Maintaining your home

Staying on top of things and getting repairs done early can save you money later on. If you own your home, it will also maximise the value of your property in case you need to sell later.

Some of the areas you should check regularly include:

• central heating – get your boiler serviced every year and bleed radiators when necessary (Uswitch has more information on this)
• gas appliances – get gas appliances, such as gas fires and gas cookers, serviced every year by a Gas Safe registered engineer
• electrics – you should get your wiring checked by a registered electrician every 10 years. If you rent your home, your landlord is responsible for keeping the electrical wiring in proper working order during your whole tenancy
• damp and mould growth – check the cause before treating, because it may be a problem with ventilation and condensation
• plumbing – check for dripping and leaking, because even a minor leak in a water or waste pipe can cause significant damage. A sudden lack of water pressure could also indicate a problem
• guttering – get your gutters cleared once a year, at the beginning of winter
• roof – get your roof inspected in the spring, or if you notice missing tiles or damp patches on your ceiling
• chimneys – your chimney should be swept at least once a year, depending on the type of fuel you use.

To find a reputable trader, visit Trustmark or Buy With Confidence. You can find a registered gas engineer on the Gas Safe Register. For more advice about electrics, go to Electrical Safety First.

It’s also good to think about any changes you might want to make to help you stay independent in the future. For example:

• if you’re getting your home rewired, consider raising your sockets so you won’t have to bend down to reach them
• increase the number of sockets so you don’t have trailing wires
• increase the lighting, especially in hallways and around staircases
• make your home more energy efficient – for example, have individual radiator thermostats so you only heat the rooms you use, and install timers
• consider insulating your roof and loft and draught-proofing windows and doors. If you have cavity walls that have not been insulated, also consider getting these insulated
• if you’re replacing doors and windows, consider using UPVC frames, which are easier to maintain.

If you receive Guarantee Pension Credit or you’re on a low income or receive certain other benefits, you may qualify for a discount on your electricity bill under the Warm Home Discount Scheme. Your energy supplier will have to be part of the scheme. If you qualify, a one-off payment of £140 will be credited to your electricity account, key or meter by the end of March each year.

If you’re having problems managing your energy bills, some energy companies have grants or trusts that can help. You don’t always have to be with that energy company to apply, but contact your own supplier first to find out if they have grants available. Simple Energy Advice can direct you to organisations that can help with energy debts. They can also give personalised advice on how to cut your energy bills through their energy efficiency calculator.

Our Winterwise guide has more information on ways to manage your heating costs and stay warm for less.

Handyperson services carry out small tasks and repairs, such as:

• changing light bulbs
• fitting smoke alarms
• hanging curtains and blinds
• unblocking sinks or toilets
• assessing and fixing potential hazards, such as trailing wires, loose rugs with curled edges, or overloaded sockets.

If you’re finding it difficult to do small jobs around the home, your local council may have a list of approved handyperson services that can help you. Contact the council’s housing department. Your local Age UK or another local charity may offer a handyperson service, but make sure the provider is approved, for example by Trustmark, Buy With Confidence or your local council.

A Home Improvement Agency (HIA) is a not-for-profit organisation that can provide help and advice on home maintenance and repairs, including:

• advice on the scale and cost of work
• energy efficiency measures
• handyperson services
• help applying for grants, including Disabled Facilities Grants in England and Wales or Mandatory Grants in Scotland (our Paying for home maintenance and repairs factsheet has more information about these grants)
• getting estimates and quotes
• overseeing work.

Not all HIAs provide all these services. You will need to contact your local HIA:

• in England, visit Find my HIA
• in Scotland, visit Care and Repair Scotland
• in Wales, visit Care and Repair Cymru.

Most HIAs offer free initial advice, but will probably charge a fee if you decide to go ahead with work with their assistance.

When choosing a tradesperson:

• ask for recommendations and/or use a Trustmark or Buy With Confidence approved tradesperson
• ask for references
• get a written quote – which is a promise to do work at a fixed price - rather than an estimate. Check that the quote includes the costs of materials and labour
• compare at least three quotes from different companies before choosing a tradesperson
• don’t pay the full price of the work upfront but agree a schedule of payments as well as start and completion dates
• check that the tradesperson has public liability insurance
• check if the work needs planning permission – visit the Planning Portal website for England and Wales or mygov.scot/planning-permission for Scotland
• if you’re a leaseholder, check your lease to see if you need permission from the freeholder before carrying out work. You may want to contact The Leasehold Advisory Service if you need more information.

Beware of tradespeople who knock on your door and advise you that you need to have some work done. Always check the credentials of any contractors and don’t employ anyone who puts you under pressure to make a quick decision. Our Scams hub has more advice on how to spot a scam.

If you own your home, you'll need buildings and contents insurance for your home. If you’re a leaseholder, your freeholder will probably arrange and manage the buildings insurance policy. If you rent, your landlord is responsible for the buildings insurance, but you should consider taking out contents cover.

Compare a number of quotes. You could try a free price comparison site such as Uswitch. If you’re buying buildings and contents insurance, it’s often cheaper to get a joint policy. Our webpage Shopping around for insurance has tips for choosing a policy. MoneyHelper has information about what good policies should cover.

You should tell your insurance provider if you have work done on your home. This applies to tenants as well as home owners, especially if there is anything that may affect the security of your home, such as scaffolding. The cost of your policy may also be affected if the building work increases the value of your property.

If you‘re on a low income or receiving certain benefits, you may be eligible for financial help from your local council or the Social Fund, to help with repairs and improvements. This is usually in the form of an interest-free loan. For more information, see our factsheet Extra help with essential costs if you’re on a low income.

Some charities may also be able to provide financial help. For example, Macmillan Cancer Support can provide grants to help with extra costs that living with cancer can bring, such as energy bills and home adaptations. You can search for a charity at Turn2us.

You could consider taking out a personal loan from your bank or building society to help with home improvements or repairs. The interest rate and repayments are usually fixed, making it easier to budget. But you should always get professional financial advice before making a decision. MoneyHelper has an online calculator to help you see how much a loan will cost and how quickly you can pay it off.

If you’ve taken out a loan to pay for repairs or home improvements and you’re receiving Guarantee Pension Credit or certain other benefits, you may be able to get help with the interest payments. Gov.uk has more information.