New Service – Equity Release Pilot Programme

Argyll and Bute Care and Repair will be piloting the Scottish Governments new HEEPS: Equity Loan programme.  This commences on 4th January 2017.

Homeowners and private sector landlords in the Argyll and Bute council area can now take advantage of this Scottish Government equity loan, which is supported by the Energy Saving Trust, to help fund energy efficiency improvements and/or associated repairs to their property.

An equity loan allows you to borrow against the value of your home (if there is enough equity available in the property). These loans do not require monthly repayments and repayment of the loan will only take place when the property is sold A cap is in place (currently 2.5% per annum) to ensure applicants who see a sharp rise in their property value will not be unfairly penalised. The maximum loan value is £40,000 but cannot be more than 50% of the property’s estimated market value.  The homeowner must also retain a minimum of 30% equity in the property. 

The scheme is only available to homeowners or private sector landlords with properties in council tax band A – C.  However, if an owner or tenant are in receipt of certain qualifying benefits they may also be eligible, regardless of what council tax band the property is in.  These include: 

  • Guarantee element of the Pension Credit;
  • Attendance Allowance;
  • Universal Credit or any of the benefits due to be replaced by Universal Credit (Income Based JSA, Child Tax Credit, Working Tax Credit, Employment and Support Allowance, Income Support, Housing Benefit);
  • Council Tax Reduction (excluding 25% discount for single occupancy);
  • Carer’s Allowance;
  • Disability Living Allowance (DLA) or Personal Independence Payment (PIP) Armed Forces Independence Payment;
  • War Disablement Pension;
  • Industrial Injuries Disablement Benefit.

To Find out more, or to request an information pack and application form please contact:

Or call our main office on 01631 567780 and ask for Christine Burns who will take your details for George to call you back.

Or, call Home Energy Scotland direct on 0808 808 2282.


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Due to the current coronavirus situation we are having to change some of the ways we currently work.

 At present, until further notice, our Housing Support Officers will continue to support Occupational Therapy, Telecare and Social Work to install critical and urgent minor aids and adaptations, technology enabled care equipment and safety and security items in vulnerable clients homes.

 Our Care And Repair Officers, dealing with grant approvals work for major adaptations, will be working from home and will continue to assist and support clients by phone and online, but will not be carrying out any new home visits until further notice.

 Our Oban office staff will be working remotely until further notice but can still be contacted on 01631 567780 or on at any time 09.00 till 17.00, Mon to Fri.

 Care and Repair staff will be trying to support our health and social care partners and community efforts in any way we can throughout this developing situation. Please feel free to contact us to discuss anything you feel we may be able to assist you with.

In the meantime, stay safe and well,

 Steven Clarkson,

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