How to Get Help with Moving Costs

Moving to a new home can be exciting, but the costs involved can quickly add up. For those on a low income, receiving benefits, or facing financial hardship, moving costs can feel overwhelming. Fortunately, there are programs, grants, and organisations that can help with moving expenses. This guide will explore the best ways to get help with moving costs, whether you’re on benefits, a pensioner, or simply in need of financial assistance.

Understanding Moving Costs

Moving house involves a variety of expenses, including removal services, deposits, and utility reconnections. These costs can be particularly challenging for individuals and families on a tight budget. If you’re struggling to cover moving costs, it’s important to know that help is available through government schemes, local councils, and charities.

Government Help with Moving Costs

The UK government provides several schemes to help low-income households and those on benefits manage moving expenses. These programs are designed to ensure that everyone has access to safe and secure housing, regardless of their financial situation.

Discretionary Housing Payments (DHP)

If you’re receiving Housing Benefit or the housing element of Universal Credit, you may be eligible for a Discretionary Housing Payment (DHP). DHPs can be used to cover moving costs, such as removal expenses or deposits for a new home. Contact your local council to apply for a DHP and provide evidence of your financial need.

Budgeting Loans

Budgeting Loans are available to individuals receiving certain benefits, such as Income Support, Jobseeker’s Allowance, or Employment and Support Allowance. These loans can be used to cover essential moving costs, including removal services and rent deposits. Budgeting Loans are interest-free and must be repaid over time.

Universal Credit Advance

If you’re moving and need immediate financial assistance, you may be able to apply for a Universal Credit Advance. This advance can help cover moving costs while you wait for your first Universal Credit payment. Contact your Jobcentre Plus work coach to apply.

How to Apply for Government Assistance

To access government help with moving costs, follow these steps:

1. Contact your local council to inquire about Discretionary Housing Payments.
2. Apply for a Budgeting Loan or Universal Credit Advance if you’re eligible.
3. Provide necessary documentation, such as proof of benefits, income, and moving expenses.

Acting quickly can help you secure the support you need before your moving date.

Council Help with Moving Costs

Many local councils offer financial assistance to help residents with moving costs, particularly if the move is necessary due to overcrowding, unsafe housing, or other urgent reasons. This support may include grants, loans, or direct payments to cover removal costs or deposits.

How to Access Council Support

To find out if your council can help with moving costs, contact their housing department and explain your situation. Be prepared to provide evidence of your financial need and the reasons for your move. Councils may prioritise assistance for individuals and families facing homelessness or living in unsuitable housing.

Charitable Organisations Offering Moving Cost Assistance

In addition to government and council support, several charities and organisations provide financial assistance to help with moving costs. These organisations understand the challenges of relocation and offer grants, advice, and practical support.

Turn2Us

Turn2Us is a UK-based charity that helps people in financial hardship access grants and support. Their online tool allows you to search for grants specifically designed to help with moving costs, including removal expenses and deposits.

Shelter

Shelter provides advice and support for individuals and families facing housing challenges. They can help you understand your rights, negotiate with landlords, and access financial assistance for moving costs.

Local Welfare Assistance Schemes

Many local councils offer welfare assistance schemes to help residents with essential costs, including moving expenses. These schemes vary by location, so contact your local council to find out what support is available in your area.

Help with Moving Costs for Pensioners

Pensioners on low incomes or receiving Pension Credit may be eligible for additional support with moving costs. Many councils and charities offer specific assistance for older adults, including grants and discounted removal services. If you’re a pensioner struggling to cover moving expenses, contact your local council or a charity like Age UK for advice and support.

Help with Moving Costs When Not on Benefits

If you’re not receiving benefits but still need help with moving costs, there are several options available:

Payment Plans with Removal Companies

Some removal companies offer payment plans to help customers spread the cost of their services over time. Contact local removal companies to discuss flexible payment options.

Emergency Loans

Some organisations and credit unions offer emergency loans to help with essential moving costs. These loans are typically low-interest and designed to provide short-term financial relief.

Crowdfunding for Moving Expenses

Crowdfunding through platforms like JustGiving can be a lifeline for individuals and families facing financial hardship. By sharing your story, you can connect with friends, family, and your community to raise funds for moving costs.

How to Create a Successful Crowdfunding Campaign

Follow these steps to create an effective crowdfunding campaign:

1. Tell Your Story: Share your situation honestly and explain why you need help with moving costs.
2. Set a Clear Goal: Specify the amount you need and how it will be used.
3. Share Widely: Use social media, email, and local community groups to promote your fundraiser.
4. Keep Supporters Updated: Post regular updates to show progress and thank donors.

Taking Action: Next Steps

If you’re struggling to cover moving costs, taking action early can help you access the support you need. Here’s a step-by-step guide:

1. Assess Your Situation

Start by understanding your moving costs and identifying areas where you need help. Gather information such as:

• Quotes from removal companies
• Details of your income and expenses
• Any outstanding debts

2. Explore Support Options

Research available programs, grants, and payment plans. Contact your local council, charities, and removal companies to discuss your options.

3. Create a Crowdfunding Campaign

If you need additional support, consider starting a fundraiser on JustGiving. Share your story, set a realistic goal, and reach out to your community for help.

Get Help with Moving Costs Today

Don’t let moving costs hold you back. Whether through government programs, charitable grants, or crowdfunding with JustGiving, there are ways to get the help you need. Start exploring your options today and take the first step towards a fresh start in your new home.

Create Your Moving Costs Fundraiser Now

Remember, you’re not alone in facing financial challenges. With the right support and resources, you can manage your moving costs and reduce financial stress.