These schemes span very different circumstances, buying your council home, adapting a property for a disability, or covering mortgage interest on a means-tested benefit, but they share one thing worth checking on every single one: whether what you're being offered is a grant, a discount, or a loan that comes back later.
Frequently asked questions
Are these schemes available across the whole UK?
Mostly these guides focus on England, since Scotland and Wales operate their own distinct versions or have abolished certain schemes entirely, Scotland ended Right to Buy in 2016 and Wales in 2019, for example. Always check the specific rules for your nation.
How do I know if a scheme is a grant or a loan?
Check whether repayment is ever required, and under what circumstances. A genuine grant, like the core Disabled Facilities Grant amount, is never repaid in the ordinary course, though some carry conditions like a land charge. A loan, like Support for Mortgage Interest, is always repaid eventually, typically when the property is sold.
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