An interest free grant or loan of up to £10,000 is available to some homeowners and some private tenants receiving benefits.

The loan or grant needs to improve the condition of the property. To apply you'll need to:
be over 18
have a registered interest in the property
have cleared any debts with us, so you shouldn't owe any Council Tax or other charges

A means tested benefit means your income and capital are taken into account. 

If you don't get a means tested benefit, you could still apply for a grant towards the cost of the works. But you will need to pay for half of the costs yourself. For example if the renovations cost £20,000, you can apply for a grant of up to £10,000 towards the costs of the work. When you apply we will check to see whether you meet our criteria (check list). We will look at:
- the needs of the people living in the property
- whether you or they are vulnerable 
- the state of the property 

Loans of up to £10,000

If you don't receive a means tested benefit, you could apply for a home improvement loan. The loan is given to cover works up to £10,000. When you apply we'll check to see whether you meet our criteria (check list). We'll look at:

- the needs of the people living in the property
whether you or they are vulnerable 
the state of the property 
Use of the loan or grant

The grant or loan has to be used to make your property dry, safe, warm and secure. The works should repair a major problem in the property (a hazard) such as:
excess cold due to failed or inefficient heating
structural failure - such as holes in the roof, rotten window or door frames
dangerous electrics
dampness from rising damp
the risk of falling due to disrepair or missing railings