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A renters guide during the coronavirus

If you’re in rented accommodation and facing financial difficulty there is help available. This guide will help you understand your rental rights during lockdown.

Image of model house surrounded by finances and calculator

As things change rapidly during the coronavirus (COVID-19) crisis, this guide will be updated regularly to reflect changes in rules and regulations.

What you can do if you’re struggling to pay the rent

If you have lost income as a result of the coronavirus lockdown and you’re struggling to cover your rent, you have a number of options. First of all, you should speak to your landlord and explain your financial situation.

You may want to explain that you are going to find it hard to meet your next rent payment. Remember, you’re still liable for the rent, but your landlord may be willing to compromise.

Can you get a rent payment holiday?

You don’t have an automatic right to a rent payment holiday. You’ll need your landlord’s agreement to suspend or temporarily reduce your rent. 

Both the government and the National Residential Landlords Association have said that tenants and landlords should work together to put in place a rent payment scheme. You should continue paying rent if you’re able to do so. 

If you are able to agree to a payment schedule, you may be able to pay smaller amounts over a longer period. When negotiating with your landlord, you should only offer to pay what you can realistically afford right now, according to Citizens Advice.

Your landlord may also be facing financial pressures if they need to make mortgage payments on their property.

The housing charity Shelter has put together a template letter you can use to contact your landlord if you need to negotiate a rent reduction or discuss whether you can delay payments. 

It’s worth noting that you also may be entitled to benefits to help meet housing costs if your income has reduced, even if you’re still working during lockdown. 

Citizens Advice has details of help available from local councils and the government.

Can your landlord evict you during lockdown?

The short answer is no. 

The UK parliament passed an emergency law on 26 March 2020 banning private and social landlords from forcing renters out of their homes for at least 3 months. 

This ban has now been extended for another 2 months. It will end on 23 August 2020.

These laws also apply to those who live in shared ownership houses. This is where a resident buys a portion of the home with a mortgage, and rents the other part of it. 

Read more on taking mortgage payment holidays

The rules for lodgers are different

Be aware that the eviction ban does not apply to landlords who have lodgers living in their home. Your landlord will not need to get a court order to evict you if you are a lodger in their home. 

If your landlord wants you out before the end of the term specified in any lodger agreement, the rules say that they have to give you ‘reasonable’ notice before you have to leave.

Shelter says that these landlords should not insist that you move out during the lockdown, unless you can do it safely. Shelter has more details on lodgers’ rights

In practice it may be tricky for your landlord to evict you if you live with them over the summer, as the courts won’t be open for eviction hearings until the end of August anyway. 

What if you were served with notice before these rules came in?

If your landlord gave you notice before 26 March, that notice is technically still valid. But in practice you cannot be evicted at the moment because all court action for eviction is on hold until at least the end of August.