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What to do if you are having problems paying your rent, mortgage, council tax, electricity, gas and other household bills.

First published:
18 May 2020
Last updated:

Paying your rent

Your landlord must give you notice before they can evict you from your home.

If you are struggling to pay your rent, you must speak to your landlord or letting agent, they may be able to help.

Read our guidance about what to do if you are struggling to pay your rent.

Paying your mortgage

Your home is unlikely to be repossessed for 3 months if you cannot pay your mortgage.

If you are struggling to pay your mortgage, you must speak to your mortgage provider, they may be able to help.

Read our guidance about what to do if you are struggling to pay your mortgage.

Council tax

If you are struggling to pay your council tax, you could get help to pay your council tax depending on your circumstances. You should contact your local authority.

Electricity and gas bills

If you are struggling with your household utility bills, or have missed payments you should speak to your supplier.

The UK government has agreed with energy suppliers that you will not be cut off if you cannot pay your bill during the coronavirus pandemic. Your supplier could offer you a new payment plan.

Pay using a prepayment meter or pay-as-you-go

If you are worried about topping up your meter because you’re self-isolating, you should speak to your energy supplier about help that may be available to you.

Water bill

You need to speak to your water supplier if you are struggling to pay your bill or missed payments. They may be able to offer you a new payment plan.

Free school meals

Children will continue to get free school meals even though their school is closed. You should contact your local authority.

Food banks

Food banks and local community food distribution groups are doing everything they can to continue to provide emergency food supplies during the pandemic. Find your local food bank, or your local community group.

Other household bills

Bank, credit cards or loans

You should to speak to your bank, credit card supplier or loan provider if you are worried about debt building up during the pandemic. They may be able to offer you a new payment plan or other support.

Mobile phone, broadband or TV licence

You should speak to your mobile phone provider and broadband provider if you are worried about your bill. They may be able to offer you a new payment plan or other support to help you stay connected.

If you are worried about paying your TV licence you can manage your payments online.

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