Paying rent, loans or mortgage during COVID-19

  • Yukon Housing Corporation clients
  • Residential renters and landlords
  • Mortgage payment relief ‒ traditional lenders
  • Student loans
  • Apply for assistance to pay your rent online

You may be facing financial hardship because of the COVID-19 pandemic. If so, visit the Government of Canada website to find some tips for handling your situation.

  1. Yukon Housing Corporation clients

    Rent

    Find out your options

    If you've lost income because of the COVID-19 pandemic, you may be able to have your rent payment reassessed.  Contact your community housing office by phone or email to discuss your options.

    How to pay your rent

    Whitehorse and some community housing offices will stay open. However, during the pandemic, we're avoiding cash transactions.

    You can make a payment by:

    • signing up for an Electronic Fund Transfer; or
    • arranging to come into an office to pay by debit.

    Remember, for all in-person interactions, Yukon Housing Corporation staff will maintain a physical distance of at least 2 metres (6 feet). Please respect this distance from staff and from other clients.

    Loans and mortgages

    If you're a Yukon Housing Corporation loan or mortgage client and you're unable to make your payment, you can request a deferral of your payment.

    If you have an immediate need for a deferral, please email your program officer.

    If you do not know who your program officer is, you can email your request ykhouse@gov.yk.ca.

    Timeline requirements for loans and grants clients

    Yukon Housing Corporation will extend deadlines for loans and grants if clients cannot meet their project's timeline.

    We're waiving the requirement for pre-approved loans clients to submit quotes for work to be done within 90 days.

    More information

    For questions about paying rent, loans or mortgages as a Yukon Housing Corporation client email ykhouse@gov.yk.ca or phone 867-667-5759, toll-free in Yukon 1-800-661-0408, extension 5759.

  2. Residential renters and landlords

    new time-limited regulation to the Residential Landlord and Tenant Act is now in place to support Yukoners and slow the spread of COVID-19.

    It only applies to:

    • tenants who've lost their income owing to COVID-19, through job loss or reduced hours; and
    • tenants who must self-isolate because they, or someone in their household, must follow a health protection measure.

    Regulation timeline

    This regulation is in effect from March 27 to June 23, 2020. The government can extend the regulation if needed.

    Key regulatory changes

    For as long as the Regulation is in effect:

    A landlord must not serve a tenant with notice to end a tenancy if the tenant did not pay or was late to pay their rent.
    A landlord cannot apply for an order of possession.
    The payment of rent is deferred until the day the tenant's able to pay rent or the Regulation is no longer in effect – whichever comes first.
    A tenant can also end a tenancy early without penalty by giving the landlord 30 days' notice.

    Required notifications

    If tenant can't pay rent on time

    If a tenant can't pay rent on time because of COVID-19 related job loss, the tenant must immediately notify their landlord and provide the following information:

    the reason why they're unable to pay rent;
    confirmation they’re unable to pay rent (Record of Employment or email from their employer that identifies the loss or reduction of employment);
    the date the rent's due and the amount due;
    the measures they're taking to access other sources of income; and
    the date when they expect to be able to pay the rent.

    If any of the above information changes, a tenant must immediately advise the landlord of the change.

    If there's a health protection measure

    If a tenant is placed under a health protection measure, they must immediately notify the landlord and provide the following information:

    • a statement confirming they're subject to a health protection measure; and
    • the date they expect the measure to be lifted.

    If the above information changes, a tenant must immediately advise the landlord of the change.

    What proof can a landlord ask for?

    • A landlord may ask a tenant to provide evidence that’s “reasonable.”
    • If the landlord is not satisfied with the evidence, they can apply to the Residential Tenancies Office to determine whether a term of the Regulation applies.
    • The landlord cannot ask a tenant to provide a certificate issued by a doctor or nurse practitioner. This is in place to ensure we do not overload medical system at this time.

    When can a landlord enter a unit?

    If a tenant gives a landlord notice that they or a member of their household is under a health protection measure, the landlord cannot enter the rental unit unless:

    • the landlord has an order from the Residential Tenancies Office;
    • the tenant appears to have abandoned the rental unit; or
    • there’s an emergency and it’s necessary for the landlord to enter to protect life or property.

    Filing of applications for dispute resolution

    When there's a health protection measure in place

    If a tenant has given notice that either they or a member of their household’s subject to a health protection measure, the time for either party to file an application for dispute resolution or make any other application does not start to run until the 4th day after the health protection measure’s lifted.

    When the tenant has experienced COVID-19 related job loss or reduced income

    If a tenant has given the landlord notice that they are not able to pay rent because they have experienced a job loss or reduction in income related to COVID-19, the time for either party to file an application for dispute resolution or make any other application does not start to run until the day after the Regulation is repealed.

    Serving documents

    • If 1 party has the email address for another, they may serve documents by:
      • sending them to that email address; and
      • mailing a copy by Canada Post to the other party's address.
    • The documents will be deemed served whichever comes first, either:
      • the date that the party confirmed receipt by email; or
      • five days after they were mailed.

    What if the landlord doesn’t believe the Regulation should apply to the tenancy?

    The landlord may apply to the Residential Tenancies Office for an exemption.

    The ‘health measures’ that this regulation applies to

    A “health protection measure” means any of the following as it relates to a tenant or a member of the tenant’s household and COVID-19.

    • A quarantine of the individual.
    • A restriction on the movement of the person or class of people, to and from the rental unit. A health officer imposes a restriction under the Public Health and Safety Act.
    • A restriction of an individual's movement. It is recommended by or is under the authority of the Chief Medical Officer of Health or the Chief Public Health Officer. It does not include physical distancing.
    • Hospitalization of the individual.

     

    For questions about the Residential Landlord and Tenant (COVID-19) Regulation email rto@gov.yk.ca or phone 867-667-5944, toll free 1-800-661-0408, extension 5944.

  3. Mortgage payment relief ‒ traditional lenders

    Who can apply?

    Bank customers who are:

    • in good standing; and
    • have been impacted by COVID-19.

    Visit the Canadian Bankers Association website to learn more about the program or visit your bank's website.

  4. Student loans

    The Department of Education will continue to support those who are attending:

    • post-secondary education; and
    • other training opportunities.

    Canada student loan or grant

    The Canada Student Loan Service Centre put measures in place to help students and recent graduates who have student loans.

    • Student loan repayment will be suspended until September 30, 2020.
    • Interest will not be charged to borrowers on their student loans from March 30, 2020, to September 30, 2020.

    These measures are only in place for federal student loans, unless your loan was issued by:

    • Newfoundland;
    • New Brunswick;
    • Ontario;
    • Saskatchewan; or
    • British Columbia.

    Find out more about measures for federal student loans.

    Yukon Grant

    Students will still be able to apply for the Yukon Grant as they normally would.

    Students can apply anytime using our online application.

    Processing applications for the 2020‒21 school year:

    • starts in mid-May; and
    • approvals typically start in June.
  5. Apply for assistance to pay your rent online

    This is an application for a grant to landlords on behalf of tenants in private market rental housing. It is available for tenants who have lost 30% or more of their income due to COVID-19 and live in the Yukon.

    Apply for assistance to pay your rent due to COVID-19