Home Adaptations and Assistance Policy - Discretionary Top-Ups: Deferred payment loans for home owners

Cumberland Council offers deferred payment loans to applicants who are owner-occupiers, who qualify for a Mandatory DFG but need additional funding. This may be because their adaptation is costing more than the maximum amount (£30,000). This applies to adaptations for adults and children.

Top-Ups are offered as deferred payment loans. This means that:

  • a charge is registered against the property that has been adapted for the amount above the mandatory limit
  • you make no repayments until the property is sold, or otherwise transferred (e.g. inherited), at which point the amount is repaid in full
  • no interest is charged

If you own your own home but do not have enough equity to accept deferred payment loans (e.g. because you have a very large mortgage), see Discretionary Top-Up – Exceptional Circumstances Grant Funding.