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Home Improvement Loan



The ‘Safe, Warm and Secure’ scheme is funded by the Welsh Government to provide interest-free loans for housing improvements.  Improvements could be any work that is needed to make a home safe, warm or secure.


The minimum loan is £1,000.

The maximum loan for one flat or house is £25,000, provided this does not amount to more than 80% of your home’s current value. If you have a mortgage, the amount you owe, plus the amount of the loan, must be less than 80% of your home’s current value.  If there is any doubt about this, you may need to carry out a valuation of your property.

Loan Security

We will register a financial charge against the property at the Land Registry.  If you already have a mortgage, you will need to obtain the consent of your first lender to register the financial charge.  

The Application Process

Loans are subject to the availability of funding.  Once you have completed the application form, please send it, with your contractors’ quotes to:

Housing Solutions.

Housing Advice Centre

20 Church Street,

Ebbw Vale



If you have any queries about the application form, please contact:

Nicola Rainbird, telephone (01495) 354600, e-mail


Mark Congreve, telephone (01495) 354600, email


**Subject to funding availability