We have a system of discretionary loans to help private sector residents meet the costs of maintaining their home.
If you own your home, or rent privately and have an obligation to carry out repairs you could be eligible for a loan, which is awarded to fund certain works considered essential to meet the Government’s Decent Homes Standard .
Applications are means-tested to see if you need to contribute towards the cost of the works. This is based on household income and savings.
Two types of loans are available, depending on the degree of disrepair of your property.
A renovation loan will apply where funds are required to meet the cost of renewal.
A repairs loan will apply where items can be repaired without being replaced.
The loans are interest-free, will be subject to a Legal Charge Agreement and registered as a charge on the property to which they apply. A fee will be included in the loan to meet the cost of registering the charge against the property. Repayment will not be required until the next full disposal of the property.
Where the loan offered is not enough to cover the full cost of the work then the applicant would need to fund the shortfall. In this case the Council will prioritise the work that the loan will fund.
Loans are not available for repair works which are, or could be the subject of an insurance claim or for works outside those required to bring a property up to a Decent Homes standard as defined by the Department for Communities and Local Government.
If you are interested in applying for a loan for essential repair or renovation work please complete our online application form.
You can also download a printable form from the links section below.
Private Sector Housing
West Sussex RH10 1UZ