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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

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.

Welsh Government owner-occupier loans

A Welsh Government funded scheme that offers interest free loans to help homeowners carry out repairs to their homes to make them safe, warm and secure. 

Both individuals and companies can apply for a loan however priority will be given to owner occupiers. 

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 monthly instalment period through to March 2029 .

Loans will be subject to an affordability test to confirm the applicant has sufficient income to repay the loan. For owner-occupiers on low income who cannot afford a repayment loan, they can be assessed for eligibility for owner-occupier repayable financial loan assistance that will be repayable on future sale or transfer of the property. Works within this loan are restricted to urgent repairs only.

Although the loan is interest-free an administration fee is charged 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 costed works, appointing a contractor and supervision and payment of the works.

Word Document Welsh Government owner occupier loan and owner occupier repayable financial assistance (Word, 67KB)Opens new window

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Apply for a Welsh Government owner-occupier loan

For more information please contact us.


Apply for a Welsh Government owner-occupier loan

A Welsh Government funded scheme that offers interest free loans to help homeowners carry out repairs to their homes to make them safe, warm and secure.

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