{
  "url": "https://openlegislation.uk/state-pension-credit-regulations-northern-ireland-2003/schedule-2/paragraph-9",
  "json_url": "https://openlegislation.uk/state-pension-credit-regulations-northern-ireland-2003/schedule-2/paragraph-9.json",
  "legislation": "nisr/2003/28",
  "legislation_title": "The State Pension Credit Regulations (Northern Ireland) 2003",
  "legislation_url": "https://openlegislation.uk/state-pension-credit-regulations-northern-ireland-2003",
  "path": "schedule/2/paragraph/9",
  "kind": "paragraph",
  "number": "9",
  "heading": "The standard rate",
  "text": "(1) The standard rate is the rate of interest applicable per annum to a loan which qualifies under this Schedule.\n(2) Subject to the following provisions of this paragraph, the standard rate is to be the average mortgage rate published by the Bank of England in August 2010.\n(2A) The standard rate is to be varied each time that sub-paragraph (2B) applies.\n(2B) This sub-paragraph applies when, on any reference day, the Bank of England publishes an average mortgage rate which differs by 0.5 percentage points or more from the standard rate that applies on that reference day (whether by virtue of sub-paragraph (2) or of a previous application of this sub-paragraph).\n(2C) The average mortgage rate published on that reference day then becomes the new standard rate in accordance with sub-paragraph (2D).\n(2D) Any variation in the standard rate by virtue of sub-paragraphs (2A) to (2C) comes into effect—\n(a) for the purposes of sub-paragraph (2B) (in consequence of its first and any subsequent application), on the day after the reference day referred to in sub-paragraph (2C);\n(b) for the purpose of calculating the weekly amount of housing costs to be met under this Schedule, on the day specified by the Department.\n(2E) In this paragraph—\n“average mortgage rate” means the effective interest rate (non-seasonally adjusted) of United Kingdom resident banks and building societies for loans to households secured on dwellings published by the Bank of England in respect of the most recent period for that rate specified at the time of publication;\n“reference day” means any day falling after 1st October 2010.\n(3) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n(4) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n(5) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n(6) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .",
  "extent": "N.I.",
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Sch. 2 para. 9 substituted (28.11.2004) by The Social Security (Housing Costs Amendments) Regulations (Northern Ireland) 2004 (S.R. 2004/461), regs. 1(1)(a), 4(c)"
    },
    {
      "type": "F",
      "label": "F2",
      "text": "Sch. 2 para. 9(2)-(2E) substituted for Sch. 2 para. 9(2) (coming into force in accordance with reg. 1(2) of the amending Rule) by The Social Security (Housing Costs) (Standard Interest Rate) (Amendment) Regulations (Northern Ireland) 2010 (S.R. 2010/340), regs. 1(2), 2(1)(c)(2)"
    },
    {
      "type": "F",
      "label": "F3",
      "text": "Words in Sch. 2 para. 9(2B) substituted (28.4.2014) by The Social Security (Miscellaneous Amendments) Regulations (Northern Ireland) 2014 (S.R. 2014/105), regs. 1(1), 5(6)"
    },
    {
      "type": "F",
      "label": "F4",
      "text": "Sch. 2 para. 9(3) omitted (5.1.2009) by virtue of The Social Security (Housing Costs Special Arrangements) (Amendment and Modification) Regulations (Northern Ireland) 2008 (S.R. 2008/503), regs. 1(3), 2(1)(c)(2)(b)"
    },
    {
      "type": "F",
      "label": "F5",
      "text": "Sch. 2 para. 9(4)-(6) omitted (17.12.2007) by virtue of The Social Security (Housing Costs and Miscellaneous Amendments) Regulations (Northern Ireland) 2007 (S.R. 2007/475), regs. 1(1), 5(b)"
    },
    {
      "type": "C",
      "label": "C1",
      "text": "Sch. 2 para. 9(2): sums specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2009 (revoked) 2009 (S.R. 2009/89), art. 24(6), Sch. 13"
    },
    {
      "type": "C",
      "label": "C2",
      "text": "Sch. 2 para. 9(2): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2010 (revoked) 2010 (S.R. 2010/118), art. 24(6), Sch. 13"
    },
    {
      "type": "C",
      "label": "C3",
      "text": "Sch. 2 para. 9(2): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2011 (revoked) 2011 (S.R. 2011/119), arts. 1(1)(l), 25(6), Sch. 13"
    },
    {
      "type": "C",
      "label": "C4",
      "text": "Sch. 2 para. 9(2): sum specified (coming into force in accordance with art. 1(1)(l) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2012 (S.R. 2012/116), arts. 1(1)(l), 25(6), Sch. 13"
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    {
      "type": "C",
      "label": "C5",
      "text": "Sch. 2 para. 9(2): sum specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2013 (revoked) 2013 (S.R. 2013/69), arts. 1(1)(k), 24(6), Sch. 13"
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    {
      "type": "C",
      "label": "C6",
      "text": "Sch. 2 para. 9(2): sum specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2014 (revoked) 2014 (S.R. 2014/78), arts. 1(1)(k), 24(6), Sch. 13"
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    {
      "type": "C",
      "label": "C7",
      "text": "Sch. 2 para. 9(2): sum specified (coming into force in accordance with art. 1(1)(k) of the amending Rule) by The Social Security Benefits Up-rating Order (Northern Ireland) 2015 (revoked) 2015 (S.R. 2015/124), arts. 1(1)(k), 24(6), Sch. 13"
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      "affecting": "nisr/2019/58",
      "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 2019 (revoked)"
    },
    {
      "type": "sum substituted",
      "affecting": "nisr/2019/58",
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    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2019/58",
      "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 2019 (revoked)"
    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2019/58",
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    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2019/58",
      "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 2019 (revoked)"
    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2019/58",
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    },
    {
      "type": "sum confirmed",
      "affecting": "nisr/2019/46",
      "affecting_title": "The Social Security (2018 Benefits Up-rating) Order (Northern Ireland) 2019 (revoked)"
    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2019/46",
      "affecting_title": "The Social Security (2018 Benefits Up-rating) Order (Northern Ireland) 2019 (revoked)"
    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2019/46",
      "affecting_title": "The Social Security (2018 Benefits Up-rating) Order (Northern Ireland) 2019 (revoked)"
    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2019/46",
      "affecting_title": "The Social Security (2018 Benefits Up-rating) Order (Northern Ireland) 2019 (revoked)"
    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2019/46",
      "affecting_title": "The Social Security (2018 Benefits Up-rating) Order (Northern Ireland) 2019 (revoked)"
    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2019/46",
      "affecting_title": "The Social Security (2018 Benefits Up-rating) Order (Northern Ireland) 2019 (revoked)"
    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2019/46",
      "affecting_title": "The Social Security (2018 Benefits Up-rating) Order (Northern Ireland) 2019 (revoked)"
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    {
      "type": "sums substituted",
      "affecting": "nisr/2020/40",
      "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 2020 (revoked)"
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    {
      "type": "sum substituted",
      "affecting": "nisr/2020/40",
      "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 2020 (revoked)"
    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2020/40",
      "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 2020 (revoked)"
    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2020/40",
      "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 2020 (revoked)"
    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2020/40",
      "affecting_title": "The Social Security Benefits Up-rating Order (Northern Ireland) 2020 (revoked)"
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    {
      "type": "sums substituted",
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      "type": "sum confirmed",
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    {
      "type": "sums substituted",
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    {
      "type": "sum confirmed",
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    {
      "type": "sum substituted",
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    {
      "type": "sums confirmed",
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    {
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      "type": "sum substituted",
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    {
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    },
    {
      "type": "sum substituted",
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    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2022/231",
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    {
      "type": "sums substituted",
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    },
    {
      "type": "sums substituted",
      "affecting": "nisr/2022/231",
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    },
    {
      "type": "sums substituted",
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    {
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    },
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    },
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      "affecting_title": "Inquiry (Mother and Baby Institutions, Magdalene Laundries and Workhouses) and Redress Scheme Act (Northern Ireland) 2026"
    },
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  ],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/nisr/2003/28/schedule/2/paragraph/9",
    "retrieved_at": "2026-10-29T02:05:09.593277+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."
}