Personal Support

Help with your mortgage  repayments

Mortgage lenders will offer a three-month payment holiday for those customers that are experiencing issues with their finances as a result of Coronavirus.

Lenders across the industry have agreed to introduce a simpler notification process for residential customers to apply for this relief.

Please contact your mortgage provider to discuss how this will affect your repayment term.

If you rent your property

Government have announced new protective measures for those renting their properties:

• Emergency legislation to suspend new evictions from social or private rented accommodation while this national emergency is taking place
• No new possession proceedings through applications to the court to start during the crisis
• Landlords will also be protected as 3-month mortgage payment holiday is extended to Buy to Let mortgages

For more information visithttps://www.gov.uk/government/news/complete-ban-on-evictions-and-additional-protection-for-renters

In terms of other bills including utilities and council tax, it is highly recommended that you contact your provider to advise them of the situation so that you can put an adequate plan in place to offer you the best possible support.

Universal Credit and Contributory Employment and Support Allowance (ESA)

Universal Credit is a payment to help with your living costs. It’s paid monthly into your bank. It is available to those who are not eligible for SSP. The government has made sure for the duration of the outbreak, the process to apply has been relaxed to make is easier for people who have coronavirus or are staying at home according to government advice, ensuring self-employed claimants will receive support.

People will be able to claim Universal Credit and access advance payments upfront without the current requirement to attend a jobcentre. You can find more information here: https://www.understandinguniversalcredit.gov.uk/coronavirus/

You may be able to access the Hardship fund

The government expects most of this funding to be used to provide more council tax relief.
For more information about this fund, you should contact the local authority (council).

Support with energy bills for vulnerable people

Agreed emergency measures with energy suppliers to support any customers in financial distress.

Help for customers with pre-payment meters who may not be able to add credit, the disconnection of credit meters will be completely suspended.

https://www.gov.uk/government/news/government-agrees-measures-with-energy-industry-to-support-vulnerable-people-through-covid-19

If you are unable to top up your pre-payment meter you advised to contact your supplier immediately to discuss how you can be kept on supply.