Talk to your landlord or agent about any concerns you may have. Although a ban on evictions was announced in England and Wales, there haven’t been any major changes announced yet about the rights or private renters in Northern Ireland.
Problems paying rent
Your landlord doesn’t have to do anything to help you at this time. However, many landlords are concerned about their tenants and will try to help. You could ask the landlord to
- reduce your rent for a period of time
- use your deposit to cover a month’s rent and allow you to build this up again when you’re back on your feet
- postpone rent payments until a point in the future when you’ll be able to repay what you owe
- allow you to offset rent payments against work that needs done in the property.
If your landlord is able to help you out in some way, make sure you have a written record of any changes agreed. This doesn’t have to be a formal signed contract. An email or message explaining the changes, how long they are in place for and any conditions attached will be fine.
Is your wage protected by the Government's scheme?
The government has announced that it will help employers to pay their workers. The government has guaranteed to pay 80% of the salary of employees who stay on payroll but are unable to work up to a limit of £2,500 a month. This assistance can be backdated to the start of March as long as employees are put back on payroll and given a leave of absence.
Talk to your employer or your union to make sure that you get this help if you are eligible.
If you are self-employed, you may be entitled to assistance under the Government's Self Employment Income Support Scheme. HMRC will contact you if you are eligible and payments should be made in June. In the meantime, apply for Universal Credit. If you are already receiving Tax Credits, get advice from a benefits specialist before you apply for Universal Credit.
Can you claim benefits to help?
You may be able to get benefits to help with your rent and other living costs if your income has reduced.
Most people will have to claim Universal Credit to get help with rent. If you are over pension age or you are getting certain disability benefits, you can claim Housing Benefit. Get advice if you aren’t sure which to claim.
You claim Universal Credit online. When you claim, you can ask for an advance payment and you should also ask for a payment from the Universal Credit contingency fund. The advance must be paid back, but you don’t have to pay back the contingency fund payment. Universal Credit will include money to help with your household living costs, as well as your rent.
More help to pay rent
The amount you get towards your rent probably won’t cover the full amount you pay to the landlord. You can apply to the Housing Executive for extra help towards your rent if you are entitled to Housing Benefit or Universal Credit. This extra help is called a Discretionary Housing Payment or DHP Our advisers can help you with this process.
The Housing Executive has said that it will pay the difference between what you get from Universal Credit and what you pay your landlord for 13 weeks as long as
- you haven't got Housing Benefit or Universal Credit to help with your rent in the last 12 months AND
- you could afford to pay the rent without benefits when you initially moved into your rented home.
Ask to have your DHP increased if you are already getting this help but have been impacted by coronavirus. Get advice if you aren't sure how to do this.
Paying your rates
Once you are getting Universal Credit you can apply for a rates rebate. This money will be credited directly to your landlord's rates account.
Getting other benefits
Universal Credit or Housing Benefit can help with rent, but you may also be entitled to help with your living costs. You may be able to apply for benefits such as Statutory Sick Pay, Universal Credit, new-style Jobseekers' Allowance or new-style Employment and Support Allowance.
You will not be able to apply for certain benefits if you have "no recourse to public funds". This is a condition placed on certain visas. However, if you have been working or have been self-employed and paid national insurance contributions, you may still be able to get contribution based benefits, like new-style ESA and new-style JSA.
A new law extends notice periods for private tenants from 5 May 2020. This means that your landlord has to give you at least 12 weeks advance notice in writing of the date you have to leave your home.
This doesn't apply if you got notice in writing from your landlord before 5 May 2020. But, even if your landlord doesn't have to give you longer notice, the landlord still has to go to court to evict you.
Your landlord must go to court to evict you and the courts are not currently dealing with eviction hearings. It is illegal for a landlord to force you to leave the property without a court order. This applies even if you haven’t been able to pay rent.
Your landlord or agent can't make you leave your rented home during this crisis. If you are told that you have to get out, get advice immediately.
Your landlord has the same responsibilities to carry out repairs as existed before this crisis. However, the landlord may have difficulties getting a contractor to visit the property to carry out repairs. This means that it could take longer to get things sorted out, or that you might need to be more flexible about when repairs happen.
If there are serious problems in your property and your landlord is refusing to deal with these, you should contact the environmental health department at your local council. Most councils are running a very limited service at the moment and will only be able to take urgent action if there is a serious public health risk. Make sure to explain how serious the situation is if you are reporting an emergency repair and get advice if you need help to get the problem sorted out.
Inspections and viewings
The landlord or agent should only visit your property in an emergency or to carry out agreed repairs. All property inspections and viewings should be cancelled in line with government guidance to stay at home. Get advice if you've been told that you have to allow people into your home during the lockdown.
Ending your tenancy early
- asking the landlord to apply for a mortgage payment holiday for the next three months,
- agreeing to allow the landlord to keep the deposit to cover reasonable losses as a result of the tenant's early termination,
- asking the landlord to try to find alternative tenants or to offer the property to NIHE for use as temporary housing,
- working out what you can afford to pay the landlord, and asking if the landlord will accept this as a final settlement of the contract.
Make sure you check the Public Health Agency website for up to date information and advice on the virus and what to do if you think you may have it.
The country is now in lockdown. It is essential that you stay at home. Read the government’s advice to find out under what circumstances you can leave your home.
Read the advice on how to self-isolate. Remember to stay at least 2 metres (3 steps) away from other people and to wash your hands thoroughly and regularly.
Isolating in shared housing
It's much harder to isolate safely if you live in shared housing and are sharing kitchen and bathroom facilities with people you don't really know. Speak to your flatmates and your landlord is you have signs of Covid-19 or have been in contact with someone else who has symptoms and you need to isolate. There may be ways to reduce the risk of spreading the virus among the rest of the household.
If you feel that you are living in an unsafe situation, get advice.