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Home owner informationHousing - June 2011private.sector@kirklees.gov.uk
As a homeowner it is your responsibility to ensure that your property is well maintained and kept free from hazards which may
harm you or people who may visit your home. In some cases this may not be possible due to lack of finances, or you may not know how to
deal with the disrepair to your home.
We are able to give advice on such matters, and if required we may (if you wish) visit and inspect your home to identify any hazards that may be present. We will offer advice on how to remedy such problems, refer you to other organisations/departments that may be able to help with your situation. In certain circumstances offer financial assistance in the form of a home appreciation loan.
The home appreciation loan (HAL) is a secured loan that helps homeowners with the cost of repairs or other urgent works that affect
their health and safety, and bring their home up to a decent standard.
The loan allows you to release equity from your home to make the repairs, and unlike most other types of loan, there are no monthly repayments - the loan does not become repayable until the sale or transfer of ownership of your house e.g. if you sell your house, or pass it onto another family member. The amount of loan that may be given would normally be between £2,000 and £30,000 and is calculated as a percentage of the value of the property at the time of application. The HAL is aimed towards homeowners who meet the loan qualifying criteria, but in general terms you must:
For further information on the home appreciation loan, visit the Homes and Loans website or contact us direct from the details below
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