Housing Benefit (HB) is a regular payment made by councils to help people pay their rent and, in some cases, service charges. It does not help with mortgage costs. You can apply if you rent your home from a council or housing association. If you are renting from a private landlord, this is called Local Housing Allowance. You can also claim Housing Benefit on the rent element if you live in a shared ownership property.
To be eligible for Housing Benefit, you must be the person liable for paying the rent on your home. You must be on a low income or claiming other state benefits. Your savings must be below £16,000. You must have the right to live in the UK.
Housing Benefit depends on your circumstances, including the size of your home and your income, but will never exceed your eligible rent. It is made up of personal allowances and premiums.
Your personal allowance depends on your age, whether you are single or have a partner or have children.
You can get the following premiums if you meet the conditions of the Housing Benefit premium.
Enhanced disability premium
Disabled child premium
Severe disability premium
For Housing Benefit and Local Housing Allowance you are allowed a bedroom for:
every adult couple
every adult aged 16 or over
any 2 children under age 10, unless it is inappropriate for them to share a room because of disability
any 2 children of the same sex aged 10 to 15, unless it is inappropriate for them to share a room because of disability
any other child
a non-resident carer if you or your partner is a disabled person who needs overnight care
If you have more bedrooms than you are allowed, you may have to pay the difference.
If you have other adults living with you who are not your partner, called non-dependants, your Housing Benefit may be reduced as they will be expected to contribute to your rent. Housing Benefit is paid directly to your council or housing association.
Local Housing Allowance (LHA)
Local Housing Allowance is Housing Benefit if you are in private rented accommodation. The amount you get depends on where you live, the number of bedrooms you need, whether you pass the low income test and whether you have non-dependents living with you.
If your Local Housing Allowance is less than your rent, you have to make up the shortfall or seek cheaper accommodation. You can check the maximum rates for your area. Local Housing Allowance will usually be paid to you, not to your landlord.