{
  "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017",
  "json_url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017.json",
  "id": "uksi/2017/725",
  "title": "The Loans for Mortgage Interest Regulations 2017",
  "short_title": "Loans for Mortgage Interest 2017",
  "long_title": "These Regulations make provision for the Secretary of State to make loan payments to claimants of income-related employment and support allowance, income support, income-based jobseeker’s allowance, state pension credit or universal credit (referred to as “qualifying benefits”) or, if applicable, direct to the claimant’s mortgage lender, in respect of the claimant’s liability to make owner-occupier payments (principally mortgage interest) on the claimant’s home.",
  "citation": "S.I. 2017/725",
  "type": "uksi",
  "year": "2017",
  "number": "725",
  "version": "current",
  "date": "2017-07-05",
  "revised": true,
  "valid_from": "2023-04-03",
  "extent": null,
  "unapplied_effects": 0,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/introduction",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation and commencement",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-1",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "Interpretation",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-2",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "The offer of loan payments",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-3",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/4",
      "kind": "regulation",
      "number": "4",
      "heading": "Acceptance of loan payments offer",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-4",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/5",
      "kind": "regulation",
      "number": "5",
      "heading": "Conditions to meet before the loan payments can be made",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-5",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/6",
      "kind": "regulation",
      "number": "6",
      "heading": "Information condition",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-6",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/7",
      "kind": "regulation",
      "number": "7",
      "heading": "Time of each loan payment",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-7",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/8",
      "kind": "regulation",
      "number": "8",
      "heading": "Period covered by loan payments",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-8",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/9",
      "kind": "regulation",
      "number": "9",
      "heading": "Duration of loan payments",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-9",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/10",
      "kind": "regulation",
      "number": "10",
      "heading": "Calculation of each loan payment",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-10",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/11",
      "kind": "regulation",
      "number": "11",
      "heading": "Calculation in respect of qualifying loans",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-11",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/12",
      "kind": "regulation",
      "number": "12",
      "heading": "Calculation in respect of alternative finance payments",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-12",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/13",
      "kind": "regulation",
      "number": "13",
      "heading": "Standard rate to be applied under regulations 11 and 12",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-13",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/14",
      "kind": "regulation",
      "number": "14",
      "heading": "Non-dependant deductions",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-14",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/14A",
      "kind": "regulation",
      "number": "14A",
      "heading": "Insurance payment deduction",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-14A",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/15",
      "kind": "regulation",
      "number": "15",
      "heading": "Interest",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-15",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/16",
      "kind": "regulation",
      "number": "16",
      "heading": "Repayment",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-16",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/16A",
      "kind": "regulation",
      "number": "16A",
      "heading": "Transferring the loan between properties",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-16A",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/17",
      "kind": "regulation",
      "number": "17",
      "heading": "Direct payments to qualifying lenders",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-17",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/18",
      "kind": "regulation",
      "number": "18",
      "heading": "Consequential amendments",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-18",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/19",
      "kind": "regulation",
      "number": "19",
      "heading": "Transitional provision: loan offer made before 6th April 2018",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-19",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/19A",
      "kind": "regulation",
      "number": "19A",
      "heading": "Transitional provision: loan offer made on or after 6th April 2018",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-19A",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/20",
      "kind": "regulation",
      "number": "20",
      "heading": "Transitional provision: persons who lack capacity or may lack capacity identified before 6th April 2018",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-20",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/21",
      "kind": "regulation",
      "number": "21",
      "heading": "Transition from legacy benefit to universal credit",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-21",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/22",
      "kind": "regulation",
      "number": "22",
      "heading": "Delegation",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/regulation-22",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/signature",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "schedule/1",
      "kind": "schedule",
      "number": "1",
      "heading": "Meaning of owner-occupier payments",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "schedule/1/part/1",
      "kind": "part",
      "number": "1",
      "heading": "Legacy benefit claimants and SPC claimants",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "schedule/1"
    },
    {
      "path": "schedule/1/paragraph/1",
      "kind": "paragraph",
      "number": "1",
      "heading": "Application of Part 1",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-1/paragraph-1",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/1"
    },
    {
      "path": "schedule/1/paragraph/2",
      "kind": "paragraph",
      "number": "2",
      "heading": "Payments of interest on qualifying loans and alternative finance payments",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-1/paragraph-2",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/1"
    },
    {
      "path": "schedule/1/paragraph/3",
      "kind": "paragraph",
      "number": "3",
      "heading": "Loans incurred during relevant period",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-1/paragraph-3",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/1"
    },
    {
      "path": "schedule/1/part/2",
      "kind": "part",
      "number": "2",
      "heading": "UC claimants",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "schedule/1"
    },
    {
      "path": "schedule/1/paragraph/4",
      "kind": "paragraph",
      "number": "4",
      "heading": "Application of Part 2",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-1/paragraph-4",
      "extent": null,
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      "parent": "schedule/1/part/2"
    },
    {
      "path": "schedule/1/paragraph/5",
      "kind": "paragraph",
      "number": "5",
      "heading": "Payments of interest on loans and alternative finance payments",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-1/paragraph-5",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/2"
    },
    {
      "path": "schedule/2",
      "kind": "schedule",
      "number": "2",
      "heading": "Circumstances in which a claimant is, or is to be treated as, liable to make owner-occupier payments",
      "url": null,
      "extent": null,
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      "parent": null
    },
    {
      "path": "schedule/2/part/1",
      "kind": "part",
      "number": "1",
      "heading": "Legacy benefit claimants and SPC claimants",
      "url": null,
      "extent": null,
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      "parent": "schedule/2"
    },
    {
      "path": "schedule/2/paragraph/1",
      "kind": "paragraph",
      "number": "1",
      "heading": "Application of Part 1",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-2/paragraph-1",
      "extent": null,
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      "parent": "schedule/2/part/1"
    },
    {
      "path": "schedule/2/paragraph/2",
      "kind": "paragraph",
      "number": "2",
      "heading": "Liable or treated as liable to make payments",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-2/paragraph-2",
      "extent": null,
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      "parent": "schedule/2/part/1"
    },
    {
      "path": "schedule/2/paragraph/3",
      "kind": "paragraph",
      "number": "3",
      "heading": "Treated as not liable to make payments",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-2/paragraph-3",
      "extent": null,
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      "parent": "schedule/2/part/1"
    },
    {
      "path": "schedule/2/part/2",
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      "heading": "UC claimants",
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      "extent": null,
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      "parent": "schedule/2"
    },
    {
      "path": "schedule/2/paragraph/4",
      "kind": "paragraph",
      "number": "4",
      "heading": "Application of Part 2",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-2/paragraph-4",
      "extent": null,
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      "parent": "schedule/2/part/2"
    },
    {
      "path": "schedule/2/paragraph/5",
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      "heading": "Liable or treated as liable to make payments",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-2/paragraph-5",
      "extent": null,
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      "parent": "schedule/2/part/2"
    },
    {
      "path": "schedule/2/paragraph/6",
      "kind": "paragraph",
      "number": "6",
      "heading": "Treated as not liable to make payments",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-2/paragraph-6",
      "extent": null,
      "status": null,
      "parent": "schedule/2/part/2"
    },
    {
      "path": "schedule/3",
      "kind": "schedule",
      "number": "3",
      "heading": "Circumstances in which a claimant is, or is to be, treated as occupying accommodation",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "schedule/3/part/1",
      "kind": "part",
      "number": "1",
      "heading": "General",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "schedule/3"
    },
    {
      "path": "schedule/3/paragraph/1",
      "kind": "paragraph",
      "number": "1",
      "heading": "Interpretation",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-1",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/1"
    },
    {
      "path": "schedule/3/part/2",
      "kind": "part",
      "number": "2",
      "heading": "Legacy benefit claimants and SPC claimants",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "schedule/3"
    },
    {
      "path": "schedule/3/paragraph/2",
      "kind": "paragraph",
      "number": "2",
      "heading": "Application of Part 2",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-2",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/2"
    },
    {
      "path": "schedule/3/paragraph/3",
      "kind": "paragraph",
      "number": "3",
      "heading": "Occupying accommodation: general rule",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-3",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/2"
    },
    {
      "path": "schedule/3/paragraph/4",
      "kind": "paragraph",
      "number": "4",
      "heading": "Full-time study",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-4",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/2"
    },
    {
      "path": "schedule/3/paragraph/5",
      "kind": "paragraph",
      "number": "5",
      "heading": "Living in other accommodation during essential repairs",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-5",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/2"
    },
    {
      "path": "schedule/3/paragraph/6",
      "kind": "paragraph",
      "number": "6",
      "heading": "Living in other accommodation due to fear of violence, where a claimant’s partner is a full-time student or where moving into new accommodation",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-6",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/2"
    },
    {
      "path": "schedule/3/paragraph/7",
      "kind": "paragraph",
      "number": "7",
      "heading": "Moving in delayed for certain reasons",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-7",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/2"
    },
    {
      "path": "schedule/3/paragraph/8",
      "kind": "paragraph",
      "number": "8",
      "heading": "Temporary absence to try new accommodation of up to 13 weeks",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-8",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/2"
    },
    {
      "path": "schedule/3/paragraph/9",
      "kind": "paragraph",
      "number": "9",
      "heading": "Temporary absence of up to 13 weeks",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-9",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/2"
    },
    {
      "path": "schedule/3/paragraph/10",
      "kind": "paragraph",
      "number": "10",
      "heading": "Absences for certain reasons up to 52 weeks",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-10",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/2"
    },
    {
      "path": "schedule/3/part/3",
      "kind": "part",
      "number": "3",
      "heading": "UC claimants",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "schedule/3"
    },
    {
      "path": "schedule/3/paragraph/11",
      "kind": "paragraph",
      "number": "11",
      "heading": "Application of Part 3",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-11",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/3"
    },
    {
      "path": "schedule/3/paragraph/12",
      "kind": "paragraph",
      "number": "12",
      "heading": "Occupying accommodation: general rule",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-12",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/3"
    },
    {
      "path": "schedule/3/paragraph/13",
      "kind": "paragraph",
      "number": "13",
      "heading": "Living in other accommodation due to essential repairs",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-13",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/3"
    },
    {
      "path": "schedule/3/paragraph/14",
      "kind": "paragraph",
      "number": "14",
      "heading": "Moving homes: adaptations to new home for disabled person",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-14",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/3"
    },
    {
      "path": "schedule/3/paragraph/15",
      "kind": "paragraph",
      "number": "15",
      "heading": "Living in other accommodation due to fear of violence",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-15",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/3"
    },
    {
      "path": "schedule/3/paragraph/16",
      "kind": "paragraph",
      "number": "16",
      "heading": "Moving in delayed by adaptations to accommodation to meet needs of disabled person",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-16",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/3"
    },
    {
      "path": "schedule/3/paragraph/17",
      "kind": "paragraph",
      "number": "17",
      "heading": "Moving into accommodation following a stay in hospital or care home",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-17",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/3"
    },
    {
      "path": "schedule/3/paragraph/18",
      "kind": "paragraph",
      "number": "18",
      "heading": "Temporary absence exceeding 6 months",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-3/paragraph-18",
      "extent": null,
      "status": null,
      "parent": "schedule/3/part/3"
    },
    {
      "path": "schedule/4",
      "kind": "schedule",
      "number": "4",
      "heading": "Direct payments to qualifying lenders",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "schedule/4/paragraph/1",
      "kind": "paragraph",
      "number": "1",
      "heading": "Direct payments",
      "url": "https://openlegislation.uk/loans-for-mortgage-interest-regulations-2017/schedule-4/paragraph-1",
      "extent": null,
      "status": null,
      "parent": "schedule/4"
    },
    {
      "path": "schedule/4/paragraph/2",
      "kind": "paragraph",
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