Report Mortgate safety net disappearing in House prices and the economy Posted December 12, 2017 Doesn't seem like a particularly generous benefit - nothing for 39 weeks, nothing if you've got too much savings, interest only set at 2.19% and a maximum loan size of 200k. That said, moving it to a loan secured against the house seems fair enough. IMO true out of work benefits should be shifted to a system where you get a single payment that's a proportion of your former salary for a set period of time, with the job centre leaving you to get on with it unless you ask for help. After, say 6 months, proper recruitment professionals should be brought in to help people get jobs. The current system penalises people who have bothered to save money and seems to assume you're a shirker from day 1.