Skip to content
Feedback button

Home Improvement Loan for owner-occupiers and private landlords


A discretionary loan of up to £25,000 (£10,000 for Park Home owners) to help meet the cost of hazard removal, repairs and energy efficiency measures.  

Applicant conditions for owner-occupiers

Unlikely to be able to access mainstream lending (for example, due to employment/income status, credit history, age, or other circumstances) and

  • repairs are deemed necessary or
  • deemed to be in fuel poverty or
  • with children under 16 years of age or
  • with long-term health issues or disabilities or
  • park home owner-occupiers on licensed sites

Properties must be the main or only residence. Second homes and holiday lets are excluded.

Applicant conditions for private landlords including HMOs and single occupancy dwellings 

  • A tenancy agreement or Cornwall Council Private Sector Leasing (PSL) agreement in place or is expected to be in place shortly 
  • There are no ongoing possession proceeding, for example Section 8 or Section 21
  • No ongoing active prosecution or civil penalty proceedings
  • The property may or may not have had a notice served. Applications can either be proactive or as the result of a tenant complaint 
  • For licensable HMOs, a valid application must have been submitted or a licence is currently in place 
  • If part of the property is used as a holiday let, tat unit will not be eligible for funding
  • Retrospective applications will not be accepted 

All necessary permissions must be in place, for example planning permission or building regulations approval. 

Need help?

Most issues can be resolved online, it's the quickest and most convenient way to get help.

Use our contact us form