Financial Help for Property Repairs and Maintenance
Every property needs work from time to time. Whether it is fixing a leaking roof, replacing old windows, or upgrading insulation, repairs and maintenance are part of home ownership.
The problem is cost. Even relatively minor repairs can run into hundreds of pounds, and larger jobs such as roof work or damp treatment can cost thousands. For people on low incomes, older homeowners, or those with disabilities, finding the money for essential repairs can feel impossible.
There are several grants and schemes available to assist with repair costs. Some are provided by local councils, others by national programmes, and some through charitable organisations. Eligibility and availability vary depending on where you live, your circumstances, and the type of work needed.
Local Authority Grants and Assistance
Local councils in England, Wales, Scotland and Northern Ireland can offer different types of help with property repairs. The exact schemes available depend on your council, as each authority sets its own policies and budgets.
One common form of support is through Home Improvement Agencies, sometimes called Care and Repair services or Staying Put schemes. These agencies work with councils to help older people, disabled people, and those on low incomes to repair and adapt their homes. They can assist with everything from essential repairs like fixing dangerous flooring or faulty electrics to energy efficiency measures such as loft insulation. Age UK can also provide advice and support for older adults seeking help with home repairs.
To qualify for help through these agencies, you will usually need to be a homeowner. Private landlords may also be eligible in certain areas.
Many local authority schemes are means tested, particularly those related to home improvement and repairs. Councils have limited budgets and will typically prioritise those with the greatest need. This usually means people on low incomes who cannot afford to make essential repairs, particularly where the property poses a safety risk.
Contact your local council directly to find out what schemes they run in your area. The Housing Care website maintains a directory of Home Improvement Agencies across the UK, which can help you locate services near you.

Tell us what you need funding for and we will match you with the types of UK grant most likely to accept your application.
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If you or someone in your household has a disability, you may be able to apply for a Disabled Facilities Grant. This is a government funded grant available through local councils to help adapt homes for disabled residents.
The grant can cover a range of work, including widening doors, installing ramps, adapting bathrooms, improving heating systems, and making other changes that help a disabled person live more independently at home. In some cases, it can also cover repairs that are directly linked to the adaptation work.
Disabled Facilities Grants are means tested for adults, though grants for children are not subject to a financial assessment. The maximum grant in England is set by central government, and you should check GOV.UK for the most up to date figures as these amounts can change. Different rules and amounts may apply in Wales, Scotland and Northern Ireland.
Applications are made through your local council. An occupational therapist will usually assess the property and the needs of the disabled person before the council decides whether to approve the grant.
Your situation may be slightly different. ask a question below ↓ and our editorial team will reply with our advice.
Energy Efficiency Schemes
Some repair and maintenance work overlaps with energy efficiency improvements. If your home needs better insulation, a new boiler, or draught proofing, you may be able to get help through energy efficiency programmes rather than traditional repair grants.
The Energy Company Obligation scheme requires large energy suppliers to fund improvements in certain households. This can include loft and cavity wall insulation, boiler replacements, and heating controls. Not every household will qualify, as eligibility is usually based on receiving certain benefits or living in a low income area, and the criteria change periodically.
Other government insulation schemes may also be available, though these programmes are sometimes rebranded or replaced. Check GOV.UK for the current schemes operating in your area and their specific eligibility requirements.
Your energy supplier can tell you what help is available, and the Simple Energy Advice service provides free guidance on available support. If you are unfamiliar with using online services, your local library or Citizens Advice bureau can often help you access these resources.
Other Sources of Help
Beyond council schemes and energy programmes, other options may be available depending on your situation.
Some homeowners, particularly older people, consider equity release as a way to fund repairs. This involves releasing money tied up in the value of your home, either through a lifetime mortgage or a home reversion plan. Equity release carries significant risks and long term implications for your finances and any inheritance you wish to leave. You should always seek independent financial advice and carefully consider alternatives before proceeding.
Charitable organisations sometimes offer grants or interest free loans for home repairs. This is more common for older people, disabled people, or those in particular circumstances such as veterans or people with specific health conditions. Turn2us maintains a database of charitable grants that can help you identify potential sources of support.
If you rent your home, your landlord is generally responsible for most repairs, including structural work, heating systems, and sanitation. This is a legal requirement under the Landlord and Tenant Act 1985. If your landlord is not carrying out necessary repairs, Citizens Advice can help clarify your rights and explain how to pursue the matter.
Whatever your situation, starting with your local council is usually the best first step. They can explain what help is available in your area and point you towards other organisations that may be able to assist.
Now my roof has a hole. Had an estimate he said it's not bad but will get worse with the weather. I really need to get this done. The quote was for 1,200 unable to find that but could pay monthly. Can you help. Kind regards Caroline
I am 71 years of age and single.
I am struggling with two garage doors to my property tht are in a bad state.
The back garage door, is an up and over door and it has rollers.
When I open the door up and over it does not stay in position and slides back down
again. I have hit my head on it a couple of times, so now I wedge a screwdriver inthe side
to hold it up. Of course this is dangerious, I understand that, but I just cannot afford to have it repaired or the garage doors replace, as I am on state pension and guaranteed pension credit.
I was wondering, can I get a grant for this. I also have a letter from my doctor, because I have epilepsy and I have a herniated disc and scolliosis, which causes a lot of pain.
Kas..
The roof is slated and now it is leaking all over.
Please advise me on what help is available for me to get my house repaired.
My roof is in a state of disrepair, over 50 yrs
Old .it leaks and I have had mushrooms on my landing ceiling.i should be able to replace it for under £4000. I dont know who to turn to for help..
An old chimney on top of our kitchen need serious repair and can fall any minute. if falls, it will fall on top of the kitchen ceiling and it very dangerous to us. I have no money to do this repair. How can we get some government grant or loan. Desperate to fix this. Please help.
Is there any help at all I can get to just make my home safe and reasonable to live in without worry .
Thanks
need replaced as they are faulty, bedroom window, won't open or shut properly and there is a terrible draft. My back windows are fine, but the person who fitted front windows, made a mess when installing them. Weatherseal were taken over, who also call themselves Weatherseal and my guarantee is no longer valid. Would l be entitled to any help with the cost. Obviously l am disabled.Hope t o hear back from somebody soon. Thanks in advance.
I am mother of two children(7years old)one with autism and development delay.me and my husband both work. Our roof is very old and have mould in the winter.how can I get some help to repair my roof and wall?
My ex-husband, has dementia and is living with my daughter who is 17, the roof of the house is in need of repair as is some of the wall in my daughters bedroom where the roof has been leaking into her room and then through into the living room. It is starting to affect their health. My ex cannot sleep in his bedroom as the water that came in has caused the plaster to come off and also some of plasterboard to come down. Is there any grants that I can apply for on their behalf. It is starting to affect both of their mental health. Thank you
I have a residential housing project which is under construction but has not completed yet because the funds I loaned from a commercial bank was not sufficient.
Can your organization be of some assistance to me and my children?
Kind regards,
Any advice would be much appreciated
Is there any grants or assistance available for this issue? North Ireland based as know if might affect rights/grants
My grandparents who are 69 and 70 have been Informed their sewage system (silo) is in incorrect regulations. They need to pay for a new system estimated £2,100 which they don't have the funds for. Is there any schemes available for them to receive a grant?
Thankyou for your time
The LA has said they would like the stairlift back if possible but they will not make good the carpet and the stairs and have also said that it would save them charging us retrospectively for the equipment [ as they reserve the right to bill us].
My mother is not wealthy though she does own the house which is mortgage free, she is in receipt of Pension Credit and Attendance Allowance. We previously received a Direct Payment from the LA and they now fund most of the Care Home Fees. The home is my principal residence, I am over 60yrs of age and cared for my mother full time with the support of agency carers for 8 years until her illness became unmanageable at home.
My question is: Who is the legal owner of 'installed' equipment ie the stairlift? Can I dispose of it and use the monies to make good the staircase and re-instate the bathroom?
He is disabled due to a severe stroke which paralised one side of his body.
His roof on the house is in serious need of repair as water is causing damage to the bedroom ceilings.
He owes a small amout approx £500 on a re mortgage he took out years ago.
He is on benefits so cannot pay for repairs. He has been quoted £3,000 for a new roof.
can he get any assistance
is there any financial help avialable please?
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
I need something like £5000 GBP. Am on my knees begging for your help please
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.
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