The general formula for calculating mortgage interest supplement is as follows:

1. Calculate total weekly income - this can be SW payments, part-time earnings, assessed savings or other property.

2. Subtract the SWA rate for the family size from the total weekly income. This is the income in excess. As a guide, SWA rates and full-rate JA/JB rates of payment are the same (€204.30 for a single person)

3. Calculate the weekly interest on the mortgage.

4. Entitlement is calculated as - weekly interest on mortgage minus income in excess minus minimum contribution (€24).

If the amount reached at no 4 is positive, then that's the entitlement, if it's negative, there is no entitlement.

There may be other factors which affect entitlement - if the interest is considered very high, then entitlement (if any) may be based on a lower amount rather than the full interest paid, or if there's a non-dependant adult child residing, they are expected to contribute towards the mortgage as well.

As this is a Social Welfare Allowance, it is a payment of last resort and relies on the judgement of the Community Welfare Officer to some extent.

You can find the full, detailed rules on the Social Welfare website

1. Calculate total weekly income - this can be SW payments, part-time earnings, assessed savings or other property.

2. Subtract the SWA rate for the family size from the total weekly income. This is the income in excess. As a guide, SWA rates and full-rate JA/JB rates of payment are the same (€204.30 for a single person)

3. Calculate the weekly interest on the mortgage.

4. Entitlement is calculated as - weekly interest on mortgage minus income in excess minus minimum contribution (€24).

If the amount reached at no 4 is positive, then that's the entitlement, if it's negative, there is no entitlement.

There may be other factors which affect entitlement - if the interest is considered very high, then entitlement (if any) may be based on a lower amount rather than the full interest paid, or if there's a non-dependant adult child residing, they are expected to contribute towards the mortgage as well.

As this is a Social Welfare Allowance, it is a payment of last resort and relies on the judgement of the Community Welfare Officer to some extent.

You can find the full, detailed rules on the Social Welfare website

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