Opening your guide…
Just a moment.
Opening your guide…
Just a moment.
Example · nothing will be saved
Stage 5 of 9
This preview shares the things I found useful at this stage. A saved journey brings forward the experiences most relevant to your answers.
I learned that this stage is about turning the proposed work into a costed scheme and finding out who will pay for what. The council may use quotations, an agreed schedule of rates or a framework contractor. I found that the cheapest figure is not always the only consideration, but the council still needs to be satisfied that the cost is reasonable.
I learned that many adult applications include a financial assessment, which may lead to an assessed contribution. Different rules can apply in some situations, including applications involving disabled children, certain benefits and landlord applications. The mandatory grant has a national upper limit, although some councils offer extra help through a local Housing Assistance Policy. You should not be left to work this out alone—the council should explain what applies.
I learned that the council may get more than one estimate, or use a contractor whose prices have already been agreed through a framework.
I learned that you may receive a financial assessment showing an expected contribution, or confirmation that no contribution applies.
I learned that if the eligible work costs more than the grant available, the council may discuss a different design, discretionary assistance, funding from a landlord or social care, personal funding or another option.
What helped me was asking for a written breakdown showing the eligible work, fees, total estimated cost, assessed contribution, grant amount and any remaining gap.
What helped me was raising any funding shortfall early, rather than letting drawings, quotations and expectations continue to grow around money that had not been agreed.
What helped me was keeping any privately funded extras clearly separate from the grant-funded work, including who would pay for them and who would carry the risk if they caused delays.
How has the estimated cost been worked out?
Is there an assessed contribution, and when would it have to be paid?
Is any part of the proposed work outside the grant-funded scheme?
Is there a funding gap, and what options are being considered to close it?
How long are the quotations or agreed prices valid?
Are future servicing, maintenance or warranty costs included or explained?
What helped me was asking for all the figures on one page. A simple breakdown can often show whether the difficulty is the means-tested contribution, work above the grant limit, a preferred extra, or a cost that nobody has agreed to fund. I learned that these are different problems and may have different answers.
I found it useful to keep a record of the pricing route; contractors or framework used; estimates received; eligible work costs; fees; assessed contribution; grant amount; funding gap; additional funding requested; funding decisions; private extras; price expiry date; and maintenance or servicing costs.
I learned that a grant is not a general pot of money to spend on any work you prefer. It is tied to the work and costs approved by the council. What helped me was waiting for written confirmation from the council before paying a deposit or asking a contractor to start.
If nothing happens, what helped me was asking the council to name the exact gap and set out the options in writing. These might include changing or phasing the scheme, discretionary help, landlord funding, social care support or another source. I learned that if the proposed alternative would no longer meet the assessed need, it is important to say so clearly and ask for the relevant professionals to discuss it together.
I learned that a difficult funding conversation does not mean the journey has failed. It simply means the gap needs to be made clear and dealt with before the household commits to work it cannot afford.