Money help

Deal with money problems as soon as you can. These pages tell you more about ways to get help.

Help with housing costs

How to deal with rent arrears
Learn what to do if you owe rent.

How to deal with missed mortgage payments
Missing a mortgage payment does not mean you'll lose your home. Find out what you can do.

Emergency grants, loans and money help
Find out where you can get money or help if you need it quickly.

Help with gas and electric bills
Learn more about help with energy bills and the cost of living.

Help with council tax
Most people who rent or own their home pay council tax. But you can get support.

How to claim universal credit
Our guide to who can claim and how to do it.

How to claim housing benefit if you're pension age
Housing benefit can help with rent if you're pension age and have a low income.

Moving from ESA to universal credit
Most people will move to universal credit by December 2025. Learn how to be ready.

How to get a discretionary housing payment
You can apply for a discretionary housing payment if you get benefits to help with rent but still struggle to pay.

Extra help if you claim universal credit
Find out about getting more help with things like council tax, childcare and medical costs.

Where to get debt advice
Get help straight away. These services can help you manage your money and deal with debt.

Where to get help with benefits advice
A benefits adviser can help you find out what you can claim and deal with disputes and delays.

Breathing space debt help with rent or mortgage arrears
Breathing space means you cannot be asked to repay some debts, giving you chance to deal with your money. Sometimes it stops eviction.

Last updated: 27 March 2025