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Home Improvement Loan

    We may be able to offer you an interest free loan to carry out essential repairs or improvements to your home in the following circumstances:-

    • You own and live in your home or you are a tenant with responsibility for repairs
    • You have lived in your home continuously for the last 12 months
    • You are in receipt of a qualifying benefit 
    • You are not in receipt of a qualifying benefit but are assessed as being unable to raise a loan from a high street lender following a means test by the Council
    • The works requested are necessary to protect the health, safety and welfare of the occupiers
    • You are not able to raise the funds to carry out the works from other recognised and reputable sources such as the Green Deal

    There are 2 types of loan available depending on your circumstances:-

    • An interest free monthly repayment loan of up to £3,000
    • An interest free secured loan of up to £5,000 with no monthly repayments which is repaid when your home is sold

    How do I apply?

    You can enquire about a loan by contacting the Contact Centre on
    01785 619000.

    Qualifying Benefits

    If you are in receipt of any of the following benefits the Council may consider you for a Home Improvement Loan:-

    • Income Support
    • Housing Benefit
    • Income based job seekers allowance
    • Income based employment and support allowance
    • Working families tax credit
    • Industrial injuries disablement benefit
    • War disablement pension
    • Child tax credit (Income of less than £16,040)
    • Working tax credit (Income of less than £16,040)
    • Guaranteed Pension Credit
    • Local Council Tax Reduction 

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