Test of resources - means test
For all statutory Disabled Facility Grant (DFGs) enquiry the council must carry out a Test of Resources (commonly called a Means Test).
The council has to carry out Test of Resources in line with the Housing Grants, Construction and Regeneration Act 1996 and the details and criteria provided by Government.
The test calculates a person’s (or couples) weekly average income. This is compared with an assessment of basic needs which are recognised by a range of premiums and allowances, to reflect outgoings. If a person’s resources are more than the assessment, a contribution (ie money from the applicant) is required towards the cost of the works. If a contribution is required we will let an enquirer know what this is in writing.
Before we are able to offer our discretionary Agency service to help design and secure adaptations through a DFG we will need to see that an applicant has sufficient funds to pay for all of their contribution towards the grant eligible works.
The council does not have loans to cover contributions that are necessary by home owners towards adaptations. In other similar cases residents have used a variety of methods to pay their contribution including;
- Donation from family and friends
- Charitable contribution
- Personal loans from banks and building society or credit unions such as Walsave
- Equity release loans or re-mortgages
We would always recommend that someone obtains Independent Financial Advice when considering how to pay for their contribution.
This page was last updated on 18 February 2015