Home adaptations and assistance proposed policy - Appendix 5: Deferred payment loans for top up grants

Deferred Payment Loans will be offered to provide additional funding for Disabled Facilities, or for essential Home Repairs and Improvements under this policy.

Applicants must be an owner-occupier of the dwelling to which the application applies.

No interest will be charged (this is yet to be decided pending further legal and finance consideration around costs to Council).

The deferred payment amount will be registered as a Land Charge with the Land Registry. This charge will be subsidiary to any charge placed for a mortgage.

Applicants must allow the Council to take whatever steps it considers appropriate to verify the application.

The council will not approve an application if the relevant works have been started before the application is approved.

The payment is repayable on sale or transfer of ownership of the property, or if the property is left vacant for six months or more. The Council may, at its discretion waive, reduce or defer its demand for repayment if:

  • the applicant has died and the property has transferred to their partner, who continues to live there
  • the applicant has moved to a residential or nursing care home, and funds are required to pay for care
  • other exceptional circumstances apply

Decisions to defer or waive repayment are taken by the Assistant Director. Any appeals will be considered by the relevant council Director.