Martin Lewis put the nation's questions to Rishi Sunak on Thursday, after the Chancellor delivered huge financial changes affecting almost every single person in the UK this week.

The consumer expert challenged the Chancellor on the fourth and fifth self-employed income support schemes which he said would launch later this year.

In the aftermath of the Wednesday's speech, Lewis said he heard from floods of people who could face homelessness after being told to wait until April to apply for the next scheme.

"The fourth self-employment grant will open from April," Martin Lewis said.

"It will pay the same - 80% of average earnings, except this time 2019 to 2020 tax returns will be included.

"Then there will be a fifth grant - which will be three months of average profit and available from July."

The scheme starts in February - yet people won't be able to claim it until later in the year

This time it will depend on the self-employed business's recovery, so anyone whose turnover has dropped by 30% or more will get the full grant, again worth 80% of three months' average trading profits up to £7,500.

A 30% grant will then go to anyone whose turnover whose fallen by less than 30%, capped at £2,850.

"Why isn't the fourth grant available yet?" Lewis asked the Chancellor.

"By April, some people will have no money, people have told me they will be homeless by then."

The Chancellor blamed the delays on bureaucracy.

"There's a simple reason. If the grant covers the February to April period, we will need to see their full incomes up to that period.

For the first time, people who filed a tax return in the 2019-2020 tax year will be included

"This time we are also making an improvement in access to the grant so we need tax figures for the 2019-2020 years. As a result, we need a bit of extra time to process that."

Lewis said: "Is there any chance you can take a look at bringing that date earlier?"

The Chancellor said HMRC is currently processing millions of claims - suggesting a sooner date is highly unlikely.

"The important thing is in order for us to process the millions of claims and returns we get in and to get the grants out, we need that time," he said.

Asked whether he would backdate support for people previously locked out of the scheme, Rishi Sunak said no.

"We'd have to back-date everyone and that's simply not possible," the Chancellor said.

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He was then asked why limited company directors are once again excluded from support.

"Why on earth have you excluded limited company directors yet again? We were teetering on the edge and you just threw us overboard," Lewis said, reading out one viewer's question.

Sunak responded: "Well first of all, I wouldn't think it's fair to say that they're completely without support.

"There's so many different things we've done...they could be furloughed for their PAYE income. Their business may be able to benefit from a bounceback loan and in their personal situation they may have been able to benefit from a six-month mortgage holiday and also there’s all the other welfare changes we've made.

"So there’s a lot going on there, but the simple thing with directors, it's been a real challenge and I, my team, my ministerial colleague have met with groups and looked at options and there just isn’t a workable option.

The Chancellor was then asked why limited company directors are once again excluded from support

"I'll give you one stat, Martin that hopefully for the people who are watching and listening to understand this, and that's that companies owner managers, there’s no official definition of what that is.

"We think and as you’ve said there’s maybe around 600,000 of those people but we don’t actually know because there’s no official way that we know and I’ll tell you this, we get 3.3 million dividend tax returns.

"And we have no way of differentiating between the 3.3 million and the 600,000, if that is indeed the right number, so if we did provide support it would mean that three out of every four pounds of the taxpayer going out would not be going to the right people.

"And that is the challenge that we've been grappling with and we just haven't, there is no way to square those two things."

We've got a full guide on how the two new SEISS work, here.