Lewisham Council - What you can a home repairs loan for

What you can use a home repairs loan for

The home repairs grant and loan can cover all work needed to bring your home up to the decent homes standard.

What you can use a home repairs lo​an for

You can use a home repairs loan to:

  • fix serious disrepair to roofs, walls, windows, doors and chimneys
  • fix serious disrepair to gas and electrical installations
  • fix any hazards that present a serious health risk
  • replace kitchens that are old and in poor repair, or where you can’t safely prepare food
  • replace bathrooms that are old and in poor repair, or provide hot water or an indoor toilet
  • stop your home being cold and damp, install full gas central heating and loft and cavity wall insulation.

What works you must do

To be eligible for a grant or loan, you must carry out all the work that your home needs to bring it up to a decent standard. You can’t leave out work that will leave your home in a non-decent condition.

You can apply for a separate emergency home repairs grant, which does not require you to do all the work to bring your home up to a decent standard.

Extra home repairs

If you want to carry out extra work, you need to negotiate the cost directly with your contractor.

Getting a quote

To get a grant or loan, you need to give us two original quotations or estimates from legitimate building contractors for the full cost of the building work.

Choosing a building contractor

Although we will organise a loan or grant, you will choose and organise a contractor to carry out the work. It is important to take care when choosing a building contractor. You should not enter into any agreement with a contractor until your grant or loan application has been approved and you are certain you can meet the cost of the work.

Where to find a contractor

You can find a contractor using Trustmark, which is a scheme backed by the Government, the building trade and consumer groups.

Find out if you can apply for a home repairs loan.

Maintaining your home

It is your responsibility to maintain your home once the grant has been awarded and the works completed (unless you are a private tenant with a repairing obligation).

Contact us

You can contact us on the details below. If you email us, please include HRG in the subject line of your email.​​​​


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