Advice and help for homeowners

Take a look at our most recent Energy & Homeowner Support Team newsletter by clicking on the link to the right of this page

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:

  • Own and live in the property

  • Only own one property

  • Owe less money in total on your mortgage and/or secured loan than your property is worth

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

Money Smart

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

Interest-free loans for homeowners

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:

  • A replacement boiler or radiators
  • Replacement double glazing or external doors
  • Roofing repairs
  • and more!

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:

  1. Be of state pension age
  2. Be in receipt of an income related benefit (excluding Child Tax Credit)
  3. Have a net household income of less than £16,105
  4. Be in receipt of Universal 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.

Apply now to secure your Wakefield Energy Savers Loan by calling 01924 305887.

Alternatively you can apply by email at

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

Contact us

Strategic Housing

Wakefield Council
Wakefield One
PO Box 700
Burton Street

01924 306665