Home loans and grants

Home repair loan

If you need help financing repairs, you can apply for a home repair loan.

To be eligible for a home repair loan, you need to:

  • own the property which you live in
  • receive at least one means tested benefit

To apply for a loan, you need to:

In some cases a loan may be available for a registered disabled person or someone over the age of 60.

The loan can be used for repairs up to a limit of £5,000 in any five year period. 

The loan is interest free, but needs to be repaid when the property is next sold or ownership transferred. 

Disabled facilities grant

If you have a disability and need adaptations in your home to make it easier to live in, you can apply for a disabled facilities grant.

Examples of works are:

  • adapted bathroom facilities
  • stair lifts
  • access ramps
  • walk in showers

To apply for a grant, you need to:

Disabled facilities grants for adults are means tested, but not for children.

For more information, visit the Living Well Essex website.