Homeowners, do you need help to tackle repairs, or are you struggling to afford essential improvements to your home?
The Home Improvement Team can advise and assist you through the Helping Hand homeowner financial assistance scheme.
One of the aims of your local council is to help homeowners to improve the warmth, comfort, safety and security of local homes.
Advice and Practical Support
As well as providing financial help, we can also provide help with the following:
- Understand how to carry out home maintenance, preventative and improvement
work or access the local 'Handy Person' Service where this exists and you are eligible for help.
- Work out what the work may cost if a contractor is required, and to investigate the options for funding the work, this may include help to consider charitable or family funding, use of insurance cover, or how an Independent Financial Advisor may be able to help.
- Choose a suitable contractor and to get fair estimates for the work, and to manage the contractor while works are being carried out.
- Decide whether staying put or moving home offers the better solution for your needs.
If you are struggling to afford to keep your home safe and comfortable to live in, an
affordable loan may be available too. The loan could be used to:
- Make essential repairs.
- Provide a new kitchen or bathroom.
- Install double glazing.
- Renew the electrical wiring.
- Provide a new and efficient heating system.
Helping Hand can provide you with a loan that can be paid back in affordable instalments over many years, or a loan that is paid back when you choose to sell
your home or it is inherited by a member of your family. It may even be interest-free depending on your circumstances.
If you take out a loan, the council will help you to choose a suitable contractor, to get fair estimates for the work. The council will inspect the standard of the work and pay your loan to the contractor directly so that you don't have to worry.
We will be happy to arrange an appointment to visit you in your home at a convenient time to discuss your requirements.
Who is eligible for a loan?
You may be eligible for a loan if you meet the following criteria:
• Homeowner for a minimum of 12 months and within Newcastle upon Tyne
Helping Hand loans are for people on low incomes. If your property is in need of essential repair or improvement and you cannot afford to get the work done we
may be able to help. You must own your home and have lived there for at least one year. There isn't limitless money if we can't meet all of the demand we'll advise you
about other options.
How do Helping Hand loans work?
Information about your financial circumstances will be compared to the results of a survey of your home. We will have a look to see what work is required, calculate
what the work will cost and help you to determine whether you can afford it.
If you cannot access a loan from a bank, building society or other reputable lender you may be offered an affordable Helping Hand loan.
Depending on your financial circumstances the loan can be repaid in instalments, or if you have no spare money, it can be repaid when you choose to sell your home or when it is inherited by a member of your family.
If you take out a loan, the council will help you to choose a suitable contractor and to get fair estimates for the work. The council will inspect the standard of the work and pay your loan to the contractor directly so that you don't have to worry.
You can download a copy of our Financial Assistance Policy below:
If you want to find out more please get in touch:
Home Improvement Team
Housing Development and Partnership Management
Newcastle upon Tyne
Phone 0191 211 5836
Fax 0191 211 4948
For further information on the Helping Hand scheme visit: