The houses we live in need some care and attention from time to time and when things go wrong, it can often be a worry understanding what needs fixing and how we go about fixing it.
Help with mortgages
We can help local residents struggling with their mortgage payments and who are at risk of losing their homes through repossession through our Mortgage Breathing Space scheme.
Mortgage Breathing Space is a helping hand for homeowners who are struggling to pay their mortgage or a secured loan.
We may be able to help you if you are worried that you may lose your home because of debt problems. A Mortgage Breathing Space loan can help homeowners who are at risk of becoming homeless.
If you qualify for help, we could give you an interest free, secured loan of between £2,000 and £15,000. The loan can be used to clear arrears or pay your future payments for up to 12 months on your secured loan and/or mortgage.
To qualify for a loan you must:
The loan can be used to stop legal action on your home by your lender and let you stay there if you can afford to pay your mortgage in the future. If you can't afford your future payments, we can still give you a loan to stop legal action while you sell your home.
We don't charge you any fees or charges
The loan is interest free so you only pay back the amount you borrow
With up to three years to pay back your loan
No payments to make until the end of the three year period/ or until you sell your home if this happens first
If you don't qualify for a loan we will can still look at ways to help you and it's never too late, call us for more information on 01924 305892 or email at firstname.lastname@example.org
Money Smart is a free Council service to help you manage your money and make the most of your income.
The Money Smart team can help you with budgeting, debt advice, switching energy suppliers and other ways to help you maximise your income.
There is more information on our page here (link to page 35)
Interest-free loans for homeowners
Fix your emergency repairs, or enjoy a warmer home
Wakefield Council offers interest-free loans to homeowners who need to carry out emergency or essential repairs to their homes, or who need to make their homes more energy-efficient and save money on their heating bills.
Our interest free loans can be used for things such as:
Loans are available up to a maximum of £7,000 over a repayment period of 5 years.
You can select your own reputable installer to do the work, however the Council may be able to help you find someone if required.
To apply you must be an owner-occupier and meet ONE of the following criteria:
Be aged 60 or over
Be in receipt of an income related benefit (excluding Child Tax Credit)
Be in receipt of Working Tax Credit
If you do not meet one of the three criteria listed above you may also qualify by undergoing a simple application assessment by our Loans Officer.
To apply or for more information call 01924 305887 or email email@example.com
For more information, read our leaflet
Free advice and help
We offer a free Repairs Advice Service for homeowners to help you:
understand what is causing the problem in your home and what needs to be done to fix it
choose the right tradesman
plan ahead for other home repairs
understand about getting the right information before works start
understand how and when to pay for works
understand what to expect from a tradesman
understand your responsibilities when you have employed a tradesman
If you would like any information about how we can help you as a homeowner please get in touch on the contact details below.