Ryedale District Council

Home improvement loans

Information and advice on help and support to improve your home.

Council Houses

The Council does not have any housing stock. Social housing in the district is provided by Yorkshire Housing Association and other social landlords. For further information on housing management issues or waiting list enquiries, please contact Yorkshire Housing Association or telephone 01653 600300.

Energy Efficiency Grants

This grant is to help people alleviate fuel poverty by helping with the cost of loft, cavity wall insulation and upgrading heating systems to meet the Decent Homes Standard.

Eligibility

To be eligible for EEG assistance you must normally:

  • Be in receipt of income related benefits or a low income
  • For help with heating, you must own your own home, your dwelling must be in Council Tax band A, B or C and the existing heating system must be beyond repair.
  • For help with loft or cavity wall insulation an owner or tenant can apply.
  • Have lived in the property for 3 years or more

What type of work will normally be grant aided?

Improved insulation measures:

  • Insulation to the roof space
  • Draught proofing to windows and outside doors
  • Insulation to the hot water cylinder
  • Insulation using polybeads for non– traditional cavity walls

Improvements to heating systems:

  • Provision of gas, electric, oil or other central heating system with boiler and up to 5 radiators, including all pipe work.
  • Repairs to the existing heating system.
  • Conversion or alteration of a solid fuel open fire or stove

Who decides how much will be paid?

The cost of the works is based on competitive estimates and will be assessed by the Council.

Grant aid is available for 100% of the qualifying works of up to £6,500.

What if the work costs more than the maximum grant?

Any costs above the maximum allowed will be for the applicant to pay.

What if I'm not eligible?

Your details will be referred to a nominated contractor for advice.

For further information please email Housing Services or telephone 01653 600666.

Property Improvement Loan

This loan has been developed to enable vulnerable home owners to bring their property to a good standard of repair and maintenance.

Eligibility

To be eligible for a loan the applicant must :

  • Be over 18
  • Have lived in the property for more than 3 years prior to making the application
  • Have an owners' interest in the property
  • Be in receipt of certain benefits or on a low income

What types of work are covered?

These would encompass works to achieve a property to a good standard of repair

  • Be in a reasonable state of repair i.e. roof, windows and door repair electrical safety, structural defects
  • Crime prevention measures
  • Have reasonably modern facilities and services, i.e. kitchen and bathroom
  • By providing a reasonable degree of thermal comfort, insulation and programmable heating
  • is free from any category 1 hazard as determined by the Housing Health & Safety Rating System (HHSRS)
  • An administration fee of 7.5% will be charged and added to the loan

Will a survey be required?

As part of the loan, Council Officers will undertake a survey of the property and provide the applicant with a list of required works.

What aid is available?

The maximum loan is normally £7,500 and restricted to one application within a 5 year period.

Is the loan repayable?

The loan is repaid in full on sale or transfer of the property, with an option of early repayment available.

What happens if the works exceed the maximum aid available?

If the works cost more than £7,500 including the fee, then in exceptional circumstances and at the Council's discretion this can be increased.

There are limited finances available for assistance each year and all enquiries are dealt with in date order.

Please note that you will not normally receive any assistance if you start work before the Council approves your application.

You should also make sure that you separately secure any planning or building regulation approvals that may be required.

For further information please email Housing Services or telephone 01653 600666.

Landlord Improvement Loan

Landlord Loans are discretionary forms of assistance designed to provide practical help by means of a loan for renovation/repair work to ensure the property complies with the Decent Homes Standard and for the installation of fire precautions or the provision of the required amenities.

These loans have been designed to provide practical help to renovate and improve empty properties and Houses in Multiple Occupation, to ensure that properties are habitable and rendered fit for occupation.

Who can apply?

  • Owners of empty properties and Houses in Multiple Occupation
  • Be over 18
  • Have an owners interest in the property
  • Have a duty/power to carry out the works
  • Properties must be over 10 years old.
  • An empty property needs to have been empty for 6 months or more.

What aid is available?

The loan assistance will be available at a rate of 100% of the cost of eligible works, subject to a maximum loan of £15,000.

If the applicant can prove that the property has been empty for 2 years or more then the VAT is calculated at 5% of the cost of the works.

What types of work are covered?

  • Undertaking any necessary repairs and improvements
  • Provision of fire precautions
  • Have reasonable and sufficient modern facilities
  • Energy efficiency measures

Are there conditions?

The applicant will be required to enter into a five year agreement with the Council, which requires that

  • The property will be available for rent for the 5 year agreement period to an eligible occupier
  • The loan to be repaid in full within 5 years or sooner should the applicant wish.
  • A local land charge is place on the property for 5 years or until full repayment
  • An administration fee of 7.5% will be charged and included in the loan.

Will a survey be required?

As part of the loan, Council Officers will undertake a survey of the property and provide the applicant with a list of works which it will be necessary to carry out in order to qualify for the loan.

Is the loan repayable?

If the owner sells the property within the 5 year period, the owner will be required to repay the loans monies to the Council in full.

What happens after 5 years?

Five years is the period for which the loan conditions apply. At the end of this time and once the loan is repaid in full, there are no longer any applicable conditions.

There are limited finances available for assistance each year, and all enquiries are dealt with in date order.

Please note that you will not normally receive any assistance if you start work before the Council approves your application.

You should also make sure that you separately secure any planning or building regulation approvals that may be required.

For further information please email Housing Services or telephone 01653 600666.

 

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Ryedale District Council
Ryedale House, Old Malton Road
Malton, North Yorkshire
YO17 7HH

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