislation.uk/draft-welfare-reform-and-work-northern-ireland-order-2016/article-13",
  "json_url": "https://openlegislation.uk/draft-welfare-reform-and-work-northern-ireland-order-2016/article-13.json",
  "legislation": "ukdsi/2016/9780111148044",
  "legislation_title": "The Welfare Reform and Work (Northern Ireland) Order 2016",
  "legislation_url": "https://openlegislation.uk/draft-welfare-reform-and-work-northern-ireland-order-2016",
  "path": "article/13",
  "kind": "article",
  "number": "13",
  "heading": "Loans for mortgage interest, etc.",
  "text": "(1) The Department may by regulations provide for loans to be made in respect of a person’s liability to make owner-occupier payments in respect of accommodation occupied by the person as the person’s home.\n(2) The regulations may make provision about eligibility to receive a loan under the regulations.\n(3) The regulations may in particular require that a person—\n(a) is entitled to receive income support, income-based jobseeker’s allowance, income-related employment and support allowance, state pension credit or universal credit;\n(b) has received such a benefit for a prescribed period.\n(4) The regulations may make provision about the liabilities in respect of which a loan under the regulations may be made.\n(5) The regulations may in particular provide that a loan under the regulations may only be made if, and to the extent that, a person’s liability to make owner-occupier payments was incurred for prescribed purposes.\n(6) The regulations may in particular make provision about—\n(a) determining or calculating the amount of a person’s liabilities;\n(b) the maximum amount of a person’s liabilities in respect of which a loan under the regulations may be made.\n(7) The regulations may—\n(a) make provision about determining or calculating the amount that may be paid by way of loan under the regulations;\n(b) require that a loan under the regulations be secured by a mortgage of or charge over a legal or beneficial interest in land.\n(8) The regulations may define “owner-occupier payment”.\n(9) Regulations under this Article are subject to negative resolution.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/ukdsi/2016/9780111148044/article/13",
    "retrieved_at": "2026-10-30T15:07:56.138139+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}