I’m over 60 and can’t afford housing: what are my options? (guide)

For many individuals over the age of 60 in the United Kingdom, finding affordable and suitable housing becomes a significant concern. Economic shifts, pension limitations, and increasing living costs can make maintaining a stable home challenging. Fortunately, various governmental and charitable schemes are in place to support older people facing such difficulties. This guide explores the different avenues available, helping to demystify the process and highlight potential solutions.

What Steps Are Involved in Applying for Council Housing?

Applying for council housing, also known as social housing, is a structured process managed by local authorities in your area. The first step typically involves registering with your local council’s housing department. You will need to complete an application form, providing details about your current living situation, income, health, and any specific needs. Councils operate a ‘waiting list’ or ‘housing register’ system, where applicants are prioritised based on their level of need, often referred to as a ‘banding’ system. Factors such as homelessness, severe overcrowding, or significant health issues that are exacerbated by current housing can lead to a higher priority banding. It is important to provide comprehensive and accurate information to ensure your application is assessed correctly.

How Do Sheltered and Supported Housing Models Work?

Sheltered housing and supported housing are designed specifically for older people, often those with varying levels of care needs or a desire for a more communal living environment. Sheltered housing typically consists of self-contained flats or bungalows with shared facilities like a common room or laundry, and a warden or scheme manager who provides support and emergency assistance. Residents live independently but have the reassurance of support nearby. Supported housing offers a greater level of care, which can include personal care, meal provision, and help with daily tasks, tailored to individual needs. These models aim to provide a safe, accessible, and supportive environment, promoting independence while offering assistance when required. Eligibility often depends on age and specific care needs, which are assessed by the local authority or housing provider.

What Assistance Schemes Exist for People with Low Income?

Several assistance schemes are available to help people with low incomes manage their housing costs. Housing Benefit can help cover rent for those on a low income, whether they are working or unemployed. For individuals who have reached State Pension age, Pension Credit can provide additional income, which may include extra amounts for housing costs. Universal Credit has replaced Housing Benefit for most working-age people, but those who have reached State Pension age are generally still able to claim Housing Benefit. Local councils may also offer discretionary housing payments (DHPs) to provide extra help with housing costs if you are receiving Housing Benefit or the housing element of Universal Credit and need further assistance. Additionally, various charities and non-profit organisations offer advice, grants, and practical support for older people struggling with housing affordability.

Understanding Local Authority Assessments and Waiting Lists

When you apply for social housing or certain supported living options, the local authority will conduct an assessment of your needs. This assessment determines your eligibility and priority for housing. Factors considered include your age, health conditions, current housing situation, financial circumstances, and any support requirements. Following the assessment, you will be placed on a waiting list or housing register. The length of time you might wait can vary significantly based on the demand for housing in your area, your priority banding, and the availability of suitable properties. It is advisable to maintain regular contact with your local housing department to update them on any changes to your circumstances, as this could affect your position on the waiting list.

How to Evaluate Regional Housing Options

Evaluating regional housing options involves considering the types of housing available in different areas, the cost implications, and the level of support provided. For those over 60 struggling with housing affordability, options typically include social rented housing (council or housing association properties), sheltered housing, and potentially extra care housing. The availability and waiting times for these options can vary considerably between regions across the UK. Researching local council websites, contacting housing associations, and seeking advice from organisations like Age UK or Citizens Advice can provide valuable insights into what is available in specific locations. Considering proximity to family, local amenities, and healthcare services is also important when evaluating potential areas.

Prices, rates, or cost estimates mentioned in this article are based on the latest available information but may change over time. Independent research is advised before making financial decisions.

Exploring housing solutions when facing affordability challenges requires patience and a clear understanding of the support landscape in the United Kingdom. From applying for council housing and understanding the nuances of sheltered and supported living to leveraging various financial assistance schemes, a multitude of resources exist to help older individuals secure appropriate accommodation. Engaging with local authorities and advisory services can significantly streamline the process, ensuring that those over 60 can find a stable and supportive place to call home.