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The Regulatory Reform (Housing Assistance) (England and Wales) Order 2002 enables Councils to provide a range of housing assistance. This policy sets out the discretionary and mandatory financial assistance Dorset Council offers to eligible residents to improve or adapt their property in the Dorset Council area.
This is a means tested grant to adapt homes to help disabled people remain independent. This grant is delivered in partnership through the Dorset Accessible Homes Service.
A low interest loan offered as an option or alternative to a DFG. It can top up to a DFG, finance an applicant’s contribution to a DFG or as an alternative to a DFG. Extra top up funding may also be available (subject to available resources) through the Major Adaptations Panel provided by Adult and Community Services.
A handyperson service for older and disabled people helping them maintain independent living.
A loan up to £25,000 to improve a property to meet the Decent Homes Standard, remove a serious hazard, address fuel poverty or facilitate fostering. A Decent Home is one that has reasonably modern kitchen and bathroom facilities, is in a reasonable state of repair and has adequate thermal insulation and heating facilities.
A loan up to £25,000 to bring an empty property back into use. Available to both landlords and owners but is subject to there being a public benefit.
A loan up to £10,000 to address defects to park homes. Works include insulation, heating, structural improvements and repairs.
The Healthy Homes Scheme improves the homes of those people at risk of poor health. The scheme improves the heating systems and insulation of homes where people suffer from a range of health conditions.
ECO grants help households cut their energy bills and reduce carbon emissions. Dorset Council has published an ECO Flex statement allowing more people to access grants for insulation and heating. Dorset ECO Flex Statement:
https://www.dorsetcouncil.gov.uk/housing/financial-help/heating-and-insulation-grants.aspx .
This is a new loan product of up to £15,000 for energy efficiency measures in response to and in support of the work the Council is doing to tackle the climate emergency. Measures include; solar panels, thermal heating systems, heat pumps, biomass heating and solid wall insulation.
The Energy Improvement Grant is designed to enable homeowners and tenants* with a disability to quickly access financial assistance to conduct a wide range of Energy improvements around the home. Funding is made available by Dorset Council in response to the cost-of-living crisis.
Cabinet agreed on 3rd November 2020, that authority is delegated to the Corporate Director Housing and Community Safety in consultation with the Portfolio Holder Housing to:
Call 0333 00 300 10
Email: enquiries@wrcic.org.uk
For older and disabled people with the aim of helping them maintain independent living.
Call 0333 00 300 10
Call 01823 461099
Email: enquiries@wrcic.org.uk
Call 01823 461099
Email: enquiries@wrcic.org.uk
Call 01823 461099
Email: enquiries@wrcic.org.uk
Call 0300 003 7023
Website help@healthyhomesdorset.org.uk
Eco flex applications are usually processed by installers
For more information contact Healthy Homes Dorset:
Call 0300 003 7023
Website help@healthyhomesdorset.org.uk
Up to a maximum of £15,000 for a variety of works; Solar panels, thermal systems, air and ground source heat pumps, biomass, and solid wall insulation.
Call 01823 461099
Email: enquiries@wrcic.org.uk
Up to a maximum of £10,000 for a variety of energy related improvements. Eligibility criteria apply, applicants must have a disability – see conditions.
Call 0333 00 300 10
n/a | Home owner | Tenant | Park home | Landlord | Max £ | Means test | Contact details |
---|---|---|---|---|---|---|---|
Disabled Facilities Grant | yes | yes | yes | no | 45000 | yes | Dorset Accessible Homes Service Tel 0333 00 300 10 |
Disabled Facilities Loan | yes | yes | yes | no | 25000 | yes Subject to affordability (determined by LCIC) | Dorset Accessible Homes Service Tel 0333 00 300 10 |
Handy Van | yes | yes | yes | no | cost of materials | yes | Dorset Accessible Homes Service Tel 0333 00 300 10 |
Home Loan | yes | no | no | yes | 25000 | yes Subject to affordability (determined by LCIC) | LCIC Call 01823 461099 Email: enquiries@wrcic.org.uk |
Empty Property Loan | yes | no | no | yes | 25000 | yes Subject to affordability (determined by LCIC) | LCIC Call 01823 461099 Email: enquiries@wrcic.org.uk |
Park Home Loan | no | no | yes | no | 10000 | yes Subject to affordability (determined by LCIC) | LCIC Call 01823 461099 Email: enquiries@wrcic.org.uk |
Energy Efficiency Healthy Homes Dorset | yes | yes | yes | yes | varies | no | Healthy Homes Dorset Tel:0300 003 7023 help@healthyhomesdorset.org.uk |
Energy Efficiency Loans | yes | no | no | yes | up to 15000 | yes Subject to affordability (determined by LCIC) | LCIC Call 01823 461099 Email: enquiries@wrcic.org.uk |
Energy Efficiency Grant | yes | yes. Excludes property owned by Registered Providers | yes | yes | up to 10000 | no | Dorset Accessible Homes Service Tel 0333 00 300 10 |
This is a mandatory grant for works and adaptations to homes to improve access and allow disabled people to remain independent in their own home in Dorset.
All DFGs are delivered through the Dorset Accessible Homes Service. An additional £15,000 above the statutory maximum is offered (subject to funds being available, up to a maximum grant of £45,000).
This is a summary from the legislation relating to the conditions applying to DFGs under the Housing Grants, Construction and Regeneration Act 1996.
For more detailed information refer to the Act and to any relevant regulations made under the Act.
The Council require as a condition of the grant that the eligible works are carried out in accordance with the specification that accompanied the Disabled Facilities Grant Approval.
It is a condition of the grant that the grant eligible works are carried out within twelve months from the date of approval of the application. This period may, however, be extended if the Council thinks fit, particularly where they are satisfied that the eligible works cannot be, or could not have been, carried out without carrying out other works which could not have been reasonably foreseen when the application was made.
The payment of a grant, or part of a grant is conditional on the eligible works being carried out to the satisfaction of the Council and the Council being provided with an acceptable invoice, demand or receipt for the repayment for the works and any preliminary or ancillary services or charges.
An invoice, demand or receipt will not be acceptable if it is given by the applicant or a member of the applicant’s family.
Unless the Council direct otherwise the eligible works must be carried out by the contractor whose estimate accompanied the application, or where two or more estimates were submitted, by one of those contractors.
In addition to eligible works as part of a disabled facilities grant, the following may also be considered as grant eligible works.
Works up to a value of £10,000 for the following:
The following conditions apply to works under the above paragraph.
In circumstances where the grant applicant has a qualifying owner’s interest in the premises on which the relevant works are to be carried out, the grant is for a sum exceeding £5,000 and the grant recipient disposes (whether by sale, assignment, transfer or otherwise) of the premises in respect of which the grant was given within 10 years of the certified date, the authority may recover the value of the grant aided works that exceed £5,000, but will not demand an amount in excess of £10,000.
In determining whether it is reasonable in all circumstances to require repayment the authority will consider:
Where the applicant has an insurable interest in the grant-aided property, he shall arrange and maintain in effect adequate insurance for the property, subject to and with the benefit of the completed works, throughout the grant condition period.
Where the applicant has a duty or power to carry out works of repair to the grant-aided property, he shall ensure that, to the extent that his duty or power allows, the property remains fit for human habitation throughout the grant condition period.
Where an application for disabled facilities grant has been approved and the eligible works consist of or include the installation in the property of specialized equipment for the disabled occupant(s), the applicant shall notify the authority if and as soon as the equipment is no longer needed.
For the purposes of this condition:
The authority further agrees, where the applicant has contributed to the cost of carrying out the eligible works, to pay to him, within a reasonable time of the removal of the equipment, the reasonable current value of that proportion of its original cost, which represents the proportion of his contribution to the cost of carrying out the eligible works.
For the purposes of sub-paragraph (6.5.4), the reasonable current value of the equipment shall be its value at the time of removal from the property.
Subject to the authority giving prior written notice in accordance with sub-paragraph (6.5.3(b)) the applicant agrees to afford, or to use his best endeavours to arrange for the affording of, reasonable access to the property to the authority for the purposes of inspection and removal of the equipment.
In the event of a breach of any of the additional conditions, the authority may demand repayment from the applicant of a sum equal to the amount of the grant paid or, as the case may be, any instalments of grant paid and the same shall become repayable to the authority in accordance with section 52 of the Act.
Where the authority has approved an application for grant assistance and where the applicant receives payment on an insurance or damages claim in respect of the grant aided works, then they should repay to the authority the grant, so far as is appropriate out of the proceeds of any claim. The authority therefore requires that the applicant shall take reasonable steps to pursue any relevant claim to which this section applies, to notify the Council of that fact, and to repay the grant, so far as appropriate, out of the proceeds of such a claim.
The claims to which this applies are:
a) An insurance claim, or a legal claim against another person, in respect of damage to the premises to which the grant relates, or;
b) A legal claim for damages in which the cost of the works to premises to which the grant relates is part of the claim;
c) And a claim is a relevant claim to the extent that works to make good the damage mentioned in paragraph (a), or the cost of which is claimed as mentioned in paragraph (b), Are works to which the grant relates.
In the event of a breach of this condition, the applicant shall on demand pay to the local housing authority the amount of the grant so far as relating to any such works, together with compound interest as from such date as may be prescribed by or determined in accordance with the regulations, calculated at such reasonable rate as the authority may determine and with yearly rests.
The authority may determine not to make such a demand or to demand a lesser amount.
Note:
1. Grant conditions cannot be imposed on tenants, but may be imposed on the landlord if they are was required to provide a certificate of intended letting before the application from the tenant was entertained.
2. Grant applications related to movable structures used as accommodation such as caravans or boats will be considered eligible on a case by case basis.
To help applicants where the largest grant of £45,000 is not enough to meet the cost of the works and no other form of public help is available. This loan is available up to £25,000, and is administered by Lendology CIC, conditions apply see Section 16.
The handyperson service can provide a range of works for older and disabled people so they can maintain independent living. The range of jobs include:
This list is not exhaustive, generally work should small repairs that can be completed quickly.
Home owners and tenants over the age of 50 or disabled people of any age. This service is available throughout Dorset subject to demand.
All eligible applicants need to pay for the cost of any materials used.
Applicants in receipt of at least one of the following benefits will only pay for parts, labour costs are free.
Applicants not in receipt of a means tested benefit will pay £20 per hour or part thereof. Most jobs are finished within 2 hours.
To improve properties to meet the Decent Homes Standard.
Up to £25,000 to remove a Category 1 hazard, to address fuel poverty or to bring a house up to the Decent Homes Standard. A Decent Home is one that has reasonably modern kitchen and bathroom facilities, is in a reasonable state of repair and has adequate thermal insulation and heating facilities.
Fostering: Applications for loans will be considered where the works facilitate the fostering of children and could include works to improve or expand kitchen or bathroom facilities or provide additional sleeping accommodation.
All loans are administered by Lendology CIC, affordability and other conditions apply see section on Energy Improvement Grant.
Up to £25,000 per unit to bring an empty property back into use. The availability of loans to landlords is subject to there being a public benefit which may be:
The ability of the landlord to secure a commercial loan will be a factor in considering eligibility for a loan from the Council. Loans provided may permit either renting or sale. Properties made available to rent must be let at a rent, at or below Local Housing Allowance levels, and remain available for an agreed period likely to be equal to the period of the loan.
The landlord must become a member of the Council’s Landlords’ Partnership. Loans provided to enable renovation before sale will be repayable on sale or after two years whichever is the sooner.
Loans provided to enable renovation before sale will be repayable on sale of the property or when the loan term has expired whichever is sooner.
Loans are administered by Lendology CIC, conditions apply see section on Energy Improvement Grant.
A loan up to £10,000 payable across a maximum of 60 months to address defects to park homes. Applicants will need to provide written confirmation of security of tenure on their park home site. This might include a pitch agreement or a lease document.
Works can include;
Loans are administered by Lendology CIC, conditions apply see section on Energy Improvement Grant.
The aim of this scheme is to improve the homes of those identified as at risk of poor health from cold homes. The outcomes are to improve the health and wellbeing of the recipients, and reduce demand for health and social care services.
The scheme aims to improve insulation and heating systems to improve the homes of those identified as at risk of poor health from cold homes. Vulnerable people include:
Everyone is eligible for free energy advice. The scheme grant funds the following works to eligible applicants at no cost to the applicant:
The assistance may also include any work to prepare the home for insulation e.g. repairing cracked walls or render, or cutting a larger loft hatch.
Subject to meeting the eligibility criteria all works provided by the scheme are free.
Note: Healthy Homes Dorset is a partnership between Dorset Council, BCP Council and Public Health Dorset. It is delivered by Centre for Sustainable Energy and Evolve Home Energy Solutions
Energy Company Obligation (ECO) is a government energy efficiency scheme helping reduce carbon emissions and tackling fuel poverty.
Healthy Homes Dorset provides help and advice for residents in Dorset to access this funding. Measures to improve the energy efficiency of homes include:
ECO-Flex Statement broadens the national eligibility criteria allowing more residents to access funding in Dorset.
This is a national scheme and eligibility may change over time. Those on low income or on means tested benefits are however highly likely to be eligible for funding.
Contact Healthy Homes Dorset to check eligibility.
Energy efficiency loans: up to a maximum of £15,000 can be obtained to provide the following works in domestic property:
All works are subject to a survey by a competent person, no early repayment charges are applied and there are variable repayment periods available. Loans are administered by Lendology CIC conditions apply see section on Energy Improvement Grant.
In response to government guidance promoting the use of loans to encourage private sector renewal Dorset Council is a member of a consortium of Councils in the SW that funds Lendology Community Interest Company (Lendology CIC). Lendology CIC provides a range of affordable loans on behalf of these Councils.
The conditions below relate to all loans administered by Lendology CIC.
Eligibility:
The following conditions apply:
Loan products are constantly being reviewed, but Lendology CIC have a variety of loan products to meet individual need. The core products include:
fixed fee (only where client unable to afford any other options)
Lendology CIC’s financial assessment will determine the most appropriate loan product to meet individual need. In some circumstances, applicants may require a combination of loan products and a variation of interest rate to ensure responsible and affordable lending.
The Council will respond to any enquiry for assistance by conducting a survey of the property to identify eligible works, and will discuss eligibility for a subsidised loan.
The Council will confirm the works eligible for assistance and forward a referral to Lendology CIC, who operate as the Council’s loan administrator. Eligible works on Home Loans will be restricted to those necessary to meet the Decent Homes Standard only.
In order to simplify the process for applicants Lendology CIC may conduct financial assessments ahead of any survey by the Council should the initial enquiry be made to Lendology CIC. In such situations it will still be necessary for the Council to determine the eligible works and approve the application.
Lendology CIC will determine if a loan can be provided and agree the terms of any such loan with the applicant before requesting the Council’s consent to the approval of the loan application. It is the function of Lendology CIC to determine which loan product, if any, is available to an applicant following a financial assessment.
Their decision on an applicant’s ability to service a loan is final. Lendology CIC will determine if a loan can be provided and agree the terms of any such loan with the applicant before requesting the Council’s consent to the approval of the loan application. Referral can only be made by the Council and any loan offered can only cover the cost of works deemed eligible by the Council.
Applications for loans are made direct to Lendology CIC. An application will need to be accompanied by two competitive estimates suitably itemised. Loans are subject to a limit of £25,000 (£10,000 for park homes) and once approved, are registered by Lendology CIC at the Land Registry as a title restriction. Approval of
loans in excess of £25,000 may be considered as an exception to this policy but will be subject to support from the loan administrator and will require the approval of the Corporate Director Housing in consultation with the portfolio holder Housing.
On confirmation from Lendology CIC that a loan application may be approved, the Council will review the loan offer, and the details of the application. The Council will make the final decision on the loan application and notify Lendology CIC accordingly.
The loan agreement is between the property owner and Lendology CIC. It is the responsibility of the applicant to undertake the works for which the loan is provided, make the agreed repayments to Lendology CIC and to confirm completion of the works to the Council.
The interest rate charged by the loan provider will be fixed for the duration of the loan and will be between 0% – 4%.
The maximum number of loan applications that Dorset Council will consider by any one applicant (either a person, company, charity or trust) or related to one particular property is three. The reason for the policy decision is to manage the risk of default from multiple loan to the same person..
Note: The capital for these loans is provided by the Council but administered by Lendology CIC.
The Energy Improvement Grant is designed to enable homeowners and tenants* with a disability to quickly access financial assistance to conduct a wide range of Energy improvements around the home.
Funding is made available by Dorset Council in response to the cost-of-living crisis.
This is to achieve and promote independent living, assist people coping with the cost of living crisis and assist with meeting of local authority energy efficiency commitments.
A person is eligible to apply for an Energy Improvement Grant if they:
The grant assistance will not be provided for tenanted properties where the eligible works are the normal, legal responsibility of the landlord or where a landlord is subject to enforcement proceedings by the Council. (For example, an Improvement Notice or other Housing Act 2004 notice has been served or is being considered by the Council against a landlord).
Tenants living in housing association properties are excluded from this grant as housing associations have an obligation to meet legislative energy guidelines.
At the Dorset Accessible Home Service discretion, a grant will be considered for the reasonable cost of the work necessary to:
In providing financial assistance we are committed to ensuring that no one is discriminated against on the basis of their age, disability, employment status, ethnic or national origins, race or colour, marital status, religious or political beliefs, responsibilities for children or dependents, gender or gender reassignment, sexuality, social class, or unrelated criminal convictions.
Dorset Council actively supports the Armed Forces Covenant, a promise from the nation that those who serve or have served in the armed forces and their families are treated fairly. Dorset Council reserves the right to use its discretion to ensure members of the armed forces community face no disadvantage compared to other citizens in the provision of our services.
A version of this policy can be provided in large print upon request.
This policy was last reviewed in 2023.
The next expected review date is 2025.