Please note, this information is based on the most up-to-date details we have. Although we will update this regularly, the fast-changing nature of the coronavirus outbreak means we cannot guarantee this is correct.
This page was last updated on 30 March 2020 – 3:35pm
This means mortgage payments will be deferred by up to three months.
During this period, you won’t need to pay anything but interest will still accumulate which will be added to the total cost.
To apply, call your mortgage provider. The process differs from lender to lender but should be straightforward. Furthermore:
If your mortgage is in arrears, call your lender and they should be able to identify a solution. Some providers are offering short-term assistance, such as allowing reduced payments or waiving the charges for missed payments.
Call your lender and see what help they can provide. Most are being pretty flexible during this crisis however it’s worth noting that it isn’t compulsory for mortgage providers to offer this.
Note: To take a mortgage holiday, you must also have this agreed with your lender and can not just stop making the payments – doing so could cause you to have late payments marked on your credit score, and is likely to affect your credit score.
How lenders are helping:
|Lender||Waiving fees for missed payments?||Offering reduced payments?||Offering mortgage holidays?||Impact of mortgage holiday?||How much notice should I give?||How to apply for a mortgage holiday?|
|Bank of Scotland||Yes||Yes||Yes||Increased monthly payments||2-3 days||Online|
|Barclays||N/A – Barclays does not charge for late payments||Speak to lender||Yes||Longer mortgage term||4 days||Phone|
|Coventry BS||Speak to lender||Yes||Yes||Flexible||Urgent cases prioritised||Phone|
|Halifax||Yes||Yes||Yes||Increased monthly payments||2-3 days||Online|
|HSBC||Speak to lender||Yes||Yes||Speak to lender||Unclear||Phone|
|Lloyds||Yes||Yes||Yes||Increased monthly payments||2-3 days||Online|
|Nationwide||Speak to lender||Speak to lender||Yes||Increased monthly payments||5-7 days||Online|
|NatWest||Speak to lender||Speak to lender||Yes||Increased monthly payments||5-7 days||Phone|
|NRAM||Speak to lender||Speak to lender||Yes||Increased monthly payments||Approx 10 days||Phone|
|RBS||Speak to lender||Speak to lender||Yes||Increased monthly payments||Unclear||Phone|
|Santander||Speak to lender||Yes||Yes||Increased monthly payments||Approx 10 days||Online|
To help, we have also created a template which you can fill out and send to your mortgage provider informing them you have been affected by the coronavirus. Or, if you’re not comfortable doing this, fill out the form and send it to us. We will send this form on your behalf.
The government announced on the 20th March they are increasing universal credit and housing benefits so that the local housing allowance could cover at least 30% of the market rents in your area. Consequently, it’s worth checking you’re receiving all the financial help you’re entitled to.
Private landlords have also now been granted a three-month payment break on buy-to-let mortgages if their tenants are struggling so speak to your landlord if you need help.
Additional laws have been put in place whereby landlords will need to give three months’ notice before starting eviction proceedings. Beyond these three months you will be expected to come to some agreement with your landlord to try and resolve any rent arrears. This doesn’t cover any eviction notices which had already commenced before the 25th March.
The Residential Landlords Association, and other related trade bodies, has recommended that tenants affected by the coronavirus are treated “sympathetically”.
Although you’ll have to repay rent eventually, you might be able to negotiate delayed or reduced payments until the crisis is resolved.
If you’re a council tenant, further information is available on the GOV website: https://www.gov.uk/council-housing/types-of-tenancy
During the crisis a lot of companies are being extremely understanding so it’s important that you contact them and do not just stop making payments. Most companies will now have policies in place to help deal with customers in this situation. This could include:
For more information, please consult the Acas website: https://www.acas.org.uk/
If you’re staying at home on government advice, due to being affected by the coronavirus, then you will be entitled to statutory sick pay from day one of being off work.
You will need to inform your employer as soon as possible, who will put this claim in for you.
If you’re self-employed, you won’t be entitled to statutory sick pay. However, you may be eligible for ESA (Employment and Support Allowance).
Visit for how to claim: https://www.gov.uk/government/publications/employment-and-support-allowance-claim-form
The government has introduced a scheme to subsidise 80% of your salary for up to £2,500 a month. This must be agreed with your employer, where you will agree to be put on what’s officially called ‘Furlough’. This means that your job will be placed on hold if there is no work available, or you’ve had to take time off for childcare. Once the crisis is over, your position will resume as normal.
The scheme is expected to be in place by the end of April, with any payments being backdated to the 1st March 2020. There is no guarantee for Furlough to be offered and this is at your employer’s discretion.
If you’re already claiming benefits such as tax credits or housing benefit, and you’re off sick due to coronavirus, Citizens Advice has advised that you may be entitled to additional funds to make up for the loss of earnings.
Unfortunately, no further information has been released surrounding this yet. We will update this when more details are announced.
If you’re not currently claiming benefits, you may be entitled to claim employment and support allowance as the government is making some changes to this benefit in light of the coronavirus crisis.
More information on this will be added when it becomes available.
You can claim here: https://www.gov.uk/employment-support-allowance/how-to-claim
If you’re not eligible for statutory sick pay because your earnings are too low – or because you’re self-employed – you might be able to claim new style Employment and Support Allowance (ESA) if you’re ill, or elements of universal credit if you need help with costs such as children or housing.
The typical seven-day waiting time for new claimants has been removed for those who are suffering from coronavirus or required to stay at home.
You can also receive up to a month’s advance payment upfront without attending a face-to-face meeting.
From the 1st April, the government has also announced that they have lifted the minimum income and increased the standard allowance.
New universal credit standard allowance:
|Your Circumstances||Monthly Standard Allowance|
|Single and under 25||£342.72|
|Single and over 25||£409.89|
|In a couple and you're both under 25||£488.59|
|In a couple and either of you are 25 or over||£594.04|
The biggest change to universal credit is the housing element. Housing element of universal credit can be used to help cover your rent, the interest charged on your mortgage, or any service charges you may pay.
You can claim here: https://www.gov.uk/apply-universal-credit
Gas and electricity suppliers have agreed to provide help to vulnerable people during the coronavirus outbreak. If you’re struggling to pay bills due to the coronavirus, you should receive additional support and no meter disconnections will take place.
This support could include:
Contact your energy supplier and they’ll be able to confirm what measures they’re implementing during this time.
Here’s what prepay energy providers have committed to so far;
|Supplier||What can it do?||How to get help (1)|
|British Gas||Have not yet committed to sending out top-up cards or keys loaded with credit however if you're currently in isolation and you think you'll use up your balance and emergency credit, contact British Gas who should be to find a solution. Further FAQs for British Gas customers.||Call 0333 202 9802|
|Bulb||Bulb says it can post top-up cards or keys loaded with credit to your home which can be ordered online. They've also advised people who are self-isolating to ask someone you trust to help top up.||Call 0300 303 0635|
|Co-op Energy||Co-op has not yet released any advise.||Call 0800 093 7547|
|EDF||Have said that they can post top-up cards or keys loaded with credit to your home if required. EDF have also advised people who are currently self-isolating, to ask friends and family to help you top up but where this is not possible, they can deliver 'preloaded' cards and keys – the balance will then be collected back at an agreed rate later on. See more of their FAQs.||Call 0333 200 5100|
|E Energy||E Energy are yet to release any advise.||Call 0333 103 9575|
|E.on||E.on says it can post top-up cards or keys loaded with credit to your home or send an engineer to top up your meter if you're credit faills below 50p and you're currently unable to leave the home. They have also advised to consider topping up a little extra or asking a trusted person to help in order to prepare for self-isolation. Read more FAQs.||Call 0345 052 0000|
|Green Network Energy||Green Network Energy is yet to release any advise.||Call 0800 520 0202|
|Green Star Energy||Green Star Energy has not yet released any advise.||Call 0800 012 4510|
|Npower||Npower has said that they are looking at increasing emergency credit to £45 to help those currently self-isolating. They have also advised to help topping up more than usual in advance, or if you need a top up and can't leave the house then ask a truster person to help. Further FAQs.||Call 0800 073 3000|
|Omni Energy||Omni Energy are advising customers to top uo more than usual in advance and build up credit on the meter. They've also advised where customers are self-isolating to ask a family member or friend to help, and where not possible they can offer emergency credit to maintain supply. |
However, it says it's not needed. It advises those who can top in advance and build up credit on the meter, or ask a family member or friend to take their key or card to the shop for you. It also says it has emergency credit to maintain supply.
|Call 0113 457 3219|
|Ovo (2)||Ovo is advising people to ask friends, family or neighbours to top up for you – and also provided advise to disinfect your card before handing it to anyone else. It's also set up a dedicated team to help those in danger of losing supply. More FAQs.||Call 0330 102 7517|
|Robin Hood Energy (3)||Hasn't yet committed to sending out top-up cards or keys loaded with credit and are advising customer to pre-load more than usual during this time. They are looking at alternative solutions, but are yet to release what those are.||Call 0800 030 4567|
|Scottish Power||Scottish Power has only advised people who need to self-isolate to ask a friend, neighbour or family member to top up for, and to add more credit to your meter than normal and are not currently offering any other support - but this may change.||Call 0800 027 0072|
|SSE||SSE are advising customers to try and keep at least 14 days' worth of credit on their meter, and have also said that they can help by reducing any debt repayments people are making through the meter. See more FAQs.||Call 0345 026 2658|
|Utilita||Utilita's have advised their main focus is smart prepayment, which allows people to top up remotely. If you've a non-smart meter, it advises to top up more than usual or ask a friend or family member to help.||Call 0345 207 2000|
|Utility Warehouse||Utility Warehouse are advising customers to top up more than usual in advance and build up credit on the meter so that there is at least 2 weeks on the meter. They've also advised where customers are self-isolating to ask a family member or friend to help.||Call 0333 777 3247|
There’s also help for customers that are on a standard meter, most importantly customers will not be cut off during this crisis as all disconnections have been suspended. Providers are also prepared to offer solutions to customers that are currently in arrears, which can include debt repayments being paused or reduced.
Here’s what we know so far:
|Supplier||Delay bill due dates||Remove late payment charges||Allow repayment over longer periods||Reassess monthly payment||Offer alternative ways to pay||How to get help|
|British Gas||Yes||Yes||See FAQ or call 0333 202 9802|
|Bulb||Yes||Yes||See FAQs or call 0300 303 0635|
|Co-op Energy (1)||Hasn't committed to any specific measures, but will offer help on a case-by-case basis||See its statement or call 0808 164 1088|
|EDF||Yes||Yes||Yes||See FAQs or call 0333 200 5100|
|E.on||Yes||Yes||See FAQs or call 0345 052 0000|
|Npower||Yes||Yes||Yes||See FAQs or call 0800 073 3000|
|Octopus Energy||Hasn't committed to any specific measures, but will offer help on a case-by-case basis||See its statement or call 0808 164 1088|
|Ovo Energy||Hasn't committed to any specific measures, but will offer help on a case-by-case basis||See FAQs or call 0330 303 5063|
|Scottish Power||Yes||Yes||Yes||See FAQs or call 0800 027 0072|
|Shell Energy||Yes||Yes||See FAQs or call 0330 094 5800|
|Small suppliers||Though some have committed to things such as not increasing direct debit payments or offering more flexibile payments, most suppliers haven't committed to any specific measures, but will offer help on a case-by-case basis.||See supplier contact details|
|SSE||Hasn't committed to any specific measures, but will offer help on case-by-case basis||See FAQs or call 0345 070 7373|