{
  "url": "https://openlegislation.uk/welfare-reform-and-work-act-2016/section-18",
  "json_url": "https://openlegislation.uk/welfare-reform-and-work-act-2016/section-18.json",
  "legislation": "ukpga/2016/7",
  "legislation_title": "Welfare Reform and Work Act 2016",
  "legislation_url": "https://openlegislation.uk/welfare-reform-and-work-act-2016",
  "path": "section/18",
  "kind": "section",
  "number": "18",
  "heading": "Loans for mortgage interest etc",
  "text": "(1) The Secretary of State 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) Regulations under subsection (2) 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 period prescribed by the regulations.\n(4) The regulations may make provision about the liabilities in respect of which a loan under the regulations may be made.\n(5) Regulations under subsection (4) 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 purposes prescribed by the regulations.\n(6) Regulations under subsection (4) 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 or, in Scotland, by a heritable security.\n(8) The regulations may define “owner-occupier payment”.\n(9) Regulations under this section may make different provision for different purposes.\n(10) Regulations under this section must be made by statutory instrument.\n(11) A statutory instrument containing regulations under this section is subject to annulment in pursuance of a resolution of either House of Parliament.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "I",
      "label": "I1",
      "text": "S. 18 in force at 3.4.2017 by S.I. 2017/111, reg. 3(d)"
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/ukpga/2016/7/section/18",
    "retrieved_at": "2026-10-29T09:06:30.502709+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."
}