What changed to benefits on 6 April? What you need to know

From 6 April, a number of changes to benefits came into effect across the UK-some small, some more significant. But many families may not yet realise how these updates could impact their day-to-day finances.

One of the most visible changes is a slight increase in Child Benefit, with payments now standing at £27.05 per week for your first child and £17.90 for each additional child. While any increase is welcome, for many households it’s quickly absorbed into the rising cost of essentials like food, energy and school expenses.

For many families, Child Benefit provides a regular and reliable foundation for their budget—but it doesn’t always stretch far enough to cover larger or unexpected costs.

Alongside this, a more significant change has taken place within Universal Credit. The two-child limit has now ended, meaning families can receive support for all children living at home, rather than being restricted to the first two. For some households, this could make a meaningful difference to their income. However, the overall benefit cap still applies, which may limit how much some families receive.

Taken together, these changes reflect what many people experience each April—a reset in household finances. While some income increases, everyday costs continue to rise, and the gap between the two doesn’t always close.

In real life, this gap often becomes most noticeable at key moments throughout the year. Back-to-school periods, Christmas, replacing a broken appliance or dealing with an unexpected bill can all put pressure on even the most carefully managed budget. These are the times when families often need a bit more flexibility.

That’s where having the right support in place can make a real difference. A Family Loan from Boom Community Bank is designed specifically for families, including those who receive Child Benefit, to help manage those larger or unexpected expenses.

Rather than trying to cover everything at once, many families use a Family Loan to spread the cost of essentials—whether that’s school uniforms, household bills or urgent repairs—repaying in a way that works alongside their regular income.

Unlike high-cost credit, it offers a safer and more affordable option, with fair repayments, no hidden fees and support from a trusted, community-based lender. It’s not about replacing the support you already receive—it’s about helping your money go further when you need it most.

The changes introduced on 6 April are a positive step, particularly for larger families who may now receive additional support. But they’re also a useful reminder to take stock of your finances. Because even with increases in support, many households still need a way to manage the moments when costs don’t line up with income.

Taking a little time to review your situation now could help you feel more prepared for the months ahead—and ensure you have the right support in place if and when you need it.