As the UK grapples with high inflation and rising living costs, millions of households are feeling the squeeze. From food prices to energy bills, the pressure is real. To provide some financial relief, the UK government has extended the Household Support Fund (HSF)—a key program now offering £300 Cost of Living Payments to eligible families and individuals across the country.
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These payments are being distributed through local councils between June and July 2025, helping the most financially vulnerable citizens cover essential expenses. In this guide, we’ll explain everything you need to know: who qualifies, when the payments are issued, and how to claim yours.
What Is the £300 Cost of Living Payment?
The £300 Cost of Living Payments are part of a government-funded support program called the Household Support Fund, backed by the Department for Work and Pensions (DWP). Originally introduced in 2021 and now extended through March 2026, the HSF is aimed at helping low-income families and individuals struggling with basic needs due to inflation.
While the fund is managed at the national level, the actual distribution is handled by local councils. This means the eligibility rules, application process, and exact payment amounts may vary depending on where you live.
Who Is Eligible for the £300 Cost of Living Payments?
Eligibility for the £300 Cost of Living Payments is set by your local council, but there are common qualifying conditions seen across most areas:
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Households receiving Universal Credit, Housing Benefit, or Pension Credit
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Families eligible for free school meals or receiving Child Benefit
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Individuals on disability-related benefits such as Personal Independence Payment (PIP) or Disability Living Allowance (DLA)
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Low-income households, even if they are not currently receiving formal benefits
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People experiencing temporary financial hardship, such as job loss or sudden increase in bills
If you’ve previously received support and your circumstances haven’t changed, you may be paid automatically. Otherwise, you may need to apply and submit supporting documents. £300 Cost of Living Payments
Payment Amounts and Distribution Schedule
Most councils are offering up to £300 per eligible household, although this amount can differ depending on local funding. The distribution period for these payments has been confirmed as:
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June to July 2025 – First phase of payments, generally for food and essential household items
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December 2025 – Second phase targeting winter heating and energy costs
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March 2026 – Final deadline to distribute remaining funds under this extension
Each payment is typically a one-off or short-term series and will not impact your current benefits or entitlements.
Also Read – Canada’s $430 Rent Relief in 2025: Full Guide to Eligibility, Dates & How to Claim
How Will You Receive the £300 Cost of Living Payment?
There are two ways you may receive your £300 Cost of Living Payment:
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Automatic Deposit – If your local council already has your information and you qualify, they will transfer the payment directly into your existing benefit account.
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Manual Application – If not, you’ll need to submit a simple application on your local council’s website. Required documents may include:
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Photo ID (passport or driver’s license)
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Proof of benefit receipt (Child Benefit, Universal Credit, etc.)
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Recent bank statements
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Utility or rent bills
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Once processed, your payment may appear in your account with a reference like “HSF Support” or something similar from your local authority.
Local Support Examples
Here’s how a few councils are structuring their £300 Cost of Living Payments in 2025:
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Calderdale Council: Offers £85 per child in qualifying families and £40 for single residents. No benefits proof required for some applicants.
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Manchester City Council: Pays £130 to households on Council Tax Support or disability benefits.
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Kent County Council: Distributes supermarket vouchers worth £90, especially targeting families referred by schools or health services.
It’s important to visit your local council’s website or contact them directly to confirm specific eligibility rules and amounts in your area.
Do You Need to Apply?
In some areas, no application is required. If your council already has your details on file and you meet their criteria, the payment will be sent automatically. However, in many cases, especially if your circumstances have changed recently, you must apply online through your local authority’s Household Support Fund portal. £300 Cost of Living Payments
Will the £300 Cost of Living Payments Affect My Benefits?
No. The payments from the Household Support Fund are not counted as income, so they will not affect any existing benefits like Universal Credit, Tax Credits, or Housing Benefit. These payments are designed to complement your benefits, not replace them.
What If You Haven’t Received Your Payment?
If you believe you’re eligible but haven’t received your £300 Cost of Living Payment by mid-July 2025, take these steps:
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Check eligibility dates to make sure you were receiving qualifying benefits at the time
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Verify your contact and banking information with your local council
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Apply manually if no automatic payment has been issued
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Call your council’s support line for guidance on your application status
Final Thoughts
The £300 Cost of Living Payments being distributed before July 2025 offer timely help for households stretched thin by inflation, energy costs, and rising food prices. Whether it’s covering groceries, school supplies, or utility bills, this payment can provide real relief during difficult times.
Even if you’re not receiving traditional benefits, your local council may still consider you eligible based on your financial situation. Don’t assume you don’t qualify—check your local authority’s website, gather your documents, and apply if needed.
For millions across the UK, this fund is more than financial assistance—it’s a lifeline, a sign of support, and a step toward economic stability. £300 Cost of Living Payments
FAQs
Q1. Who qualifies for the £300 Cost of Living Payments?
A: Households on Universal Credit, Pension Credit, Housing Benefit, Child Benefit, and other low-income support may be eligible.
Q2. When will the £300 payments be made?
A: Between June and July 2025 for essentials, with additional payments in December 2025 for energy support.
Q3. Do I need to apply?
A: In some areas, payments are automatic. Others require an online application through your local council.
Q4. Will it reduce my benefits?
A: No, it’s a separate one-off support payment that doesn’t affect existing benefits.
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