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How do I apply?

If you think you are eligible and can afford the repayments on the amount you need to borrow, you can complete a Local Authority Home Loan application form here.

Your application form must be signed by all applicants and submitted to your local authority either in person or by post. Applicants are advised to contact their local authority to check how to submit their application. Please refer to the "Checklist for applicants" before submitting your application to ensure it is completed correctly and all relevant documentation has been included.

Your application will be assessed and you will be advised of the decision in writing. Lending criteria, terms and conditions apply. Security and Insurance required. Further information on how to apply is available in our FAQ or from your local authority. Once submitted, all queries in relation to your application and the decision should be directed to your local authority.