London Daily

Focus on the big picture.
Monday, Oct 19, 2026

'Millions face hardship' as government support ends

'Millions face hardship' as government support ends

The end of a range of government support schemes could leave millions of people facing hardship, think tanks and political groups have warned.

Mortgage holidays and jobs furloughing are to end on Saturday, with other support measures starting.

But there are still gaps in support that need filling, some organisations have said.

The Treasury said it had put in place a number of generous support schemes for individuals and businesses.

The mortgage holiday scheme introduced at the start of the Covid-19 crisis ends on Saturday as does the job furlough scheme, which is being replaced by the Job Support Scheme.

It will leave a fifth of mortgage holders - around 1.6 million households - worried about paying their mortgage over the next three months, according to the Joseph Rowntree Foundation.

The poverty campaign charity said: "There is a real risk that mortgage-holders on low incomes will be pulled into poverty and hardship."

It said 890,000 working households with a mortgage expect to see a drop in earnings over the next month, but 85% of them - 750,000 households - aren't eligible for any government support with their housing costs.

"It's not right that during a time of huge uncertainty, many households are discovering that they are excluded from the only lifeline that could help meet their housing costs," said Darren Baxter, policy and partnerships manager at the charity.

The Joseph Rowntree Foundation wants the Support for Mortgage Interest payment to be reformed to help people who lose their jobs to keep their homes as they weather the coronavirus storm.

Self-employed 'face double hit'


Self-employed homeowners could face a double hit as their grants are reduced, the Labour party said.

"Self-employed homeowners are facing a perfect storm because the government has decided to abandon them just as we head into the winter," said shadow chancellor Anneliese Dodds.

"There's still time for the government to stop a bleak winter for Britain's self-employed workers.

"It must remove the mortgage cliff edge, fix the gaps in its income support schemes, and help people defer the cost of interest payments."

From November, self-employed people will be able to apply for a third grant under the Self-Employment Income Support Scheme (SEISS) to cover the next three months, worth 40% of their pre-virus trading profits.

But that figure is down from the 80% offered during the first grant and 70% during the second application period.



Renters 'hit'


People renting their home are more likely to have fallen behind with their housing costs than mortgagers, according to the Resolution Foundation, which campaigns on living standards.

Its research suggests nearly one-in-eight private renters and more than one-in-six social renters are currently unable to cover their housing costs in full.

"Renters are being particularly badly hit," said Lindsay Judge, research director at the Resolution Foundation.

"They are much more likely to have lost their jobs and significant numbers are only managing by cutting other expenditures, drawing down on savings or getting into debt in order to meet their rent."

She called on policymakers to ensure the social security system supports struggling families effectively over the coming months and take urgent action to avoid an increase in homelessness.

"But landlords might also need to recognise that as household incomes fall, rents are more likely to need to go down than up," she added.

Landlords ask for help


Landlords, however, have called on the government to give the sector extra help to protect those who are renting.

The National Residential Landlords Association warned that 300,000 renters could be at risk of losing their jobs as the furlough scheme closes.

It said renters under the age of 35 will face the brunt of the crisis as those who find themselves on benefits will only be able to claim for a room in a shared house.

"With rates of Covid-19 rising, we need to do everything possible to sustain tenancies," said Ben Beadle, chief executive of the NRLA.

"The government needs urgently to step in and fund renters who are struggling as a result of the pandemic."

Job Support Scheme


The Treasury said the new Job Support Scheme which starts on Sunday, combined with the Job Retention Bonus, will cover at least 95% of the total employment costs for average previously furloughed employee until February.

"The Job Support Scheme will continue to protect jobs throughout the difficult months ahead and is part of our comprehensive Plan for Jobs," said Chancellor of the Exchequer, Rishi Sunak.

The Treasury added: "The JSS and JRB are just one part of our generous package of measures, that includes the extended business grants and Self-Employed Income Support Schemes announced last week, which will continue to support businesses and livelihoods across the country over the winter months."

Newsletter

Related Articles

0:00
0:00
Close
Surging Cloned Number Plates Severely Complicate Traffic Enforcement and Police Investigations
Mounting Opposition Challenges Planned Rollout of Autonomous Taxis Across London
Influential Think Tank Urges Rejoining European Union to Navigate Geopolitical Crises
Government Review Recommends Slashing Benefits to Fund Youth Employment Initiatives
Senior Minister Shabana Mahmood Seeks New Law Enforcement Pact With European Union
Airbus Executive Warns Britain Risks Losing Crucial Role in European Space Industry
Exorbitant Electricity Costs Push British Steelmakers to Worst Competitive Position in Three Years
British Food and Beverage Exports to European Union Collapse by Over a Third Since Brexit
Up to Twenty English Maternity Units Face Impending Closure Due to Safety and Staffing Crises
Government Declares Severe Drought Across Southern England Following Record Dry Spell
Corporate Profit Warnings Reach Two-Year High Amid Middle East Conflict and Rising Costs
International Monetary Fund Warns Chancellor John Healey Against Proposed Bank Tax Raid
Northern Ireland Secures Favorable Agricultural Export Agreement with European Union
Scottish Government Approves Major Offshore Floating Wind Farm Near Aberdeenshire
High Speed Two Rail Project Faces Three Billion Pound Cost Escalation on Initial Phase
National Health Service Warns of Winter Capacity Crisis Across English Hospitals
Tata Steel Confirms Two Thousand Job Cuts at Port Talbot to Fund Green Transition
Global Microchip Developer Announces Three Billion Pound Semiconductor Plant in Cambridge
United Kingdom Artificial Intelligence Safety Institute Proposes Mandatory Licensing for Generative Models
United Kingdom Commits Additional Long-Range Weapons and Air Defenses to Ukraine
British Chancellor Overhauls Infrastructure Financing to Bypass Borrowing Constraints
Bank of England Holds Benchmark Interest Rate at Four Point Five Percent
First Minister Rhun ap Iorwerth Confirms Constitutional Discussions Over Welsh Independence During Initial Bilateral Call with Prime Minister
Labour Party Instructs Local Council Groups to Sever Power-Sharing Accords with Green Party Over New Controversial Policy Positions
Institute for Fiscal Studies Warns of Thirty-Five Billion Pound Fiscal Gap Ahead of Chancellor John Healey Upcoming Autumn Budget
House of Lords Backs Landmark Legislative Amendment to Decriminalize Abortion Across England and Wales
United Kingdom Defence Secretary Wes Streeting Travels to Pentagon for High-Level Strategic Talks Amid Escalating Tensions Over Ukraine and United States Policy Shifts
Bank of England and International Monetary Fund Officials Issue Urgent Warnings Regarding Potential Artificial Intelligence Financial Market Shocks
Reform UK Faces Severe Political Fallout and Scrutiny After Undercover Media Investigations Reveal Systemic Racism Among Candidates
Former Democratic Unionist Party Leader Jeffrey Donaldson Sentenced to Fifteen Years in Prison Following Landmark Child Sexual Abuse Trial
House of Lords Votes to Amend Schools Bill Implementing Comprehensive Social Media Ban for Children Under Sixteen Years of Age
International Monetary Fund Upgrades United Kingdom Growth Forecast for Two Thousand Twenty-Six While Warning of Energy-Driven Inflation Pressures
Competition and Markets Authority Launches Formal Inquiry Into Corporate Artificial Intelligence Partnerships
Automotive Industry Leaders Urge Westminster to Accelerate Electric Vehicle Charging Infrastructure Rollout
Home Office Expands Digital Border Security Framework With Mandatory Electronic Travel Authorizations Across United Kingdom
Northern Ireland Executive Reaches Final Consensus on Public Sector Pay Reform and Budget Allocations
Welsh First Minister Secures Additional Funding for Rural Agricultural Transition and Sustainable Farming Schemes
Scottish Government Unveils Accelerated Regional Infrastructure Strategy to Boost Clean Energy Manufacturing
National Health Service England Launches Emergency Recruitment Drive to Alleviate Severe Acute Care Winter Backlogs
Bank of England Monetary Policy Committee Signals Cautious Approach to Interest Rate Reductions Amid Persistent Wage Growth
British Government Finalizes Emergency Energy Support Package to Protect Households From Winter Price Surges
Russell Brand Trial Begins at Southwark Crown Court
UK Parliament to Debate Climate Risks and Council Tax Following Public Petitions
Department for Transport Demands Safety Audits Following Regional Rail Disruptions
House of Lords Scrutinizes Amendments to Armed Forces Bill
Devolved Administrations in Scotland and Wales Criticize Post-Brexit Funding Framework
Prime Minister Andy Burnham Defends Middle East Military Support Under Parliamentary Scrutiny
NHS Leaders Warn of Severe Pressure on Hospitals from Winter Virus Outbreaks
Retailers and Business Groups Lobby Chancellor for Relief from Rising Employment Taxes
City of London Taskforce Urges Radical Reform to Prevent UK From Becoming "Incubator Nation"
×