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- ⁄ Equity release
The Houseproud Scheme will be operated by Spirita Care & Repair on behalf of the Council using the Home Improvement Trust as the loan provider. A variety of loans are available the three main options are:
- capital release loan
- interest only loan
- capital and interest repayment loan
What work qualifies?
works of repair or improvement an adaptations where other funding is not available or appropriate
Who is eligible?
Private Sector householders (freeholder or leaseholder) who are:
- aged 65 years or over
- under 60 years of age with a disability
Householders who may be eligible are:
- applicants not in receipt of benefit, who cannot otherwise afford the works
- applicants for grant where the cost of the works exceeds the maximum grant allowed
- grant applicants who wish to fund other reasonable, but non eligible works and cannot otherwise afford to do so.
Maximum amount
The amount of loan offered will be based on the cost of the agreed works, the applicant's personal circumstances and equity available in their home. Loans typically vary from £3,000 to 30 per cent of the value of the property.
Fees and charges
- A schedule fee
- Administration costs of the loan provider
- Legal costs in confirming ownership and registering any relevant charges
- Costs up to a maximum of £500 will be met by the council.
Loan conditions
These will be attached to the loan by the loan provider, the Home Improvement Trust and may vary according to the type of loan product applied for. Houseproud loans will be secured as first charge on the applicants property. Conditions will be provided to the applicant in writing before any agreement to proceed with the loan is made.
Application process
The loan is facilitated by our partner Home Improvement Agency; Spirita Care and Repair
Please note that all grants are offered at our discretion and subject to funds being available. Please contact the Private Sector Housing Team, using the details below, to check current availablility.Contact details
South Derbyshire District Council
Environmental Health
Civic Offices
Civic Way
Swadlincote
Derbyshire
DE11 0AH
Tel: 01283 595719
Fax: 01283 595855
Online: contact form
email: privatesectorhousing@south-derbys.gov.uk
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