If the housing benefit you receive at the moment doesn’t cover all your rent and other charges, you may already be paying your landlord the difference between the housing benefit you receive and the total rent. If you are affected by the new 'bedroom tax' rules, the amount you pay may go up, but you will pay your landlord in the same way.

Until now, housing benefit may have covered the full cost of your rent. But from April 2013, being classed as ‘under-occupying your home’ will mean that you will receive a reduced amount of housing benefit. You will have to start paying start some of your rent yourself or have your local council help you with discretionary housing payments. You can also think about taking in a lodger under the rent a room scheme.