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The Second Lockdown Support

Job Retention Scheme

Business support available under the extended scheme, furloughed employees will receive 80% of their current salary for time not worked, up to £2,500 per month.

Businesses can top-up the employee’s furlough pay at their own expense if they wish to.

Employers will only be required to pay for national insurance and employers pension contributions.

Who Qualifies? 

To be eligible, employees must be on an employer’s PAYE payroll by 30 October 2020. This means the employee must have been paid by the employer, and that pay must have been reported on a RTI return before midnight on 30 October. Employees can be on any type of contract.

Local Grants 

Under a local Restriction Support Grant businesses premises forced to close in England will receive grants based on the rateable value of their business premises:

  • For premises with a rateable value of £15k or under, grants to be £1,334 per month.
  • For premises with a rateable value of between £15k-£51k grants to be £2,000 per month.
  • For premises with a rateable value of £51k or over grants to be £3,000 per month.


There is also increased support for the self-employed; the next SEISS grant will be given at 55% of average profits, and applications for those grants will open on 30 November

Travel Guidance 

Guidance on walking, cycling, and travelling in vehicles or on public transport during the coronavirus outbreak has changed to include safer travel guidance.


The deadline for the Bounce Back Loan Scheme applications has been extended to 31 January 2021.

The government has also announced top-ups for existing Bounce Back Loans. You can contact your lender for more details.

Mortgage Holidays

A reverse in due date on the Mortgage payment holidays will no longer take place in October. This will remain open for Borrowers who have been impacted by coronavirus and have not yet had a mortgage payment holiday will be entitled to a six-month holiday, and those that have already started a mortgage payment holiday will be able to top up to six months without this being recorded on their credit file.