Your landlord can evict you if you fall behind with your rent. You could lose your home.
Get help as soon as possible. Talk to your landlord about your rent arrears, and how much you can afford to pay back. They're likely to be more sympathetic if they know you're trying to resolve the matter.
If you live in a council house
Contact your local council right away if you live in a council house and you have a problem with your rent. You'll get advice on:
- how to pay your rent arrears in affordable instalments
- benefits you're entitled to and how to claim
- what money advice services are available in your area
Help to pay your rent
If you're struggling to pay your rent, you might not be getting all the benefits you're entitled to.
If you're on a low income, you may be entitled to Housing Benefit. It can pay for all or part of your rent. How much you get depends on your income and circumstances.
Discretionary Housing Payment
If you already get Housing Benefit but still can't afford to pay your rent, you may be eligible for a Discretionary Housing Payment.
A Discretionary Housing Payment can be made if you:
- claim Housing Benefit but it doesn't cover all your rent
- need help with removal costs
- need help with a rent deposit
Get a loan to help with your rent during coronavirus
The Tenant Hardship Loan Fund offers loans to tenants who are struggling with rent during coronavirus. The loans are interest free but you must pay the money back. You:
- have 6 months before you need to start to pay it back
- can pay it back over 5 years
The loan is available for a maximum of 9 months of agreed rent. You can use it to clear rent arrears from 1 January 2020. You can also borrow up to 3 months of future rent payments as part of the 9 month total.
If you do not think you will be able to pay back the loan, it might not be right for you. Applicants will need to pass an affordability check and a credit check before we can offer a loan.
Before you apply, seek further advice about financial support you do not have to pay back and may be available to you. You can get money advice, welfare benefit checks and other financial support information from:
Find out more about the loan and how to apply on the loan portal.
Money Talk Team
The Money Talk Team is a service that offers money advice to older people and families.
It helps explain how to make the most of your income and make sure you're not paying more than you need to for services like gas, electricity and internet.
It can help you find out:
- what benefits you can get
- how to save money on your bills
- what other money you may be entitled to
You can chat to the Money Talk Team by calling 0800 085 7145, or by setting up a meeting to your local Citizens Advice Bureau.
You can get advice if you're in rent arrears or having difficulty in paying your rent from: