Help with housing costs
Housing-specific low cost loans to help you get or keep a home
There are many costs incurred by moving home and our experienced Housing team can help you to explore the options that may be available.
If you would like to apply for one of these loans, please contact us immediately. An experienced Housing Case Management Officer will carry out the necessary eligibility and suitability assessments and guide you through the application process.
Tenancy Start Up loan
If you are homeless or you have a threat of homelessness and you do not have the finances required to secure a property in the private rented sector, you may be eligible for a Tenancy Start Up loan. Prior to approving the loan, a full assessment will be carried out to ensure the property is suitable and affordable for you. You will be required to repay the loan at a rate that is affordable to you which will be agreed as part of the loan application. If the loan is approved, the funds will be paid directly to the landlord.
Rent Top Up loan
If you are threatened with homelessness due to rent arrears, you may be eligible for assistance with a Rent Top Up loan. In order to consider you for a loan, we will need to know how your arrears have accrued and carry out a full financial assessment to ensure the property is sustainable for you to continue living there. We will assist you to ensure you are maximising your income entitlement and explore ways in which your housing costs could be better met. As part of the application, your landlord must also confirm that any notice will be rescinded and that you will no longer be threatened with homelessness. If the loan is approved, the funds will be paid directly to the landlord.