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Help to repair your home

We may be able to help repair your home through grants, loans and advice.


This is for owners who cannot afford monthly repayments on a loan but have equity in their property. To qualify you must be on a low income (based on a means test) and over 60, or over 18 and on a disability benefit. You need have owned and lived in the property for 3 years, and the property must be over 10 years old. Eligible works will be items of repair that are required to enable the occupant to live in a hazard free home and of a decent standard.

In addition, our surveyor will able to advise you about general maintenance and provide approximate costs. He or she will also consider energy efficiency and if required refer you to the Energy Saving Trust WalesOpens new window (one of our partners) to help tackle fuel poverty and help reduce energy use and carbon dioxide emissions.

PDF Document Homefix loans information leaflet (PDF, 310KB)Opens new window

Emergency repair fund (ERF)

To be eligible to apply for the ERF you must:

  • Be over 60, or over 18 and in receipt of a disability benefit; and in receipt of income support, guaranteed pension credit, council tax benefit, or income based job seekers allowance
  • Have lived in and owned your property for 3 years or more

If you are a housing association tenant or a private tenant you cannot apply for an ERF - contact your landlord if you think your premises require repairs. There is more information on this in the Private Rented Housing section.

Only defects which represent an immediate danger or require emergency rectification are eligible to be included under the ERF. These can include serious leakage, risk of collapse, malfunctioning sanitary facilities, risk of fire, serious damp, risk of fall etc.

The maximum grant is £3000 over any 5 year period, with awards made under previous legislation/policy taken into account. Any grant approved will be placed as a local land charge against the property.  This means it must be repaid when the property is sold or transferred to another owner.

The property must be able to be put into a reasonable state of repair and hazard free for this amount. If it cannot, the homefix loan will be offered in its place.

Comfort safety and security grants (CSS)

This is aimed mainly at minor repair work for owner occupiers who are Swansea Care and Repair Clients (older and disabled persons) in receipt of a means tested benefit. The maximum funding is a £1000 over any 5 year period with awards made under previous legislation or policy taken into account. These works could facilitate an adaptation or telecare package and would be undertaken by Handy-person. The Care and Repair CymruOpens new window website has more information.

National home improvement loan scheme

The national home improvement loan scheme is a Welsh Government initiative to offer interest free loans to help homeowners improve and repair their properties to make them safe, warm and secure. 

Both individuals and companies can apply for a loan however priority will be given to owner occupiers over landlords and developers (and to landlords willing to offer properties at affordable rent levels). 

The maximum loan amount will be £25,000 per property and providing there is no default on the loan, they will be interest free. Loans can be paid off over a period of up to ten years for owner occupiers and five years for landlords.

Although the loan is interest free a one-off administration fee of 15% of the loan amount is payable by applicants to cover the cost of processing applications. This includes the cost of a surveyor assessing your property to establish what works are required, preparing a schedule of works, costing up the work, appointing a contractor and supervision and payment of the works.

PDF Document Information leaflet for national home improvement loan scheme (PDF, 15KB)Opens new window

To apply, please complete and return the  PDF Document National Home Loans expression of interest form (PDF, 64KB)Opens new window.

For more information please contact us.

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