Healthy Homes Loan

A loan for homeowners to carry out essential home repairs

How much the loan can be worth

Up to £15,000.

What repairs you can get help with

Works must meet one of these four criteria:

  • making your home weather-tight, for example roofs, windows, doors and preventing damp
  • making your home safe, for example electrics, gas, fire safety and falls prevention
  • reducing the consequence of flooding in 'at risk' area 
  • facelift works in regeneration areas

A Housing officer will visit you to assess the repairs that are needed and tell you whether they fit our criteria.

How you repay the loan

You two options - you choose which type of loan you prefer and we will carry out checks to make sure that it is suitable for you.

The first option is an interest-free monthly repayment loan. You start paying the loan back one month after we make the first payment for your home repairs, and you can pay it back over a period of up to ten years. We have produced a Rough Guide to Monthly Repayments (PDF, 176KB) showing how much you can expect to pay depending on how much you borrow.

The second option is an equity share loan. We offer you a loan in exchange for a share in the value of your property. There are no regular repayments, and no interest is added to the loan. You don't repay the loan until you sell your home or it is transferred to another person. The repayment will be based on the value of the property at the time that you sell or transfer it. For example, if we loan you £10,000 and your property is worth £100,000, we will have a 10% share in your property. When you come to repay the loan, the Council's stake is 10% of the sale price, so if the property is sold for £110,000, you repay £11,000.

Who is eligible for this loan

You must be a homeowner and have lived in your home for at least one year.

You will qualify if you have reached state pension age and are unable to afford the works. We carry out a Test of Resources (means test) to assess whether you can afford the works.

You will qualify if you receive one of the following disability benefits and are unable to afford the works (after a means test):

  • attendance allowance
  • disability living allowance
  • personal independence payment
  • industrial injuries disablement benefit

You will qualify if you receive one of the following benefits:

  • income support
  • income based job seeker's allowance
  • pension credit guarantee
  • income related employment and support allowance
  • universal credit
  • child tax credit or working tax credit with an assessable income of no more than £15,050
  • war disablement pension
  • disability living allowance
  • personal independence payment
  • industrial injuries disablement benefit

How you can apply

We currently have a very high demand for help with home repairs. To add your details to our waiting list, please complete the online Enquiry for Home Repairs (Homeowners) form. We will contact everyone who submits an enquiry form and let you know whether you are likely to receive any help from us, so that you don't wait longer than you have to.

Contact us



0300 123 5017 (select option 4)


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