Source: https://tendernation.io/opportunities/01a13bfc-9050-719c-aff4-a6f875532121/research-into-support-for-mortgage-interest-claimants-in-retirement awarded GB restricted procedure Suitable for SMEs # Research into Support for Mortgage Interest Claimants in Retirement [Crown Commercial Service](https://tendernation.io/buyers/crown-commercial-service) Open field Estimated value £54,728 Published 18 Nov 2016 Deadline Closed 26 Feb 2015 ## Who can bid - Buyer says suitable for SMEs The buyer ticked “suitable for SMEs” on the notice. Anyone can still bid. - Small contract value Valued under £135,018 including VAT, the lowest Procurement Act threshold for goods and services. [More contracts for small businesses and VCSEs](https://tendernation.io/opportunities/for-small-businesses) ## About this tender Research to investigate why people are increasingly taking mortgages into retirement and claiming Support for Mortgage Interest (SMI). The research aims to understand why people are taking their mortgages into retirement and why they are claiming SMI in doing so. SMI is a payment that helps homeowners on some income related benefits with interest payments on their mortgage or loans that they have taken out for certain repairs and improvements. SMI is paid as part of the benefit and is normally paid direct to the lender. Increasing numbers of people are taking on mortgages which will last into retirement. In addition, many people now have interest-only mortgages, with the number of maturing interest-only mortgages projected to peak in 2032. Taken together, these factors suggest that, in the future, an increasing number of Pension Credit claimants may rely on SMI to pay their mortgage interest, while having little or no ability to repay the capital sum during their retirement. This would cause an increase in SMI expenditure, which would be especially large if/when interest rates rise. As such, the proposed research aims to understand why people are taking mortgages into retirement and why they are relying on SMI while doing so. The research will consist of a literature review and a piece of qualitative research (with 51 individuals: either face to face or by telephone). The lit review should be focused on GB & completed in advance of (so as to inform) the qualitative research. It may also include “grey literature” (i.e. unpublished info). This will enable DWP to inform and develop an appropriate policy response and influence people’s decisions on taking mortgages into retirement. Read full description ## CPV classification Market research services Source Contracts Finder (UK) [View official notice](https://www.contractsfinder.service.gov.uk/notice/8c33869d-adc8-11e6-9901-0019b9f3037b) Never miss a tender like this again Get AI summaries, deadline alerts and a bid pipeline for tenders matched to your business. Free to start. 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