Universal Credit if you're homeless
Updated 2 January 2025
You can still apply for Universal Credit if you鈥檙e homeless.
You do not need a fixed address to claim Universal Credit
You can claim聽Universal Credit聽if you have no permanent address, you鈥檙e sleeping rough, sofa surfing or staying in a hostel.聽
If you do not have a fixed address
If you have no permanent address, you could use the following as your 鈥榗are of鈥� address when you apply:
- the hostel you鈥檙e staying in, or last stayed at
- a friend or family member you trust
- a day centre
- 测辞耻谤听
What you need to apply
To apply for Universal Credit, you鈥檒l usually need:
- a bank, building society or credit union account
- internet access
- an email address
- your National Insurance number
- proof of identity
However, if you do not have access to these, help is available if you:
- do not have a bank account
- do not have internet access
- do not have an email address
- do not have proof of identity
- do not know your National Insurance number
If you do not have a bank account
The jobcentre can advise you of support available to open a bank account. Many banks offer basic bank accounts.
罢丑别听Payment Exception Service聽allows you to collect benefit payments without a bank account. The service is聽only聽available if you cannot open a bank, building society or credit union account.
If you do not have internet access
You can聽apply for Universal Credit online. If you do not have access to the internet you can go to a library or jobcentre to use the computers.聽
Find your nearest library with IT facilities.
If you cannot claim online, you can claim by phone through the聽Universal Credit helpline.
If you do not have an email address
You can get help to set up an email address at your jobcentre or by using the聽Citizens Advice Help to Claim service.
Many services do not need a phone number for you to verify your new email address. So do not worry if you do not have a mobile phone.聽
If you do not have proof of identity
We can confirm your identity at an appointment at a jobcentre using a set of security questions.
If you do not know your National Insurance number
You can still apply for Universal Credit if you do not have a National Insurance number or do not know it. The quickest way to find it is on a document such as a pay slip or P60, online through a personal tax account or in the HMRC app.
Your responsibilities while claiming Universal Credit
驰辞耻谤听claimant commitment聽sets out what you鈥檝e agreed to do to prepare for, or look for work in return for receiving Universal Credit. It is tailored to your situation and reviewed regularly.
You must do everything you agree to in your commitment or your Universal Credit payment could be reduced or stopped. This is called a sanction.
Tell us about your situation
It may be difficult to talk about challenges you鈥檙e facing, such as addictions or poor mental health. You should also tell us if you鈥檙e struggling with the tasks in your claimant commitment.
It鈥檚 important you鈥檙e open with us about your situation so we can support you and review your claimant commitment if necessary.
If you鈥檙e homeless or at risk of homelessness we may be able to
- reduce the amount of time each week that you should be looking for work
- change the type of activities you鈥檙e expected to do
This temporary pause is so that you have time to look for somewhere to live.聽
We can also refer you to 测辞耻谤听local council聽who may be able to help you find somewhere to live.
Report a change in circumstances
You can聽report a change of circumstances听产测:
-
signing into 测辞耻谤听Universal Credit online account
-
telling us in person at a jobcentre or by phoning the聽Universal Credit helpline.
Help and support
Universal Credit support towards housing costs
If you鈥檙e eligible for Universal Credit you can get help towards your rent. If you rent from a private landlord the amount of housing support you get depends on who you live with, how old you are and where you live.聽
For example, if you鈥檙e under 35 and do not have a partner or children, you鈥檒l usually only be able to聽claim for聽a single room in a shared house.
You may be able to get more than this if you have a history of homelessness or rough sleeping and have stayed in a hostel for homeless people for at least 3 months in total. There may also be other circumstances where you can get more help.
Find out more about聽help with housing costs if renting from a private landlord.
Contact us to find out more, by:
- adding a note to your journal in 测辞耻谤听Universal Credit online account
- telling us in person at a jobcentre or by phoning the聽Universal Credit helpline.
Housing Benefit
If you鈥檙e staying in a hostel, you can get聽Housing Benefit聽to help with rent.
Help with your claim
There are 2 ways to get help with your Universal Credit claim. You can either call the Universal Credit helpline or use the Help to Claim service.
Universal Credit helpline
Calls to the Universal Credit helpline are free.
Find out how to contact the Universal Credit helpline.
Help to Claim
You can get free support from trained advisers to make a Universal Credit claim. They can help you make your application and support you聽until your first complete correct payment is in place.
You can talk to them on the phone, online over chat or using the British Sign Language service.
The Help to Claim service is provided by Citizens Advice and is confidential. They will not share your personal information unless you agree.
Other financial help
We can refer you for budgeting support and debt advice if you need it.
Help while waiting for your first payment
Your claim starts on the day you submit it in your account.聽However,聽it usually takes around 5 weeks to get your first payment.
If you do not have enough to live on while you wait for your first Universal Credit payment, you can ask for an聽advance payment聽after you鈥檝e made a claim. You will need to pay this back. Your Universal Credit payments will be lower until it鈥檚 repaid.
More frequent Universal Credit payments
Universal Credit is paid monthly. If聽you鈥檙e struggling with the single monthly payment, ask us about setting up more frequent payments.聽