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Grants for Property Repairs and Maintenance

By: Abigail Taylor - Updated: 17 Oct 2018 | comments*Discuss
 

From time to time, all properties need repairs or maintenance carrying out. This may be for safety reasons, aesthetic reasons, or to increase efficiency and so reduce costs. Unfortunately property repairs and maintenance are often costly. There are however various monetary schemes and grants available to assist.

Home Improvement Agencies Scheme

This is a Local Authority scheme that provides assistance for energy efficiency measures and immediate essential repairs. These could be any repairs from a need for loft insulation to a need to repair holes in floor boards.

To qualify for this scheme, the applicant must be a homeowner (which may include private landlords). Tenants may also be eligible if they are renting privately and have maintenance obligations under their tenancy agreement.

The scheme is not means tested. However Local Councils have a limited budget and so those with low incomes who are unable to repair an unsafe property are likely to be prioritised on a greatest need basis. Speak to your Local Council about whether they run this scheme in your area and your likelihood of acceptance. You can also find out from this list on the Housing Care.org website

Equity Release Scheme

This is another Local Authority scheme. However you must be aged 65 and over to qualify and the scheme will only consider applications in respect of essential repairs.

This scheme essentially works as an interest free loan, allowing you to borrow a small amount of money against your home. It allows you to essentially obtain a second mortgage, but not have to repay any money until your property is sold (which could be after your death).

This option does however come with a warning: if you still have a mortgage on your property, it is advisable to discuss the current equity in your home with a lawyer or your local Citizens Advice Bureau before pursuing applying for the scheme. This is because you will have to pay any shortfall to lenders if your property does not have enough equity upon sale.

Disabled Facilities Grant

If you are registered disabled, you can apply for a disabled facilities grant. This is a grant for facilities necessary to assist someone with a particular disability. It has previously been used to pay for items such as handrails, stair lifts and electric beds.

If you are disabled, speak to your Local Council about applying for this grant. Whilst it isn't directly designed for general property maintenance, the money could be used to assist a disabled person to make their property safe. For example if you have limited mobility and your wooden staircase is rotting and unsafe, the grant could be used to install a new staircase with safety rails which is necessary to keep you mobile. This is therefore an indirect way for a section of society to pay for the cost of urgently needed property repairs.

House Proud Scheme

This scheme gives out low cost loans to homeowners and tenants over the age of 55. The money borrowed is to be used specifically for property maintenance and renovation. As well as urgent repairs needed for safety reasons, this maintenance could also include energy efficiency measures such as installing loft and cavity wall insulation and double glazed windows.

This is a loan and so the scheme will have to consider credit ratings to establish the risk involved in lending. However for those with a low income about to enter retirement, this is a much better option than taking out a bank loan to pay for property repairs, as the interest rates are considerably lower than the national lenders average.

Energy Efficiency Grants

For property repairs such as replacing old windows with new double glazing, there are a number of other energy efficiency grants available privately through large energy companies.

Following the government's Green Deal programme, large energy companies were obliged to offer grants and incentives to assist people to install energy saving measures. This can be as small as a water company providing free water saving devices such as tap inserts to reduce the flow of water by up to 70%. However some companies also offer incentives such as a fixed lower rate for those installing energy saving measures, so that the cost is recovered over a period of time in savings on your bills. Whilst this is not a direct way of getting assistance with property maintenance, it can help those struggling to pay the cost of repairs by lowering other monthly outgoings. There is information about to how to talk to a green deal assessor on the government's website.

There are a number of monetary assistance programmes and grants available through your local government and private schemes to assist homeowners and private tenants with the cost of property maintenance and repairs. Local Government Schemes often only run for a short period of time. However new schemes are regularly introduced so it is important to speak to your Local Council if you require assistance. Your local Citizens Advice Bureau may also be able to provide you with advice about options available to you and to fill in any applications.

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[Add a Comment]
Hi, I'm on Universal Credit & own my own home outright, I need emergency repairs to my gable end which I have been informed could be in danger of collapse during a storm. All the pointing came away during the last storms & in places i can see into the inner cavity due to cement falling out, Is there any help available as its a danger to me & my child ? I live in the Gateshead Tyne & Wear area.
Steve - 17-Oct-18 @ 1:30 PM
Hi, I’m seeking advice on behalf of my son Richard, aged 46, who has mental health issues. He will never work again and is on benefits. He is currently in a local mental health facility to stabilise his medication. He lives in a small flat, owned outright, however his bathroom and kitchen are in a bad state and depressing, which is not good for his mental wellbeing. Could you please advise me if there are benefits/funding available for such purposes and if so how can he apply. Thank you Rodders
Rodders - 26-Sep-18 @ 11:24 AM
Am in Kampala Uganda in East Africa, am aged 29, for now am still seeking a job, and my parents are old, but there house is full of cracks, and the iron sheets got rusted and there linking and the Door Locks no longer work. Is there any help i can get. Am ready to provide proof of everyting needed and your free to come and take a look at the house condition. I need something like £5000 GBP. Am on my knees begging for your help please
AFRICAN MAN - 16-Sep-18 @ 3:11 PM
Hi I'm due to move into my new property in just over a weeks time. I recently got the keys to my new home and when inspected the property noticed that the kitchen has quite bad rising damp. I have medical conditions and are a bit worried this may affect my health. I am worried my landlord will not do the works that are needed to resolve the damp issue and do not want to go through the procedure of contacting the council as I am worried I will be served notice. Is there any help I could get to resolve this issue as a damp home is not the best to live in. The damp in the kitchen is quite bad on the walls and rises quite high which is also behind the kitchen units so new kitchen will be needed. Any advice would be appreciated.
G - 30-Jul-18 @ 11:20 AM
Max- Your Question:
My home is in an old sandstone building. It has developed major structure issues over the years & I'm struggling to get my home up to standard to fix it. I can't sell it due to the condition. It's a one bedroom flat & we have a 9 year old. Apparently my buildings insurance doesn't cover the repairs. What are the conditions for a Grant? I feel I'm being fobbed off by the council.

Our Response:
Renovation and repairs grants are few and far betweem. If you are in receipt of universal credit etc, there may some basic repairs that are covered. The Turn2Us grant search is a good resource here
GrantsExpert - 29-May-18 @ 10:39 AM
My home is in an old sandstone building. It has developed major structure issues over the years & I'm struggling to get my home up to standard to fix it. I can't sell it due to the condition. It's a one bedroom flat & we have a 9 year old. Apparently my buildings insurance doesn't cover the repairs. What are the conditions for a Grant? I feel I'm being fobbed off by the council.
Max - 29-May-18 @ 8:52 AM
Hi I have a problem with the back wall of my house I think it has a crack in it & is bowing out and the really bad wether with the rain has damiged it inside of the wall and the celling. Please can you help with this problem as I have 4 children
Tango - 2-May-18 @ 2:25 PM
I am lucky to have a council prefab/bungalow. I am disabled and feel afraid all the time I also need mobility scooter. I would feel a lot safer if I had a gate at the side of my home and a brick out door building to house a scooter which is so badly needed. Can anyone tell me if this would be excepted as good reason for a grant .
Mr A Lone - 27-Apr-18 @ 2:45 PM
cliff - Your Question:
I live in privater rented property I only pay 400 a month on condition I do repairs my facia and soffits badly need replacing due to being rotton timber ialso would love to get underfloor insulation as there are drafts from floorboard as theres a void any advice would be helpful as I am on pesion credit 76 years old and dissabled I have to use oxygen

Our Response:
Please take a copy of your lease agreement to Shelter or Citizens' Advice for details of which repairs you should be responsible for. Replacing soffits and facia boards, while maybe necessary will also be of huge benefit to your landlord should he/she wish to sell the property. There should be a definition of the repairs you're responsible for.
GrantsExpert - 25-Apr-18 @ 11:19 AM
coygdave - Your Question:
Recently, the ceiling in my lounge collapsed. This was as a result of recent heavy rain which had which had seeped through the outer wall. To repair the ceiling and render the outer wall will cost £7,000 and my insurer will not help as the policy does not cover "water damage". My husband and I are both in our eighties and have limited resources at our disposal. Are their any grants available to assist us?

Our Response:
We don't know if you will get anything but it could be worth looking at the Turn2Us grant search
GrantsExpert - 24-Apr-18 @ 3:34 PM
i live in privater rented propertyi only pay 400 a month on condition i do repairs my facia and soffits badly need replacingdue to being rotton timber ialso would love to get underfloor insulationas there are drafts from floorboard as theres a void any advice would be helpful as i am on pesion credit 76 years old and dissabled i have to use oxygen
cliff - 24-Apr-18 @ 9:57 AM
Recently, the ceiling in my lounge collapsed. This was as a result of recent heavy rain which had which had seeped through the outer wall. To repair the ceiling and render the outer wall will cost £7,000 and my insurer will not help as the policy does not cover "water damage". My husband and I are both in our eighties and have limited resources at our disposal. Are their any grants available to assist us?
coygdave - 23-Apr-18 @ 1:32 PM
iam looking for £5000 grant to repoint and damp proof outer walls of my property with PVT Injection into walls
Peter Dowling - 12-Oct-17 @ 9:24 PM
Annmarie - Your Question:
I live in a 60' narrowboat in Worcestershire and receive income based JSA. Housing benefit pays for my canal & rivers trust continuous cruiser licence. I have no savings. I need to black the hull of my boat this year. I have had this boat for 2 years & it needs blacking every 4 years minimum to prevent rust from eating the steel hull. It was last blacked in May 2013. DIY will cost £300 to dry dock the boat, £60 to jet wash it. £8 for a brush and £124 for anti foul bitumen black paint. Please advise if I can get any help with this expense. Thank you.

Our Response:
We're not aware of any funding for this type of work.
GrantsExpert - 13-Jun-17 @ 2:22 PM
I live in a 60' narrowboat in Worcestershireand receive income based JSA. Housing benefit pays for my canal & rivers trust continuous cruiser licence. I have no savings. I need to black the hull of my boat this year. I have had this boat for 2 years & it needs blacking every 4 years minimum to prevent rust from eating the steel hull. It was last blacked in May 2013. DIY will cost £300 to dry dock the boat, £60 to jet wash it. £8 for a brush and £124 for anti foul bitumen black paint. Please advise if I can get any help with this expense.Thank you.
Annmarie - 11-Jun-17 @ 7:19 AM
Hello my husbandis 76 gets AA and I'm on PIP and disabled and just been told I'm unfit to work. We need our house front pointing and decorated because of damp. Is there any financial help I could get please?
Mary Taylor - 19-Jan-16 @ 8:32 PM
i have recently been awarded pip for medical problems and someone told me I may be able to get a disability grant as I live in an older house with severe problems ,broken floorboards, deep enamelled bath which I cannot get out of without help. I have electric heaters as back up for gas fires because the cold affects my medical problem... Can you tell me if you think I may qualify for help with this housing problem.
benny - 10-Feb-15 @ 9:16 PM
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