UK Home Improvement Grants; The Facts
Home Improvement Grants & Loans
There are several types of government based Home Improvement Grants and Trusts available to a wide range of people.
These Home Improvement Grants, Loans and Trusts are open to private home owners and private sector tenants, not council home owners as you may think.
There are Home Improvement Agencies/ Trusts here in the UK that can assist certain groups of people, namely; vulnerable home owners and private sector tenants that are of the older generation, disabled or on a low income. Assistance comes in the form of ensuring the house they live in is safe and sufficient for them.
The Grants and Trust can help pay towards general home repairs or adaption’s, however; the assistance provided to you is purely at the discretion of your local authority. The highest level of assistance comes within the Disables Facilities Grant, helping pay for changes to a person’s home so they can continue to live independently, for example, installing a stair lift in an elderly person’s home, or to adapt a home for a recently disabled person, so they can continue to live in their own home and surroundings.
There are restrictions placed on these Grants and Trust and they are at the discretion of your local authority – the maximum grant the council is required to pay is £30,000.00.
You may not be aware, but your local council has a Legal responsibility for the condition of all housing within its area, rented and privately owned included.The councils housing department can arrange an inspection of your home to ensure it is safe to live in for you and your family.
Who can get a Home Improvement Grant?
1) Private Home owners
2) Private Tenants
Where to get the help for your Home Improvement assistance?
Your income and any savings you may have will affect how much level of Grant you may get and the payment of any grant from your Local Authority is at the discretion of the Local Council.
Your Local Authority can provide persons with a Grant or a Low-cost Loan; they can also assist in releasing some of the equity in your home to help with repairs, adaptions and/or improvement. Your Local Authority can also simply provide impartial advice and information on repairs.
2) Home Improvement Trust/Agencies: can assist you with the same provisions of the Local Authorities Grant, i.e. with necessary repairs, adaptions and/or improvements. Home Improvement Agencies can also offer impartial advice on repairs and maintenance of your home and benefits you may be entitled to; help you stay in your own home.
If you are a Home owner, the Home Improvement Agency can also offer you a Low-cost loan for your Home Improvements.
The Home Improvement Trust also provides a ‘Houseproud Sheme’ for private home owners; over the age of 55. If you qualify, Houseproud will assist you with the financing options around the repairs adaption’s and/or improvements that are needed. They will also provide you with project management assistance, including scheduling work, gaining estimates and supervising work on your behalf. As well as assistance with you claiming any benefits you may be entitled to towards the costs.
Houseproud also offer mortgages specifically aimed at older people, starting at just £5000.