One in five Australians say pressure to pay the bills at the height of the COVID-19 pandemic, when the nature of jobs drastically changed, adversely affected their mental health, a survey has found.

Researchers from the University of Sydney and Australia's Mental Health Think Tank surveyed more than 1000 Australians over the past two years.

The participants ranged in age from 18 to 89 and answered questions about their mental health experiences during the height of the pandemic when lockdowns were the norm.

The responses, published in the journal PLOS ONE last month, found the pandemic had "pressurised" existing triggers for poor mental health by amplifying financial stress and reducing social support and connection.

About 20 per cent of participants said financial hardships, with rampant lay-offs and the inability to work from home in frontline jobs, forced many to work while sick with the virus and affected their mental health.

Almost 10 per cent of participants said the pandemic fragmented their social networks, which in turn led to them feeling more isolated and disconnected.

Melbourne was one of the most locked-down cities globally, with people there enduring more than 260 days confined to their homes.

Many in the survey, conducted in July to December 2020, and March and June 2021, said the prolonged break in connecting socially with people had a long-term impact on getting out again and mixing with the outside world.

Lead author Marlee Bower said the mental health experiences of the general public were largely unknown.

With prolonged lockdowns, many sought mental health support for the first time but faced multiple barriers.

"Many respondents said accessing the current mental health support system was expensive and difficult to navigate," she said.

It was "compounded by the community and political stigma about what it means to be unemployed, receive welfare or mental health support".

She noted how an "already overloaded mental health sector" was stretched, with "fewer available spots for new patients and long waitlists".

The researchers argued a more holistic approach across various government departments was needed for mental health policymaking.

LATEST 24-HOUR COVID-19 DATA:

NSW: 7825 cases, 10 deaths, 1283 in hospital with 38 in ICU

Victoria: 9519 cases, 25 deaths, 522 in hospital with 29 in ICU

Queensland: 4257 cases, 15 deaths, 312 in hospital with 12 in ICU

NT: 254 cases, no deaths, 14 in hospital with none in ICU

Tasmania: 667 cases, no deaths, 38 in hospital with none in ICU

WA: 7720 cases, eight deaths, 283 in hospital with 15 in ICU

SA: 2995 cases, no deaths, 237 in hospital with five in ICU

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