If the government can pay rich landlords mortgages off - why can't they pay the interest on mortgages of people going through financial difficulties?

[UndertheCedartree]

My friend was asking how my financial situation was (as I have been unwell and in hospital) and I was telling her that it has finally been agreed that I am entitled to some help with my housing costs (interest on my mortgage) but that it is a loan. She was shocked and said when she had financial difficulties the government paid most of her high rent (more than double the interest on my mortgage) and it ultimately went to her rich landlord who was able to pay off his mortgage with it. It made me think about the supportive accomodation my boyfriend lives in. The owner is extremely rich and gets housing benefit for 10 bedrooms when there is only 6 as each tenant gets housing benefit at a 2 bedroom rate. He also gets £800 per month for utilities/broadband from the tenants.

It does feel unfair that I have to take out a loan to cover the interest on my mortgage while I'm unwell (as surely keeping a roof over myself and my children's head makes sense?) while wealthy landlords benefit from housing benefit.

@Teateaandmoretea - I was honestly baffled too! Keeping a roof over a home owners head is less important than if you can keep a roof over somone's head AND pay into a LL's investement?!

Tbh for me I would rather pay for vulnerable children to keep their home and keep any financial advantage there for them too because of all the disadvantages they have already been through.

@something2say - there are different types of supported accomodation and we're probably talking about different types. Where I'm talking about there would be no 'I'll get it sorted' as it is the company that sorts it all out. And as I said sometimes there is some excess wear and tear but generally not a lot as the staff are cleaning the house regularly. But with the amount the LL makes there is money there for repairs and furnishings.

It is about people who cannot afford to keep a roof over their heads and preventing homelessness
But it's not about homeless since they get a loan to pay the interest, the issue is the resentment that they are not getting it paid instead and will have to repay the money.

The loan is just a short term measure isn't so whats the point? They just end up worse off in the future unless they land a 40k job sometime soon which I doubt many people who are in this position with no savings do 🤦🏻‍♀️. It's just a race to the bottom no more or less. Us taxpayers will just end up picking up the bill when they eventually have to sell and move into private rented. It's utterly daft when they have somewhere stable to live.

Most banks allow an interest repayment mortgage on a temporary basis only anyway, so.if you are not able to pay the full mortgage, you will be repossessed whether DWP pays the interest or offer a loan for it.

Either way, if you can't pay the mortgage, you're going to be repossessed anyway, hence the importsnce to get critical illness insurance and ideally insurance against redundancy at the same than getting a mortgage.

@Dontdisturbmenow - as has already been discussed many people with long term health problems can't get critical illness insurance. I assume you haven't RTFT hence you think the issue is 'resentment'

Something2say do you work in specialist supported accommodation or bog standard supported accommodation?

Do you know how much the rent is? What sort of support is offered? Are the people there tenants or licencees?

possibly county lines type carnage

How is this allowed to happen? What safeguarding procedures do you have in place?

Sorry for all the questions, I'm just really curious about the view from the inside.

@Dontdisturbmenow - and no you don't just get a loan. Over 2 years later I still haven't got a loan.