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Home improvement loans

If you're struggling to afford to keep your home safe and comfortable to live in, financial assistance in the form of a loan for essential home improvements may be available.

The Staying Put Agency has money available to help older and vulnerable people living in Middlesbrough, whose property falls below the Decent Homes standard.

Loans are only available to owner occupiers who have lived in the property for longer than 12 months, have current buildings insurance, and have evidence that they're unable to to access commercial lending.

What can the loans be used for?

Essential home repairs and improvements include:

  • Electrical rewiring

  • Replacement doors and windows

  • Damp proof courses (DPC)

  • New kitchen units and bathroom suites

  • New central heating systems

  • Roof and structural repairs

What kind of loans are available?

Repayment and equity release loans are available, depending on your circumstances and the recommendation of an independent financial advisor (IFA).

How much can I borrow?

You can borrow between £1500 and £15,000, depending on the cost of the works required.

Are there any hidden costs?

There are no hidden charges payable to arrange or receive the loan.

How do I apply?

Get in touch to discuss your situation and requirements. We'll be happy to arrange an appointment to visit you in your own home at a convenient time.

Phone: 0800 5875184
Emailstayingputagency@middlesbrough.gov.uk