People are healthier when they can be independent in their own homes.
You may be eligible for a disabled facilities grant (DFG) if you're disabled and need to make changes to your home to help you live independently. Grants are means tested and targeted at people on low incomes. Find out more about help to live at home and equipment, adaptations and technology.
Please note: DFG’s cannot be paid for works that have been carried out prior to Grant approval.
It depends on your finances and your circumstances. You may have to contribute your own money if the amount of DFG you are awarded doesn't cover the total cost of the equipment you need, so you'll have to think about how you will pay for this – it could be from your savings, or you may need to borrow money from elsewhere. You might also be eligible for a grant from a charity.
If you can't raise any additional money to pay the outstanding cost of essential equipment, we may be able to help you with a low cost loan or adaptations loan (if you're a homeowner). In most cases, DFGs awarded to disabled children under 19 years old will be funded up to the grant maximum of £30,000, so you won't need to pay anything from your own pocket.
This is a loan of up to £5,000, repayable over a period of up to 60 months. You will be assessed to make sure you can afford the repayments. The loan charge is equivalent to 5% of the amount that is borrowed. There is also an administration fee (currently £100) to set up the loan. This fee goes towards the costs incurred by the council in providing the loan such as Land Registry and bankruptcy searches, obtaining proof of identity to satisfy money laundering regulations, registering the charge at the Land Registry and the loan agent fees.
Read our Low cost loans information sheet.
If you are required to pay more than £5,000 towards the cost of your equipment, we may offer an adaptations loan to homeowners. This is an equity share loan, which means that the council takes a share of the ownership of your property in return for lending you the money. You will need to pay for a property valuation report by an independent chartered surveyor.
The loan is repayable on sale or transfer of the lease, or at your own request. The council's surveyor will carry out a property valuation and the amount repayable would depend on the % increase (or decrease) in the value of the property.
Read our Adaptations loans information sheet
If a home is unsuitable for the adaptations you need, we may be able to offer a relocation loan to help you move to a more suitable property which may or may not need to be adapted. This is only available to you if you own your own home.
For more information
Private Sector Housing team:
Phone: 01925 246909
email the Private sector housing team
Adult Social Care First Response Team:
Phone: 01925 443322
email the Adult social care First Response team
