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Check if you can get Housing Benefit

This advice applies to Wales

You might be able to get Housing Benefit to help pay your rent if you’re on a low income or you claim benefits. Housing Benefit is paid by your local council.

If you own your home, check if you can get help to pay your mortgage interest instead.

Most people can’t make a new claim for Housing Benefit.

You can only make a new claim for Housing Benefit if one of the following applies:

  • you or your partner have been getting Pension Credit since before 15 May 2019
  • you live in temporary accommodation
  • your landlord’s a county council, charity or housing association and they give you care or support – for example if you live in sheltered housing

If you can’t make a new claim for Housing Benefit, you might be able to apply for Universal Credit instead – check if you can claim Universal Credit.

If you got a severe disability premium (SDP)

You can claim Universal Credit even if you were getting, or recently stopped getting, a benefit with a severe disability premium (SDP).

You might get an extra amount in your Universal Credit - this is called the ‘transitional element’. 

You’ll get the extra amount if you were getting a benefit with an SDP, as long as you weren’t just getting it with Housing Benefit.

Before 27 January 2021, you couldn’t claim Universal Credit if you were getting, or recently stopped getting, a benefit with an SDP.

If you applied for Universal Credit before 27 January 2021, talk to an adviser to check what you’re entitled to.

If you’ve got a partner and only one of you has reached State Pension age

If you’re already getting Housing Benefit, you’ll keep getting it unless your circumstances change.

The older partner can still make a new claim for Housing Benefit if both of the following apply:

  • they reached State Pension age before 15 May 2019
  • they’ve been claiming Pension Credit since before 15 May 2019

Check who can get Housing Benefit

To claim Housing Benefit you usually have to:

  • have a low income or be claiming other benefits
  • be at least 16 years old – if you’ve been in care you’ll need to be at least 18
  • either have less than £16,000 in savings or be getting the guarantee part of Pension Credit

You also need to live mainly in the UK. If you’ve lived abroad recently or are thinking of moving out of the UK, check if you’re habitually resident.

If you live with your partner, only one of you needs to claim Housing Benefit – it doesn’t usually matter who makes the claim.

You’ll need to put your and your partner’s details on the form. Your local council will look at both your incomes to decide how much Housing Benefit you’ll get.

There are other circumstances that might affect whether or not you can get Housing Benefit.

If you’re not a UK citizen

If you're from the EU, Norway, Switzerland, Iceland or Liechtenstein

To apply for Housing Benefit you need to show:

  • you have settled status or a right to claim benefits in the UK – this is called a ‘right to reside’
  • the UK, Ireland, Channel Islands or Isle of Man is your main home and you plan to stay – this is known as being ‘habitually resident’

Your right to reside depends on things like your work, family and personal situation. You can check if you have a right to reside.

You can only claim Housing Benefit if you have:

  • British citizenship and can prove you are ‘habitually resident’

  • pre-settled status from the EU Settlement Scheme and another right to reside

  • indefinite leave to remain or settled status from the EU Settlement Scheme

If none of these apply to you, you might be able to make a late application to the EU Settlement Scheme. You’ll need to have a good reason for missing the deadline of 30 June 2021. Find out more about claiming benefits if you’re from the EU.

Exemptions from the right to reside and habitual residence test

Your client might be exempt - for example, if they were the victim of trafficking. 

You can check if your client is exempt from the right to reside and habitual residence test.

Find out more about staying in the UK if you're from the EU.

If you’re not from the EU, Norway, Switzerland, Iceland or Liechtenstein

You can apply for Housing Benefit as long as you’re not subject to immigration control.

You’ll also need to meet or be exempt from the ‘habitual residence test’.

If you’re an asylum seeker

You can claim Housing Benefit if your asylum application has succeeded.

You can’t claim Housing Benefit if you’re waiting for a decision on an asylum application. You might be eligible for asylum support instead.

If you rent from someone you know

You can’t get Housing Benefit if you or your partner pay rent to:

  • a parent of a child who lives with you
  • an ex-partner, for the home you used to live in together
  • a close family member who lives with you

You might be able to get Housing Benefit if you pay rent to:

  • a close family member who doesn't live with you
  • a friend or more distant family member like a grandparent – even if you live in the same home
  • someone who used to let you live in the property rent free

To get Housing Benefit, you’ll need to show the council evidence it’s a ‘commercial’ rental agreement – like one between a housing association and a tenant. For example, they might ask to see your contract or proof that you’re paying rent. They might also ask for other evidence, like a deposit you paid when you moved in or a gas safety certificate from your landlord.

Your local council might decide you’re not eligible if they think you’re only paying rent to get Housing Benefit – this is called ‘taking advantage of Housing Benefit’. It might be taking advantage if for example you’ve been living with a friend and have only just started paying them rent.

If you’re a student

If you’re studying part-time, you can usually get Housing Benefit. If you live in university-owned housing or halls of residence, the rules are complicated – you can get help from your nearest Citizens Advice.

If you’re studying full time, you can only get Housing Benefit in certain situations.

If you’re not in higher education (like a degree course or teacher training)

You can claim Housing Benefit if you’re under 22 and your course started before you turned 21.

If you get benefits

You can get Housing Benefit if you get:

  • Income Support
  • income-related Employment and Support Allowance (ESA)
  • income-based Jobseeker’s Allowance (JSA)
  • Universal Credit, unless your Universal Credit includes an amount for housing costs
  • a disability benefit like Personal Independence Payment or Attendance Allowance

If you've got children

You can get Housing Benefit if:

  • you’re a single parent
  • you’re a single foster carer and have a child placed with you
  • you and your partner are both full-time students and you have children

If you’re disabled

You can get Housing Benefit if:

  • the council decides you have ‘limited capability for work’ and have had it for 28 weeks – if you had an assessment for ESA or Universal Credit they’ll use the same results
  • you’re deaf and get a Disabled Students’ Allowance
  • you’re registered as severely sight impaired or blind

If you or your partner have reached State Pension age

You can get Housing Benefit – check your State Pension age on GOV.UK.

If you took time off your course because you were ill or caring for someone

You can usually get Housing Benefit once you’re no longer ill or caring for someone, as long as you’re waiting to go back to your course. You can’t get Housing Benefit if you’re living in university-owned accommodation or halls of residence.

If you're living with a partner who isn't a student

If your partner claims Housing Benefit, they can include you in their claim.

If you pay rent as part of a shared ownership scheme

You can get Housing Benefit for the rent you pay as part of a shared ownership scheme. You’ll need to ask for a written rental agreement with the organisation running the scheme, if you don’t already have one.

If you have a mortgage for the rest of the property, you might be able to get a government loan to help to pay the mortgage interest. The government loan is called ‘support for mortgage interest’ (SMI).

To get SMI, you’ll also need to get:

  • Income Support
  • income-based Jobseeker’s Allowance (JSA)
  • income-related Employment Support Allowance (ESA)
  • Pension Credit

If you already get one of these benefits, find out if you can get SMI.

If you don’t get one of these benefits, use the Turn2us benefits checker to find out what benefits you could get.

If you or your partner used to own the home you’re renting

You can get Housing Benefit if you sold your home over 5 years ago.

If you sold your home in the last 5 years, you can still get Housing Benefit if you had to sell it so you could stay living there – for example if the mortgage lender wanted to repossess your home.

If you’re a Crown tenant, have a tenancy longer than 21 years or a co-ownership agreement

You can’t usually get Housing Benefit, but you might be able to get help with your rent from these benefits:

  • Income Support
  • income-based Jobseeker’s Allowance (JSA)
  • income-related Employment Support Allowance (ESA)
  • Pension Credit

Use the Turn2us benefits checker to find out what benefits you could get.

If you rent from a care home, company, trust or religious order

You can’t get Housing Benefit if:

  • it’s to pay rent to a care home
  • you or your partner are renting your home from your employer as part of your job – for example if you work for a hotel and live on site
  • you’re part of a religious order that pays your living costs

You might be able to get Housing Benefit if you pay rent to a company you, your partner or a close relative who lives with you works for – including as a director.

To get Housing Benefit, you’ll need to show the council evidence it’s a ‘commercial’ rental agreement – like one between a housing association and a tenant. For example, they might ask to see your contract or proof that you’re paying rent. They might also ask for other evidence, like a deposit you paid when you moved in or a gas safety certificate from your landlord.

Your local council might decide you’re not eligible if they think you’re only paying rent to get Housing Benefit – this is called ‘taking advantage of Housing Benefit’. It might be taking advantage if for example, if you’ve been living in your home for some time and your company’s only just started charging you rent.

If your landlord’s a trust, the rules are complicated – you can get help from your nearest Citizens Advice.

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