Home improvement grants and loansHelp to to repair, improve, maintain or adapt your home
What does it do?
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
dampness from rising damp
the risk of falling due to disrepair or missing railings
Who it is for?
some homeowners and some private tenants receiving benefits
Where it is available?
How to access or apply for it:
How to apply
To apply you must meet all the following criteria, you must:
be 18 years or over
be a UK citizen or applying through a registered UK company
have no outstanding debts with us
not have had Council action taken against the property you’re seeking a grant for
undertake a financial means test
submit a complete grant application
be an adult applying on behalf of a child - when applying for a disabled facilities grant for a child
With your grant application, you must usually send:
a signed and dated application form
quotes from three different contractors - no more than six months old – that itemise and cost works. If a contractor doesn’t have a VAT number, they must provide a signed declaration to confirm their annual turnover doesn’t exceed the VAT threshold
any quotes for supplementary services, such as architect or surveyor fees if they’re included in the grant applied for
a signed owner’s certificate and or a landlord permission form, or a signed tenant’s certificate (as applicable to the grant) (Our team will provide owners and tenants certificates and Landlord permission forms.)
What to expect then:
If you plan to carry out the work yourself
You can carry out the work yourself as long as you are competent to carry out the works. You must be able to show that you are accredited with a relevant trade body like NICEIC, Gas Safe or Federation of Master Builders. If you do the work yourself we will only cover the cost of materials through the grant.
Please note that you must not carry out any work prior to receipt of approval of the grant from the council, as no grants will be paid on works already started or completed.
Disabled facilities grant
Who can apply
If you are a homeowner or a tenant and you need to adapt your property to meet the needs of a disabled person, you can apply for a grant of up to £30,000.
Your property can be a house or flat, qualifying houseboat or park home or you could be adapting the common parts of a building with one or more flats.
To apply you must:
meet our standard rules for grant applicants (you will need to read our page ‘Grant applicants - standard rules and conditions’)
have a written assessment from an Occupational Therapist saying that the proposed work will meet the needs of the disabled person
provide information on your income and savings
Unless the adaptations are for a child, we may ask you to contribute towards the costs. This will depend on the income and savings of the disabled person’s household.
If the total cost of the works comes to more than £30,000, we may apply a means-tested discretionary top-up. This means we may ask you pay the extra costs (those over £30,000) when the property is eventually sold.
If you sell the property
If you sell the property within 10 years of the adaptations we paid for, we can ask you to repay some of the money if the grant was over £5,000. Subject to the grant not being more than £30,000 the maximum we can ask you to repay is £10,000.
Apply for a grant
Contact us to discuss applying for a disabled facilities grant.