When working out your Housing Benefit, the Housing Executive gives you premiums and allowances for everyone living in your home. These allowances and premiums are changing under welfare reform and this may mean that some people receive less Housing Benefit.
As long as you meet certain conditions, you can get a loan to help with the interest payments on your mortgage. But, you will have to wait 9 months from the date you first apply for Universal Credit to get this help and it won't be backdated.
Speak to someone urgently if you’re being abused in your home. Call Women's Aid for help and support on 0808 802 1414. Women’s Aid is the number one charity that helps people affected by domestic abuse. It provides help, advice and counselling to men and women. In an emergency call 999 for help.
Whether you own your home or rent it, you need to have contents insurance. Homeowners will also need to have buildings insurance and may have to have life assurance as part of the conditions of their mortgage. Insurance protects you against risk. In return for this cover, you pay a premium to the insurance company. You can usually pay your premiums in a lump sum or in monthly deduction
The Housing Executive will consider you in priority need if you are particularly vulnerable. If you are homeless, eligible for assistance and the Housing Executive thinks you may be in priority need you can get temporary accommodation while it completes the investigation.
Many people can sort out their debt problems by negotiating with creditors and trying to settle debts, often with free help from an advice agency. However, there are more formal ways to solve debt problems but these will have a big impact on your future ability to get a loan, mortgage or any other type of credit.