The Loans for Mortgage Interest Regulations (Northern Ireland) 2017
1Citation and commencement
2Interpretation
3The offer of loan payments
4Acceptance of loan payments offer
5Conditions to meet before the loan payments can be made
6Information condition
7Time of each loan payment
8Period covered by loan payments
9Duration of loan payments
10Calculation of each loan payment
11Calculation in respect of qualifying loans
12Calculation in respect of alternative finance payments
13Standard rate to be applied under regulations 11 and 12
14Non-dependant deductions
15Interest
16Repayment
17Direct payments to qualifying lenders
18Consequential amendments
19Transitional provision: existing claimants
20Transitional provision: lack of capacity
21Transition from legacy benefit to universal credit
22Delegation
SCHEDULE 1Meaning of owner-occupier payments
PART 1Legacy benefit claimants and SPC claimants
1Application of Part 1
2Payments of interest on qualifying loans and alternative finance payments
3Loans incurred during relevant period
PART 2UC claimants
4Application of Part 2
5Payments of interest on loans and alternative finance payments
SCHEDULE 2Circumstances in which a claimant is, or is to be treated as, liable to make owner-occupier payments
PART 1Legacy benefit claimants and SPC claimants
1Application of Part 1
2Liable or treated as liable to make payments
3Treated as not liable to make payments
PART 2UC claimants
4Application of Part 2
5Liable or treated as liable to make payments
6Treated as not liable to make payments
SCHEDULE 3Circumstances in which a claimant is, or is to be, treated as occupying accommodation
PART 1General
1Interpretation
PART 2Legacy benefit claimants and SPC claimants
2Application of Part 2
3Occupying accommodation: general rule
4Full-time study
5Living in other accommodation during essential repairs
6Living in other accommodation due to fear of violence, where a claimant’s partner is a full-time student or where moving into new accommodation
7Moving in delayed for certain reasons
8Temporary absence to try new accommodation of up to 13 weeks
9Temporary absence of up to 13 weeks
10Absences for certain reasons up to 52 weeks
PART 3UC claimants
11Application of Part 3
12Occupying accommodation: general rule
13Living in other accommodation due to essential repairs
14Moving homes: adaptations to new homes for disabled person
15Living in other accommodation due to fear of violence
16Moving in delayed by adaptations to accommodation to meet needs of disabled person
17Moving into accommodation following a stay in hospital or a residential care home, nursing home or independent hospital
18Temporary absence exceeding 6 months
SCHEDULE 4Direct payments to qualifying lenders
1Direct payments
2Determining the amount to be paid to a qualifying lender: one qualifying loan
3Determining the amount to be paid to a qualifying lender: more than one qualifying loan
4Qualifying lenders to apply direct payments to discharge of claimant’s liability
5Application by qualifying lenders of any amount which exceeds liability
6Fees payable by qualifying lenders
7Election not to be regarded as a qualifying lender
8Provision of information
9Recovery of sum wrongly paid
SCHEDULE 5Consequential amendments
1The IS Regulations are amended as follows—
2The JSA Regulations are amended as follows—
3Schedule 2 of the SPC Regulations is amended as follows—...
4The ESA Regulations are amended as follows—
5The UC Regulations are amended as follows—
6In regulation 30(1)(b) of the Transitional Provisions Regulations—

2017 No. 176

Social Security

The Loans for Mortgage Interest Regulations (Northern Ireland) 2017

Made

Laid

in accordance with regulation 1(2)

The Secretary of State in exercise of the powers conferred by sections 122(1)(a), 131(1), 133(1) and (2)(d) and 171(1), (3) and (4) of the Social Security Contributions and Benefits (Northern Ireland) Act 19921, Articles 2(2), 6(5) and 36(2) of the Jobseekers (Northern Ireland) Order 19952, sections 2(3)(b), 17(1) and 19(1) to (3) of the State Pension Credit Act (Northern Ireland) 20023, sections 4(2)(a), 24(1) and 25(2)(a) of, the Welfare Reform Act (Northern Ireland) 20074, Articles 16(3) and (4) and 48(2)(a) of, and paragraph 1(1) of Schedule 6 to the Welfare Reform (Northern Ireland) Order 20155 and Articles 13, 14, 16 and 22 of the Welfare Reform and Work (Northern Ireland) Order 20166, makes the following Regulations.

Those powers are exercisable by the Secretary of State by virtue of Article 4(1) of the Welfare Reform (Northern Ireland) Order 20157.

This rule contains only regulations made under, by virtue of, or consequential upon, Articles 13, 14 and 16 of the Welfare Reform and Work (Northern Ireland) Order 2016.