The Council and other organisations can, in some circumstances, offer financial assistance towards the cost of improving your home, carrying out repairs or adapting a home for a disabled person.
A Home Appreciation Loan (HAL) is an equity release loan without monthly repayments to help homeowners to afford the work needed to bring their properties up to a decent standard.
The loan is for anyone who is classed as ‘vulnerable’ and unable to access a conventional, commercial loan:
Important Note: Check that this mortgage will still meet your needs if you want to move or sell your home or if you want your family to inherit it.
If you are in doubt, seek independent advice.
For further information on the range of financial assistance available and what you may be entitled to please see the options below or alternatively contact us.
If you are planning to carry out any work to your property we advise that you consider the information below.
Organisations likely to be able to provide help or advice regarding having work done to your house. Some organisations may also be able to provide advice regarding financial assistance if you are unable to secure funding from your existing lender.
The Citizens Advice service helps people resolve their legal, money and other problems by providing free independent and confidential advice. They cover a whole range of issues including debt, benefits, housing, consumer issues and the law.
Telephone: 0344 245 1282
6-8 Windsor Road
There are also various community venues that hold advice sessions and you are advised to contact the above telephone number, or call into one of the 3 places listed above for more details of these.
If you are a home owner or private tenant aged over 60 but not eligible for the Warm Front Scheme you may be able to apply for a grant towards the repair or replacement of an inoperable heating system, or towards the cost of a new system if you do not already have one. For further details of this scheme contact Eaga on
0800 316 2808
Energy Suppliers are obliged to promote and achieve home energy efficiency targets and offer various schemes and promotions from time to time. The Energy Saving Trust has details of all grants and special offers offered by energy suppliers. They also offer advice on steps you can take to reduce energy costs yourself.
Telephone: 0800 512 012
The Financial Services Authority (FSA) is concerned with the regulation of financial services and markets in the UK. Any person who carries out a regulated activity in the UK must be authorised by the FSA, or exempt. If you are dealing with any company offering financial services it is recommended that you first check they are on the FSA register. The FSA also give advice and tips on dealing with lenders etc.
Telephone: 0845 606 1234
GOV.UK is the UK government's website for government services and information.
Age Concern and Help the Aged are now Age UK. They offer a wealth of information and advice for older people including advice on benefits, care and help in the home and help with small repairs etc.
Telephone: 0800 169 8787
Local centres – Age Concern Bradford and District Telephone 01274 395144
13-15 Sunbridge Road
There are various charities and community groups that may be able to help with the cost of repairs and adaptations to your home. These tend to have specific eligibility criteria, for instance they may be linked to your former occupation, or to people of a specific religious faith. For details of any funding for which you may be eligible you could contact your local CAB or Age UK branch (details as above) or visit the Turn2us website which is a charitable service which helps people access the money available to them. They have a website which has been designed to help you find appropriate sources of financial support quickly and easily, based on your particular needs and circumstances.
Telephone: 0808 802 2000
Remember – Do not agree to have any work done, or accept any financial assistance until you are absolutely sure of all terms and conditions. Always check the credentials of any company, individual or organisation you deal with.