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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 pay some of your loan, 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.

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 £5,000. 

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

Repairs 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

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 £6,000 in any three year period.

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. 

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

How to apply 

To apply for all the loans above contact Wessex.

Staying independent loan

Our staying independent loan can be used if:

  • you're an owner occupier 
  • you need to adapt your home to prepare for a deteriorating medical condition

To get this loan you must:

  • own and live in your property
  • have an assessed need but cannot qualify for a Disabled Facilities Grant
  • choose to self-fund instead

How much you can get

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. 

How to apply

Contact WE Care to apply.