A Disabled Facilities Grant (DFG) is the main source of funding for home adaptations in England and Wales, but it isn’t the only one. Depending on your situation, there may be other routes to help cover the cost of changes to your home.
Council discretionary funding
Local councils can use powers under the Regulatory Reform Order (RRO) to provide extra help. This might include:
- Grants above the normal £30,000 (England) or £36,000 (Wales) limit
- Loans to cover shortfalls
- Waiving or reducing the means test in special circumstances
Social services funding
Social services have duties under care legislation. They may contribute towards the cost of adaptations where:
- A person would otherwise need residential care
- A hospital discharge is delayed without adaptations
- The adaptation is essential to meet assessed care needs
Housing associations and landlords
- Social landlords may fund adaptations directly or jointly with the council.
- Private landlords can apply for a DFG on behalf of their tenants.
- Some landlords have their own adaptation funds or policies.
Health and NHS schemes
In some areas, the NHS may provide equipment or contribute to adaptations that support hospital discharge or reduce risks at home. This usually covers smaller adaptations or specialist equipment.
Charities and trusts
Charities sometimes provide grants, loans, or equipment, especially for specific disabilities. Examples include:
- National charities linked to particular conditions (e.g. MS Society, Motor Neurone Disease Association)
- Local charities offering small grants or equipment
- Benevolent funds linked to professions or trade unions
Self-funding options
If no other funding is available, people sometimes use:
- Savings or equity release
- Low-cost loans from credit unions
- Family contributions
Key points to remember
- Councils and social services can provide help beyond the standard DFG.
- Landlords and housing associations may also contribute.
- Charities and NHS services can provide extra support.
- Always explore all options before deciding to self-fund.
