Financial assistance for home repairs and improvements

If you are a homeowner or private tenant whose home is need of repair, improvement or adaptation, you may be eligible for financial assistance to help meet the costs.  Our Private Sector Housing Financial Assistance Policy offers a range of grants and loans, designed to improve housing conditions in Elmbridge, by targeting support at those in need.

The financial assistance available is designed to:

  • make homes healthy and safe to live in by dealing with serious hazards identified through the Housing Health and Safety Rating System
  • tackle serious disrepair
  • help properties meet the decent homes standard

In order to make best use of our resources and to help as many households as possible, a cascade is used to make sure that financial help is targeted at those who do not have other funding options available to them.

As a general principle, any request for financial support will be considered against the following steps:

  • Can the cost of the works be met through private finance (e.g. through the applicant’s own resources or through a commercial loan)?
  • If this is not possible, is a Home Trust Loan an appropriate option?
  • If a Home Trust Loan is not suitable, then an application for a grant will be considered.

What type of financial assistance can we offer?

In addition to disabled facilities grants, we can offer the following:

  • Home Trust Loans
    These are for owner-occupiers whose properties need essential repairs, improvement or adaption and who do have the funds to carry out the work. Subsidised loans of between £1,000 and £25,000 can be offered through our partner, Parity Trust.
  • Mandatory and Discretionary Disabled Facilities Grants (DFG)
    If you or a member of your household is disabled, we may be able to offer you a Disabled Facilities Grant (DFG) of up to £30,000 if you need to adapt your home to help you continue living there.  This usually covers the cost of the most common types of adaptation, such as fitting a level-access shower or stair-lift. 

    In the case of mandatory Disabled Facilities Grants where the eligible expense (i.e. the reasonable cost of the

    required works identified by the Occupational Therapist combined with eligible fees and expenses) exceeds the

    mandatory grant limit of £30,000, the Council will consider a discretionary ‘top up’ grant of up to £15,000 as part of the

    DFG determination. You can find further information on these grants and how to apply on our designated page, Help with adapting your home.

  • Hospital Discharge Grant
    Grants of up to £5,000 are available for Elmbridge residents currently awaiting discharge from hospital but are unable to return home due to unsuitable conditions. This funding can be used towards major or minor works to a property which are necessary to remedy disrepair, improve a home or provide adaptations to enable a patient in hospital to return home.
  • Relocation Grant
    Grants of up to £5,000 are available where it is assessed that adaptation works required to a property relating to a disabled person are uneconomical, or are considered unreasonable and/or impracticable having regard to the age and condition of the dwelling or building. The relocation grant may be offered to assist in the reasonable moving costs associated with moving to a pre-adapted or more easily adaptable property. These costs may include removal expenses, legal costs and valuation costs.
  • Minor work grants
    Grants of up to £5,000 can be offered to homeowners and private landlords, subject to funding being available, to remedy category one hazards or to keep a property from serious disrepair.  The type of work that could be funded include repairing faulty heating or electrical systems and the treatment of damp, rot and timber infestation.
  • Energy efficiency grants
    Grants of up to £2,000 can be offered to homeowners and private tenants, subject to availability, but applicants are expected to look to other sources of funding first, visit our energy efficiency page for more information.
  • Empty property grants and loans       
    If you own a home in Elmbridge which has been empty for 12 months or more, we may be able to provide you with financial help to carry out improvements and repairs and bring the property back into use. Visit our empty property grants and loans page for more information. 

Care and Repair Elmbridge (CARE) can assist residents who are either aged seventy or more, disabled or on a low income in applying for these grants and loans.

Funding conditions

There are terms and conditions attached to any financial assistance provided by us or the Parity Trust.  Please note that we will not provide financial assistance retrospectively, i.e. where the work has already been completed or where it has started before written agreement to provide a loan or grant has been given.

Information for housing association tenants

Please note that housing association tenants are not eligible to receive a home trust loan, major or minor works grants or an energy efficiency grant. If you are a housing association tenant seeking a repair, adaptation or improvement to your home, you should contact your landlord in the first instance.

For further information and advice

Contact for more information or if you are interested in applying for a grant or loan.

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