Keeping your home when in prison
Take action to keep your home so you have somewhere to live on release.
Try to keep your home
It's important to try and keep your home so you have somewhere to live on release.
If you give up a tenancy or get evicted it can be difficult to find somewhere else.
If you have to ask for homelessness help on release, the council might decide you're:
They don't provide housing to everyone who is homeless and might just offer advice.
Get advice in prison
Most prisons have a resettlement service called Through the Gate. The service is delivered by charities including Shelter, St Giles Trust and Catch22.
A resettlement worker draws up a resettlement plan when you enter prison and it should be reviewed before you leave.
Tell your resettlement worker about the type of housing you live in and if you'll have problems with rent, mortgage payments or eviction whilst in prison.
Pay your rent or mortgage
Ask your partner or another family member to meet the payments if you can't.
Your landlord or lender must accept payments from your wife, husband or civil partner if they live in your home even if they're not named on the agreement.
Claim benefits to help with housing costs
You or your partner may be able to get universal credit or an SMI loan if you can't meet your rent or mortgage payments whilst in prison.
If you live with a partner
Your partner may be able to claim universal credit to help pay the rent.
If you have a mortgage, your partner may be able get a support for mortgage interest (SMI) loan as part of a claim for other benefits.
You don't have to be married and they don't have to be named on the tenancy or mortgage agreement.
If you're single
You can't usually make a new claim for universal credit when you're in prison.
If you were already claiming universal credit as a single person before you went to prison, you can usually continue to get the housing costs element for up to 6 months if you're:
sentenced but likely to return home within 6 months
If your home is left empty
You may need to let your landlord know that you're away in case they think you've left your home permanently.
It's usually an illegal eviction if a landlord changes the locks but they may have a defence if they believe you're no longer living there.
Council or housing association homes
Leave furniture and possessions in your home to show you intend to return at the end of your sentence.
You could ask a friend or relative to act as a caretaker while you're away. They could look after your home, manage your bills and forward any post.
Choose someone you trust. Your landlord could take steps to end your tenancy if occupiers or visitors to the property cause a nuisance.
It's a criminal offence to sublet your council or housing association home if you're a:
You lose rights to your home and risk eviction.
Private rented homes
Decide if it's realistic to try and keep your home.
Many private tenancies are short-term anyway but if you're serving a short sentence or on remand, you still need somewhere to live when you get out.
Landlords or agents may be happy for you to stay as long as the rent is paid. You don't have to tell them that you're in prison.
If you decide to give up your tenancy because you'll be in prison for a long time or can't pay the rent, make sure you end it properly or you could still be liable for rent.
Find out how to end a:
Eviction through the courts
The eviction process starts with a notice from your landlord or letter from your lender.
Get someone to check your post regularly and forward anything important while you're in prison.
If your landlord wants to evict you
You have stronger protection from eviction if you're a:
Repossession by a mortgage lender
Find out how to deal with mortgage arrears.
You may be able to avoid repossession if you can clear any mortgage arrears over a reasonable period.
Get legal advice before a court hearing
Act quickly if you're threatened with eviction or repossession:
A legal aid adviser can:
check if you have a defence to the eviction
write to your landlord, lender or court
refer you to a solicitor
It's important to get a legal representative before the hearing. Friends or relatives can't instruct a solicitor or speak for you in court.
Still need help?
Ask if you can speak to a resettlement worker in your prison.
Alternatively, you can:
Last updated: 6 November 2019