Liverpool

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Housing Support

Details on housing assistance, council housing options, and support for finding accommodation in Liverpool.

Sections

1. Types of Housing Support Available

a. Housing Benefit

Housing Benefit is a government-provided financial assistance to help people on low incomes pay their rent. While it is being gradually replaced by Universal Credit, some individuals may still qualify for Housing Benefit, particularly if they are:

  • Living in supported, sheltered, or temporary housing.
  • Of pension age (or part of a mixed-age couple where one partner is of pension age).

b. Universal Credit (Housing Element)

For most people, the housing costs element of Universal Credit has replaced Housing Benefit. This support helps cover rent payments for those on low incomes or out of work.

c. Discretionary Housing Payments (DHP)

If Housing Benefit or the housing element of Universal Credit does not cover the full rent, you may apply for a Discretionary Housing Payment. This is a short-term solution provided by Liverpool City Council to help with housing costs.

d. Council Tax Reduction

While not directly a housing benefit, Council Tax Reduction can help reduce the amount of Council Tax you need to pay if you are on a low income or receiving certain benefits.

e. Support for Homelessness or Risk of Homelessness

Liverpool City Council provides support for individuals and families who are homeless or at risk of becoming homeless. This includes emergency housing, advice, and assistance in finding long-term accommodation.

f. Local Housing Associations

Liverpool has several housing associations that provide affordable rental properties for those in need. These include organizations like Riverside, Plus Dane Housing, and Torus.

2. Eligibility Criteria

Eligibility for housing support depends on several factors, including your income, savings, immigration status, and housing situation. Below are the general criteria:

a. Housing Benefit

  • You must be on a low income or receiving certain benefits (e.g., Income Support, Jobseekerโ€™s Allowance, Employment and Support Allowance, or Pension Credit).
  • You must be paying rent.
  • You cannot have savings over ยฃ16,000 unless you are receiving Pension Credit.
  • You must not be eligible for Universal Credit (e.g., if you are of pension age or in supported housing).

b. Universal Credit (Housing Element)

  • You must be on a low income or unemployed.
  • You must have a tenancy agreement and be responsible for paying rent.
  • You must meet the residency and immigration status requirements (e.g., you must have recourse to public funds).

c. Discretionary Housing Payments

  • You must already be receiving Housing Benefit or the housing element of Universal Credit.
  • You must demonstrate a need for additional financial support to cover housing costs.

d. Council Tax Reduction

  • You must be responsible for paying Council Tax.
  • You must be on a low income or receiving certain benefits.

e. Homelessness Support

  • You must be homeless or at risk of becoming homeless within 56 days.
  • You must have a local connection to Liverpool (e.g., living, working, or having family in the area).

3. Application Procedures

a. Housing Benefit

  1. Check Eligibility: Use the governmentโ€™s benefits calculator to check if you qualify.
  2. Apply Through Liverpool City Council: Applications can be made online via the councilโ€™s website or by contacting the Housing Benefit team directly.
  3. Provide Documentation: You will need to provide proof of income, savings, tenancy agreement, and identification.

b. Universal Credit (Housing Element)

  1. Apply Online: Applications for Universal Credit are made through the UK governmentโ€™s Universal Credit portal.
  2. Provide Housing Details: During the application, include details of your rent and landlord.
  3. Attend an Interview: You may be required to attend an interview at your local Jobcentre Plus.

c. Discretionary Housing Payments

  1. Contact Liverpool City Council: Applications are made directly to the council.
  2. Provide Evidence: You will need to explain why you need additional support and provide evidence of your financial situation.

d. Council Tax Reduction

  1. Apply Through Liverpool City Council: Applications can be made online or by contacting the councilโ€™s Council Tax team.
  2. Provide Documentation: You will need to provide proof of income, benefits, and household composition.

e. Homelessness Support

  1. Contact Liverpool City Councilโ€™s Housing Options Service: You can reach them by phone, email, or in person.
  2. Assessment: The council will assess your situation and provide advice or emergency accommodation if necessary.

4. Associated Costs

  • Application Fees: There are no fees for applying for Housing Benefit, Universal Credit, Discretionary Housing Payments, or Council Tax Reduction.
  • Rent Shortfalls: If your benefits do not cover the full rent, you will need to pay the difference. This is where Discretionary Housing Payments can help.
  • Council Tax: Even with a reduction, you may still need to pay a portion of your Council Tax.

5. Local Considerations and Resources in Liverpool

a. Liverpool City Council

Liverpool City Council is your primary point of contact for housing support. They provide advice, process applications, and offer additional resources for those in need.

b. Housing Associations

Liverpool has several housing associations offering affordable housing. You can apply directly to these organizations or through the councilโ€™s housing register.

c. Local Charities and Support Groups

Several charities in Liverpool provide housing advice and support, including:

d. Private Renting in Liverpool

If you are considering private renting, Liverpool has a relatively affordable rental market compared to other UK cities. However, ensure you understand your rights as a tenant and check if you are eligible for housing support to cover private rent.

6. Tips for Navigating Housing Support in Liverpool

  • Act Early: If you are struggling with housing costs, contact Liverpool City Council or a local charity as soon as possible.
  • Keep Documentation Ready: Ensure you have all necessary documents, such as proof of income, tenancy agreements, and identification, to speed up the application process.
  • Use Online Calculators: Tools like the UK governmentโ€™s benefits calculator can help you determine what support you may be eligible for.
  • Seek Advice: If you are unsure about your eligibility or how to apply, organizations like Shelter and the Whitechapel Centre can provide free advice.

By understanding the types of support available, eligibility criteria, and application processes, you can access the housing assistance you need in Liverpool. If you have further questions or need personalized advice, feel free to ask!