FINANCIAL aid which was due to end has now been extended as England enter a second lockdown.

Leave and breaks in mortgage and credit card repayments are part of support programs made available at the height of the coronavirus crisis and were due to end on October 31.

But with the foreclosure expected to impact the finances of millions of people, many of these programs will continue to offer support to anyone in financial difficulty.

Here we have put together the support you will find in the future and how long it should last.

1. Leave

What is that?

Government money covers the salaries of people who cannot work because of the coronavirus.

Workers on leave will receive 80% of their salary up to £ 2,500.

What changed ?

The leave was supposed to end on October 31, but it will now run until November.

Previously, employers had to cover part of the wages, but they will not do so in the latest version of the leave, although they have to cover national insurance and pension contributions.

After that ?

The Job Support Scheme, which covers the salaries of those who can work but work fewer hours, was to replace the leave in November.

Now it will be pushed back and the extended leave is expected to end on December 2 with the lockdown ending.

However, as with the original October 31 end date, any change in lockdown and coronavirus infection rates could change that.

Get full details of the extended leave plan, including eligibility.

2. Self-employed workers’ exchange

What is that?

For the self-employed, there have been grants that mean they receive money from the government when they lose their jobs due to Covid.

The next grant is expected to cover from November to January and will now amount to £ 5,160.

It can be claimed from November 30.

What changed ?

The grant was doubled for November to 80%, from 40% of profits with a maximum of £ 3,750 first pledged by the government in October.

40% of profits will remain up to £ 3,750 for December and January.

After that ?

There is another grant coming up that will cover the months of February through April, but an amount has not been set.

Learn more about the Self-Employed Income Assistance Scheme (SEISS) and how to apply.

3. Mortgage leave

What is that?

Anyone with a mortgage can request a payment break of up to 6 months if they are in financial difficulty.

Its temporary and you still have to pay back what you owe.

This could mean paying off more in the long run because the interest continues to accumulate or you pay it off over a longer period of time.

But it does give a lot of people a break, and this payment holiday won’t negatively impact your credit report.

What changed ?

A global offer of payment holidays was due to end on October 31.

Support would still have been offered by lenders after that date, but it would be tailored to individuals on a case-by-case basis and could have affected credit scores.

Instead, this holistic approach will continue.

And after?

Anyone in financial difficulty should contact their lender, and other supports may be available as well – never stop paying your mortgage.

Anyone who has never taken a break can apply, while those who have taken a 3-month break can request an additional three-month break.

Anyone who has already taken a 6-month break will not be eligible but will find other support from their lender.

The deadline to request a break is January 31, 2021.

Here’s what you need to know about the new mortgage holidays.

4. Credit card and debt repayment breaks

What is that?

People with loans, credit cards and other types of credit can take payment breaks to ease the strain on their finances caused by the coronavirus.

Including:

• credit card
• automobile financing
• personal loans
• stores and catalog cards
• buy now-pay-later programs
• rental policies with option to purchase
• payday loans

Anyone who has not suspended payments before will be able to request a break of up to six months.

What changed ?

Interruptions in payments were due to end on October 31 and be replaced with more personalized support from lenders, which could have included an interruption but could have included other support.

Instead, general availability of breaks will continue due to the second lockdown.

But while a payment break is not recorded as a missed payment on credit reports, lenders can factor in a break when making loan decisions in the future.

And after?

Anyone can request leave until January 31, 2021.

Your lender should explain the implications of a break, which can mean you pay more in the long run as interest continues to accrue.

Learn more about the pause in repayments.

5. Prohibition to repossess the home

What is that?

There is a repossession ban that will last until January 31, 2021.

This means that anyone in financial difficulty is not at risk of losing their home during foreclosure or during the winter.

What changed ?

Since the height of the pandemic, repossessions have been prohibited.

It was due to end on October 31, but the financial regulator decided to extend it due to the second lockdown.

After that ?

Anyone struggling with arrears or repossession, now or in the future, should contact their lender as soon as they can.

Charity Shelter also has resources to help if you find yourself in this situation.

6. Universal credit

What is that?

Anyone who is self-employed and claims a universal credit will be exempt from the minimum income floor.

This means that when their earnings change from week to week, they will still receive the UC benefits to which they are entitled.

What changed ?

The minimum income threshold was suspended at the height of the pandemic and was due to be reinstated from November 12.

Corn now the government has said it will extend the suspension until the end of April next year.

And after?

Universal credit is not just for the unemployed – those who have a job but have a low salary may also be eligible, including the self-employed.

Low-paid workers are believed to be miss up to £ 21,000 per year.

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