Being eligible for Universal Credit means you may get help with your rental payments and some service charges. Find out how UC claimants who are renting from a private landlord can benefit.
DO YOU QUALIFY? You may need to check the Universal credit eligibility criteria unless you already get it.
If you can get the housing payment it would get paid to you. So, you would need to pay it to your landlord.
Some claimants also qualify for help with other financial difficulties. If so, the extra support would come from the main Universal Credit payment.
Note: Check to see if you can apply for a Council Tax Reduction (often called Council Tax Support). Anyone who qualifies will get a discount on the bill.
Some 18 to 21 year olds who claim Universal Credit lost entitlement for help towards their housing costs. Check to see if you can get help to cover your rental payment and some service charges.
As a rule, you would get a reduced housing payment if your household includes someone who is aged 21 or older (unless it is your partner).
But, the payment does not get reduced if any of these apply to your situation:
Likewise, the reduction of the housing payment would not apply if the person who is 21 or older is (any):
The rate is lower if you do not live with a partner. In this case, the most you would get would be the rent for a single room in a shared house for your local area.
Note: The authorities call it the Local Housing Allowance shared accommodation rate (or SAR).
There is an online tool you can use to find the Local Housing Allowance rates in your neighbourhood. You would need to select 'shared accommodation' in the box marked 'bedroom number'.
You would qualify for more than the shared accommodation rate (SAR) if any of these apply:
Even though you can get help paying for housing costs under Universal Credit, there is a maximum amount you can get. They base the amount on where you are living, the size of your household, your income, and several other circumstances.
You can use the Local Housing Allowance bedroom calculator to work out how many bedrooms you qualify for.
The Universal Credit housing payment can cover the rent on two homes at the same time. But, it would only apply if (either):
What should you do if you fall behind on your rental payments? If this happens, you could set up an alternative payment arrangement (APA). It means they would send your housing payment direct to your landlord.
Note: Your landlord can make the application for an APA or you can discuss it with your work coach. Another option might be to apply for an advance or hardship payment from the main Universal Credit payment.
In some cases, your local council have the option to make a 'discretionary housing payment'. Contact your council to apply for extra help paying your rent.
Renting from a Private Landlord and Claiming Universal Credit