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Get help with home repairs

Get help with home repairs

What you can use a repairs loan or grant for, types of loans and grants and how to apply

If you need to make repairs to your home, we may be able to give you a loan or a small grant to cover the cost.

A loan is money that you’ll have to pay back. 

A grant is money that you won’t need to pay back.

You’ll need to apply for a loan first.

Who can apply for a loan

You can apply for one of our loans if you:

  • own and live in your property
  • have an income of £150 or less per week, after all your bills are paid
  • have a property that needs repairs

Standard loan

Our standard loan is for essential repairs to a property such as:

  • dealing with damp problems
  • large electrical and plumbing work such as rewiring 
  • replacing rotting windows and doors 
  • structural work such as replacing rotten lintels or underpinning
  • roof repairs
  • replacing broken heating systems

The maximum loan amount is £15,000.  

If the works are going to cost less than £5,000 you only need to get one quote for how much it’s going to cost. If the works are over £5,000, you’ll need two quotes.

We may pay some of your loan depending on your circumstances, this is called a loan leverage grant.

Loan leverage grant

A loan leverage grant is to help towards the cost of repair work.

To get a loan leverage grant you must:

  • have been approved for the standard loan
  • be vulnerable
  • and also one of the following:
    • getting a means tested or long term disability benefit
    • a parent with a child or children under 16 years old
    • over 60 years old

You can get:

  • up to £1,000 off your standard loan for works over £2,000
  • 50% off your standard loan for works less than £2,000  

Maintenance loan

Our maintenance loan is where work needs to be done to sort out a small problem before a bigger repair is needed, such as:

  • dealing with damp problems
  • replacing individual  rotting windows and doors 
  • render repairs
  • minor roof repairs

The maximum loan available is £3,500. 

The interest rate is 4%, fixed throughout the term of the loan.

Safety-net grant

A safety-net grant can be used to remove serious hazards in your home if they’re affecting your health and safety.

To get this grant you must:

  • own and live in your property
  • be:
    • receiving a means tested or long term disability benefit
    • a parent with a child or children under 16 years old
    • over 60 years old

You must have also been refused a Wessex loan for not meeting their financial criteria. 

This could include:

  • having no equity in your home
  • having very poor credit history
  • already being over committed financially

How much you can get

The maximum grant available is £5,000 in any three year period.

You only need one quote for the works.

If you sell your property within 5 years, you must repay the grant in full.

How to apply 

To apply contact Wessex.