Child Support Agency (CSA) assessments and Court Orders are usually based on your net pay which will increase as a result of SmartSaver. This isn’t always the case and the order may be explicit about the definition of pay to be used. You should contact the CSA or the Citizens Advice Bureau for more information or take legal advice.

If you’re receiving Income Support or Jobseeker’s Allowance you should contact your local social security or Jobseeker Plus office to find out more.

If you’re not receiving either of these benefits, but are receiving Housing Benefit and/or Council Tax Benefit you should contact your Local Authority.

If you participate in SmartSaver your taxable cash earnings will reduce. Tax credits such as the working tax credit and child tax credit are, broadly speaking, greater at lower levels of taxable earnings. So your entitlement to these tax credits could increase as a result of your participation in SmartSaver.

For further information on tax credits contact the HM Revenue and Customs helpline on 0845 300 3900.

Most mortgage providers are aware of salary sacrifice schemes such as SmartSaver and will grant loans based on your base pay before the reduction for SmartSaver. You should quote that figure on any mortgage applications.

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