Housing grants and loans
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Disabled Facilities Grants (DFG)
If you or someone living in your property is permanently disabled you may qualify for a disabled facilities grant towards the cost of providing adaptations and facilities to enable the disabled person to continue to live there. Such grants are given by the council under Part I of the Housing Grants, Construction and Regeneration Act 1996 and are means tested except in the case of adaptations for children. If you are interested in adaptations for a disabled child then please also refer to the children with disabilities information.
There are strict eligibility criteria for disabled facilities grants:
- Mandatory grants - include access into and around the property and the main rooms used by the disabled person, safety of the disabled person and adapting the heating and lighting controls.
- Discretionary grants - In certain circumstances this provides a top up if the grant exceeds £30,000. Please email email@example.com if you require further information about this.
Before making an application your occupational therapist will make an assessment of your needs and confirm that the proposed works are necessary and appropriate. For some medical conditions the occupational therapist will need to seek advice from the disabled person's consultant.
You can receive help to make the application and throughout the whole process (including drawing plans, applying for building regulations and sending the work schedule and plans to tender etc) from the local home improvement agency. If you are a council tenant then this help will be provided by your landlord. Some housing associations may provide a similar service. Your occupational therapist can advise you about this.
You can also apply for a grant if you wish to arrange the work yourself; however, if you are considering applying for a grant, you should contact the Private Sector Housing Team before you start any work. You will not be awarded a grant for any works completed before you receive approval from the council.
The council's private sector housing team will need to determine that the proposed works are both reasonable and practicable, depending on the age and condition of the property. We will need to look at the most cost effective way of meeting the needs of the disabled person. We may recommend an alternative to the proposed scheme such as using existing rooms e.g. use of a dining room as a bedroom. This should be done in consultation with your occupational therapist, who will be advising on functional needs, to ensure that any alternatives being considered are appropriate for your specific assessed needs, taking into account present and future predicted needs in relation to your disability/condition.
The disabled person or their agent will need to prepare a schedule of works and plans. These will be agreed in advance with us and enable the work to be tendered. We will be able to advise on the number of quotes that are required for any application.
The grant will only be paid when we are satisfied that the work has been completed to our satisfaction and in accordance with detailed specifications laid down in the schedule of works, and with the grant approval. Please note, that you are responsible for ensuring that your builder meets the standard you require. A grant can only be paid on provision of an acceptable invoice, demand or receipt of payment for the works. An invoice is not acceptable if it is for work or services provided by the applicant or a member of his or her family. Where the works are carried out by the applicant or a relative, only invoices for materials or services that are bought in may be considered.
We may pay the grant in full when the works are complete or by instalments as the works progress. We will normally pay the grant directly to your contractor. This should not affect your right to ensure that the contractor has completed the works to your satisfaction. If the contractor has not, you should notify us so that we can withhold payment, if appropriate.
When making an application you must be sure that you intend to remain in the property for the foreseeable future. You will be asked to sign a certificate stating the intention to remain in the property for the next five years.
The role of the OT is to carry out an assessment based on functional need, taking into consideration the disabled person's medical condition in order to identify any needs and possible solutions. If, as a result of this assessment, housing adaptations are needed then one option might be to advise you of the disabled facilities grant as a solution. Another may be to give advice on the possibility of moving to a more suitable property, which is either already adapted or more suitable to be adapted.
If the OT feels that the works are both 'necessary and appropriate', they can support you in making an application and liaise with the home improvement agency or appropriate agent as well as provide any necessary paperwork or information.
They would provide advice about the adaptations that are required and comment on proposed plans. They will also attend any case conferences and panels to explain how your needs are met by the proposal.
The OT is not responsible for the grant, and does not have the skills or specific knowledge to mediate on technical points about the structure or build process.
We administer the grant application and are responsible for making the decision about approving the grant and making payments. We will also make the financial assessment which will confirm the amount of grant that is eligible and whether any contribution should be made by the disabled person.
We need to make sure that all options have been considered at an early stage. We will liaise with the occupational therapist to conclude which options are necessary and appropriate to meet the needs of the disabled person.
We will also consider whether the work is reasonable and practicable. This means whether it is reasonable and practicable to carry out the works having regard to the age and condition of the building. We take into account the condition of the house and whether it is safe to live in. We also have to consider if the dwelling is suitable for adaptation due to its design, any planning constraints and the affect of any adaptations on other occupiers.
Where the options are unusual or complex a case conference involving other professionals will be arranged. This is to make sure that the options are considered from several view points and the decision reached is justified and consistent in relation to the regulations that govern the terms of a disabled facilities grant.
Before approving an application the private sector housing team will need to be sure that the proposal is the most cost effective option for meeting the disabled person's needs and that the application is properly made.
Most people want to stay in their own homes as they get older or if they are disabled. With the right practical advice and support, they can.
Our internal local home improvement agencies can help with advice on benefits and other sources of funding where the work isn't covered by the disabled facilities grant. They will write the specification for the work, organise the tenders and supervise the work.
We have a wealth of experience in managing both the grant application and the design and build process. You are free to choose an alternative but we advise that you discuss options and preferences with the private sector housing team and your occupational therapist before making a start.
To help get the work carried out, other costs and charges are likely to be incurred e.g. architects fees, planning permission, building regulations, agency fees. You need to clarify with your agent what the costs are and if you can offset them against the grant; you also need to understand any liability you may incur.
Conditions will be applied to any grant awarded and it is important that you read and understand these.
It is a condition of the grant that a local land charge will be made in the case of owner occupied application where the grant exceeds £6,000. This allows the recovery of funds in the event of a property subsequently being sold or otherwise disposed of. The land charge will be made for the amount that exceeds £5,000, for examples in the case of a grant for £6,000 a £1,000 land charge will be taken up to the maximum allowed (at this point £10,000)
When a property is disposed of, repayment of the land charge may be exempt in the following circumstances:
- If a client moves to another property within the ten year period that does not require adaptations to be carried out; the new property is more appropriate to their needs (as confirmed by an occupational therapist) repayment will be waived.
- If the client is moving into an enhanced or extra care accommodation.
- If the client's death results in a child inheriting the whole of the property whose financial position is such that they could not raise a mortgage or a loan to repay the charge. This is intended to be a safeguard for children who have a mental impairment or who have acted as a carer for their parent.
Home adaptations for disabled people: a detailed guide to related legislation, guidance and good practice, sets out the service disabled people should reasonably expect to receive including recommended target times for delivery.
Please see below typical target timescales that we would expect in the case of the Home Improvement Agency (HIA) acting as agent.
Timeline for disabled facilities grants
Please see below typical target timescales that we would expect in the case of the Home Improvement Agency (HIA) acting as agent.
Target time 5 working days
Target time 10 working days
Target time 20 working days
- 20 working days (minor) £10,000
- 40 working days (major) over £10,000
- 30 working days (minor) £10,000
- 90 working days (major) over £10,000
Increasing technical work, building regulations and planning permission may delay work
- 30 working days (minor)
- 15 working days for stair lifts
- 90 working days (major)
Contractor start dates may cause delay.
Home improvement and repair assistance
Due to financial constraints, the council will not be taking any new enquiries for grants (except Disabled Facilities Grants) but will continue to accept loan enquiries. The loans being offered are subsidised to provide low cost finance with low rates of interest for the term of the loan. In some exceptional cases and subject to finances being available the council may consider providing a grant.
The council is working with Lendology CIC (a Community Development Finance Institution) and Ridgeway Care and Repair to provide finance to home owners for essential maintenance, adaptations and improvement works to their home. Loans are discretionary and are usually made available to low income groups particularly the elderly, disabled and other vulnerable households.
Carrying out essential repairs and improvements
Installing suitable heating or replacing existing heating systems to remedy category 1 hazards (link to Housing health and safety rating system HHSRS page once built).
For householders where the cost of works exceed the maximum disabled facilities grants or where the applicant has to make a contribution towards the cost of DFG works (owners' applications only)
The minimum loan available is £500, and the maximum loan value is £15,000 at any one time or in a 10 year period if multiple loan applications are made (subject to status).
If you are interested you need to contact the Private Sector Housing team in the first instance by emailing HousingRenewal@wiltshire.gov.uk. The team will refer you to Wessex if they feel you are eligible for the loan fund. A loans adviser from Wessex will come and visit you and assist you to make an application. The decision about whether you are successful will depend on whether you are able to afford to repay the monthly loan repayments from your income and the amount of equity in your property.
Lendology offer a variety of loan products to meet the needs of their clients. The type of loan that is offered is dependent on the financial assessment completed by the Home Loans Adviser to ascertain current and future affordability. Your adviser will work with you to find a solution which meets your individual needs and means. Lendology provides responsible finance and will only approve a loan if they are sure that the loan is affordable for you.
Home Improvement Loans Feature
- Fixed interest rate
- Overpayments / Early repayment at any time without charge/penalty
- No set up fees
- Minimum Loan £500
- Maximum Loan £15,000
Capital and Interest Repayment Loan
The monthly repayment covers both capital and interest. The loan is repaid in full over a fixed term.
Interest Only Loan
The monthly repayment covers only the interest on the loan. The loan is for an indeterminate period and becomes repayable on a termination event e.g.
- If the property is sold
- If the property transfers
- If the borrower no longer lives in the property for 60 or more consecutive days.
Deferred Capital Repayment Loan
The initial loan period is interest roll up. There are no monthly repayments and the interest compounds annually for a fixed term and is added to the outstanding balance. At the end of the initial agreed period, the original capital borrowed and the accumulated interest converts to a Capital Repayment Loan. The monthly repayment covers both capital and interest. The loan is repaid in full over a fixed term.
Fixed Term Interest Only converting to Capital Repayment
Payments during the initial loan period are interest only. The monthly repayments service only the interest on the loan. The loan then converts to capital repayment for a fixed term, during which the monthly repayment covers both capital and interest. The loan is repaid in full over a fixed term.
Interest Roll Up Loan
There are no monthly repayments and the loan is for an indeterminate period. Interest compounds annually and adds to the outstanding balance. The loan is for an indeterminate period and becomes repayable on a termination event (as above).
Fixed Fee Loan (Exceptional Circumstances Only)
With a fixed fee loan there are no monthly repayments and the loan is for an indeterminate period. An administration fee of £300 is added to the loan. The loan is for an indeterminate period and becomes repayable on a termination event.
Mobile or Park Home Loans - Capital Repayment Loans Only
- Maximum loan of £3,500 on a capital repayment basis for a maximum term of 5 years to remedy Category 1 hazards and improve thermal efficiency
- Granted where economically worthwhile for life of mobile or park home
- Loans are repayable on a termination event (outlined above)