b"If theres going to be a big impact, and I suspect there will be, it will be in November, December, when all the furloughed people leave their jobs. And the one-person businesses who will be hit really badly. And thats our target market for shared ownership as well. I think theyre going to be hit really badly. (Interviewee 4)None of the interviewees were aware of any reverse staircasing. Few were keen to encourage it, but said that support would be tailored to the circumstances of particular households if they started to struggle:We get requests for it reasonably regularly, but we've got quite a tight line on it. It takes up quite a lot of our resources. It either gives people the ability to treat us like a bank, or involves really complex bureaucracy working out whether somebody deserves it or not. (Interviewee 2)Providers were asked what measures they would put in place to support their shared owners impacted by the pandemic. Communication between struggling shared owners and providers was seen as important:I think we can only really do our normal processes of being very clear that people need to contact us and talk through their situation. But if they're in contact, then we can look at ways to agree different payment plans, we can understand their circumstances, help link them up to welfare advice. (Interviewee 2)One provider was keen to stress the effort that they would make to support shared owners who began to struggle financially:To support shared ownership customers who are struggling, well flip tenures back to rented if they are having problems. Well buy their share back, or work out a plan with them. Maybe build debt against the equity. Its a blip. We want to get people through the blip, rather than punishing them through the blip. Were a housing association, we dont want to evict people. The support will be bespoke to each household, whats best for them. We wont advertise the option, but if we see people struggling, we will go to them. And they will know its not about harassing them, its not about evicting them, its about how to get it fixed. (Interviewee 4)However, one lender suggested that some providers were keener to provide bespoke help and support to struggling households than others:19"