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Homes for Ukraine

The Homes for Ukraine scheme and your mortgage

The Homes for Ukraine scheme was launched on 18 March 2022 by the UK government. It enables UK individuals, charities, community groups and businesses to support Ukrainians fleeing the war by offering their spare rooms or vacant properties.

Individual ‘sponsors’ are asked to provide homes or a spare room rent-free for as long as they can, with a minimum stay of 6 months. In return, they can receive an optional £350 per month ‘thank you’ payment for up to 12 months.

Sponsors are only expected to provide accommodation. However, there is nothing stopping sponsors offering meals and other support if they want to.

Ukrainians arriving in the UK under this scheme will be granted 3 years’ leave to remain, with entitlement to work, and be able to access benefits and public services. Under the scheme they are called ‘guests’.

Over 150,000 people have already signed up to welcome someone into their home, and many of those people will have a mortgage. The Government has advised sponsors with mortgages to contact their lender. This is because hosting guests for 6 months or more is usually not allowed by the terms and conditions of a residential mortgage.

Make sure you comply with any requirements your home insurer has around hosting a guest in your property under the scheme. The Association of British Insurers has issued a helpful statement, which you can find here.

More about Homes for Ukraine
Metro Bank mortgage customers

Metro Bank mortgage customers

Metro Bank supports Homes for Ukraine, and we want to make it easy for our customers to be sponsors with no impact on their mortgage. We will do this by waiving our usual requirements around the letting and subletting of residential properties.

There may be some cases where we cannot support a customer who wants to be a sponsor, such as:

  • if their mortgage is in arrears
  • If their mortgage term has expired, or is very close to expiring
  • if their property is not suitable to host guests.

If we cannot support a customer’s request to be a sponsor we will explain why this is.

Is sponsorship right for you?

Is sponsorship right for you?

Please make sure you check the following before going ahead with sponsorship:

  • You will be hosting a non-paying guest, and your energy bills and other household costs will rise. Consider the impact on your finances, and your ability to pay your mortgage. The optional £350 ‘thank you’ monthly payment from the government may not be enough to cover the higher bills.
  • Make sure you comply with any requirements your home insurer has around hosting a guest in your property under the scheme.
  • If you are a leaseholder, check the terms of your lease to see whether you are allowed to host a long-term guest, and whether you must tell your freeholder.

Make sure you have read all the information available about the scheme and have fully considered what is expected from if you host a guest.

You can find helpful information and resources for money management at

If you are already struggling, or concerned about your ability to make your mortgage payments, please call us to discuss your situation. We want to help.

We will not review your financial situation or advise you on whether joining the scheme is the right thing for you. In giving our support we assume that you have carefully considered your ability to be a sponsor under the Government scheme, and you are confident you will be able to maintain your mortgage payments.

Contact us about being a sponsor

Call us

0345 319 1200

Please have your mortgage account number ready.

Email us

Please put your mortgage account number in the subject line of your email.

Please contact us if you’re thinking of applying to be a sponsor, or have already applied.

We will ask you a few simple questions about your current situation and what sponsorship means for you and your mortgage.