This page is about steps you can take to look after yourself and your family financially during the COVID-19 pandemic
Information on this page:
Please click the links below to visit each section
Five changes you need to know about
- Most State and Territory Governments made changes to the rental laws to protect people financially impacted by the pandemic. These changes included limiting evictions and bans on rent increases.
- However, these measures have ended in all jurisdictions except for South Australia which has extended their protections to 31 May 2021 (details below).
- Some State and Territory Governments have put in place rules that provide limited protections against eviction for tenants with COVID-induced arrears.
- Under these transitional protections, COVID impacted tenants will have an opportunity to negotiate a formal repayment plan with their landlord to repay the arrears accrued during the Moratorium Period.
- Rent relief payments (one-off payments to assist with rent) may also be available in some States to assist with COVID-induced arrears.
What do the changes mean?
It means that if you have COVID-induced rental arrears then you will need to put a formal repayment plan in place with your landlord in order to avoid being evicted.
There are four main steps
Do you have accrued arrears because of the pandemic?
If you have been financially impacted by the pandemic, and you have COVID-19 induced arrears then you need to take action.
- You need to make a formal repayment plan with you landlord to deal with your arrears.
- If there are special rules in your State or Territory then you will generally be able to repay your arrears to avoid being evicted. These rules are only in place for a set time however (called the transition period).
- Contact the landlord or the agent and let them know that you want to negotiate a repayment plan. You need to be formal and make sure all your contacts and negotiations are in writing so you have a record of what happened.
- Prepare a financial statement to support your repayment plan. See “How to work out what you can afford to pay” below.
If you can afford to pay something
Even if you are still negotiating with your landlord or agent, start paying the additional amount you can afford in addition to your regular rent payment and let your landlord or agent know.
If you can’t afford to pay anything
Call us on 1800 007 007 straight away for advice.
- Depending on what State or Territory you live in you may be eligible for other assistance such as Rent Relief grants and Utility Relief schemes. Check your State or Territory Government websites below for specific details and further announcements.
If you are not affected by the pandemic but need information on rent, check out our general information on rent.
Check out the protections for your State or Territory online
The table below shows what protections each State and Territory has (or has not) put in place:
- Restrictions that limit evictions (Moratorium Period);
- Restrictions that limit rent increases;
- Rules to limit eviction of tenants with COVID-induced arrears (over a transition period)
There may be additional protections and assistance so do check out the links below for more information.
|State/ Territory||Limiting evictions||Rent increases banned?||More information|
|ACT||Transition Period measures end on 30 April 2021 unless extended||Expired 22 Oct 2020||Information for tenants|
|NSW||Transition Period measures end on 26 September 2021||Expired 15 Oct 2020||COVID-19 Residential tenancy Renters’ Guide to COVID-19|
|NT||None to date||None to date||No specific assistance|
|QLD||Eviction moratorium ended 30 September 2020. Some provisions extended to 30 April 2021.||No||COVID-19 Changes|
|SA||Yes. Extended to 31 May 2021||Yes. Extended to 31 May 2021||Rental advice due to COVID-19|
|TAS||Ended 31 Jan 2021||Ended 31 Jan 2021||Residential tenancy – Changes to residential tenancies in Tasmania during COVID-19|
|VIC||Ended 28 March 2021||Ended 28 March 2021||Housing Victoria – Help with Renting COVID-19 Guide for Renters|
|WA||Ended 28 March 2021||Ended 28 March 2021||Residential Tenancies – COVID-19 response|
Contact your local free tenancy service (when needed)
Get advice about what to do in your circumstances. Your local tenancy service will know exactly what is happening in your area and give you tips on how to negotiate with your landlord and what to do if you cannot agree. Do not hesitate to keep calling your tenancy service for help when needed.
New South Wales – Tenants’ Union of NSW
Northern Territory – Tenants’ Advice Service, Darwin Community Legal Service
Queensland – Tenants Queensland
South Australia – Tenants’ Information and Advisory Service
Tasmania – Tenants’ Union of Tasmania
Victoria – Tenants Victoria
Western Australia – Tenancy WA
Speak to one of our financial counsellors
If your problem still hasn’t been solved, or you’re feeling overwhelmed, call us on 1800 007 007 to speak with one of our financial counsellors.