Sorry me again I’m on both contributions rate and income related ESA. When I move in with partner we will be having a mortgage. I know I will lose the income related element but I assume because I’m on ESA contributions and income related I would able to apply for an SMI loan to help pay mortgage interest? If so, our mortgage rate is to be 4.89% and if DWP only pays 2.61% for SMI would our mortgage interest rate effectively be just 2.2%?
