Needmorecoffee, I don't want to patronise you, and I am sure that if there is something available you would have found it, but I know you come from the Bristol area from your profile, and this page on the Bristol City Council website has
Loan Fund Assistance
If you own your property and have a low disposable income, we may be able to offer a subsidised loan to repair your property.
These loans are administered by Wessex Homes Home Improvement Loans on our behalf to remedy failings under the Decent Homes Standard. There are currently three products available to homeowners: a repayment loan, an interest only loan and a rolled up interest loan. The loans can be for any amount between £1,000 and £15,000 and over a suitable repayment term of up to 15 years. The interest is subsidised by the local authority and therefore is a very competetive rate, fixed at 3%.
Minor Works Assistance
All enquiries for homes that fail to meet the Decent Homes Standard will initially be considered for subsidised loan rather than minor works assistance (grant). You will be subject to a simple financial assessment to calculate what level of disposable income you have (i.e the difference between your income and your essential outgoings). However, if you are on a very low disposable income you may only be eligible for grant assistance, but to qualify there must be a a member of your household who is vulnerable.
In some some circumstances, where the amount you could borrow on a subsidised loan is limited, you may be offered a combined loan and grant scheme to help with the necessary repairs .
All applicants must own and occupy the property for this form of assistance.
Discretionary Adaptation Assistance
Households who need additional funding to that provided under the mandatory Disabled Facilities Grants to carry out adaptations to their home where:
- There is a shortfall of grant under Disabled Facilities Grant to cover the full scheme of works required (as recommended by an occupational therapist).
- Works are not mandatory but would improve the quality of life for the disabled person.
- Have a need for urgent mandatory work but either the occupant has been diagnosed as being terminally ill or the adaptation will facilitate discharge from hospital or re-admission to hospital.
All options must be referred through an occupational therapist in the first instance.
Energy Efficiency Assistance:
This assistance aims to improve the energy efficiency of housig and alleviate fuel poverty by providing loft insualtion and cavity wall insulation for privately owned properties. Bristol city Council Private Housing and Adaptations Service is working in partnership with the Centre for Sustainable Energy (CSE) and Domestic and General Insulation Limited to achieve this.
Full assistance is available to vulnerable private households ( excluding Housing Association tenants) and a subsidised scheme is available non-vulnerable households.
If even one of these was available to you, it might help? I really don't want you to suffer a winter of worry, your daughter has fought so hard, there must be some assistance out there.