I’m over 60 and can’t afford housing: what are my options?
Facing housing costs in later life can feel overwhelming. If you’re over 60 in the UK and struggling to pay, you have routes to explore: benefits and top-ups, social housing and sheltered options, downsizing or sharing, and legal protections if you’re homeless....
What Benefits and Income-Based Help Are Available?
For individuals over 60 in the UK struggling with housing costs, several government benefits and income-based support schemes can offer crucial assistance. Pension Credit, for example, is a benefit designed to top up weekly income for people over State Pension age, and it can open doors to other forms of help, such as Housing Benefit. Housing Benefit assists with rent payments, though for most new claims, it has been replaced by Universal Credit. If you are of State Pension age and living in supported or temporary accommodation, or if you are part of a couple where one person is State Pension age, you might still be able to claim Housing Benefit. Understanding your eligibility for these benefits is a vital first step, as they can significantly reduce your financial burden related to housing.
Universal Credit is a broader benefit that can include an amount for housing costs. For those under State Pension age, or in mixed-age couples (where one person is State Pension age and the other is not), Universal Credit is the primary benefit to claim for help with rent. Additionally, if you own your home but struggle with mortgage interest payments, Support for Mortgage Interest (SMI) might be an option, provided you receive certain qualifying benefits. Local councils also operate discretionary housing payments (DHPs) that can provide extra financial help if your Housing Benefit or Universal Credit housing element does not cover your full rent.
Exploring Sheltered Living and Retirement Housing Options
Sheltered housing, often managed by local councils or housing associations, provides independent living with a degree of support and community. These properties are typically self-contained flats or bungalows, specifically designed for older people, often with a scheme manager or alarm system for emergencies. Retirement living developments offer similar independent living environments, sometimes with more extensive on-site facilities like communal lounges, gardens, and activities, promoting social interaction and reducing isolation.
Extra care housing, also known as assisted living, goes a step further by offering personal care and support services on-site, tailored to individual needs. This can include help with washing, dressing, or medication, allowing residents to maintain independence while receiving necessary assistance. These options aim to provide a secure and supportive environment, often with accessible features, making them a suitable choice for those seeking a balance between independence and support as they age. The availability and specific services of these options can vary significantly across different local areas.
Considering Downsizing and Creative Housing Solutions
Downsizing, moving to a smaller and potentially more affordable property, can be a practical solution for many. This could mean moving from a house to a flat, or to an area with lower property prices or rental costs. The financial benefits can include reduced rent or mortgage payments, lower utility bills, and potentially releasing equity from a larger property if you own it. It’s important to consider the emotional aspects of moving and to plan carefully to ensure the new living situation meets your needs and preferences.
Beyond traditional downsizing, creative housing solutions can also be explored. Shared living, where individuals share a home to split costs, can be an option, although finding suitable housemates requires careful consideration. House-sitting, where you live in someone else’s home while they are away in exchange for looking after it, can offer temporary free accommodation. Exploring these less conventional routes might open up possibilities that were not initially considered, potentially offering a way to manage housing costs more effectively.
Addressing Homelessness Risk and Legal Protections
If you are over 60 and at risk of homelessness, it is crucial to seek help from your local council’s housing department immediately. Under UK law, local authorities have duties to assist eligible individuals who are homeless or threatened with homelessness, especially if they are considered vulnerable. Being over 60, particularly with health conditions, often means you are considered to be in priority need, entitling you to more robust support.
Local councils can offer advice, help you find emergency accommodation, and work with you to secure a long-term housing solution. There are also legal protections for tenants, such as notice periods landlords must adhere to before evicting a tenant. Understanding your rights as a tenant and knowing where to turn for legal advice, such as from Citizens Advice or housing charities, can be instrumental in preventing homelessness and protecting your housing security.
| Housing/Service Type | Provider/Source | Cost/Criteria Estimation |
|---|---|---|
| Universal Credit | DWP | Income-based support for housing costs |
| Housing Benefit | Local Council | Income-based support for rent (specific criteria apply for new claims for those of State Pension age) |
| Pension Credit | DWP | Tops up weekly income for State Pension age individuals; unlocks other benefits |
| Sheltered Housing | Housing Associations, Local Councils | Typically social rent, often lower than private market; service charges may apply |
| Retirement Living | Private Developers, Housing Associations | Purchase price or private rent; service charges common |
| Extra Care Housing | Housing Associations, Local Councils, Private Providers | Rental or purchase options; care costs separate; may be eligible for Housing Benefit/Universal Credit |
Prices, rates, or cost estimates mentioned in this article are based on the latest available information but may change over time. Independent research is advised before making financial decisions.
Navigating Housing Affordability: A Way Forward
Navigating the complexities of housing affordability when over 60 requires a comprehensive approach, combining an understanding of available benefits with an exploration of various housing types. The key is to be proactive in seeking information and support. Many organisations, including Age UK, Citizens Advice, and various housing charities, offer free and impartial advice tailored to individual circumstances. They can help you understand your rights, assess your eligibility for financial aid, and guide you through the process of finding suitable housing.
Considering all the options, from income-based support to different living arrangements, can empower you to make informed decisions. It’s not uncommon for individuals to utilise a combination of these strategies to achieve stable and affordable housing. For example, someone might move into sheltered accommodation and also claim Pension Credit and Housing Benefit to cover the costs. The journey towards secure housing is unique for everyone, but with the right information and support, a sustainable way forward can be found.
Conclusion
Finding affordable housing when over 60 in the UK, while challenging, is achievable through a combination of understanding available benefits, exploring diverse housing options, and seeking professional advice. From government income support to specialized retirement living and creative housing solutions, there are various pathways to consider. Proactive engagement with local authorities and advisory services can significantly help in securing a stable and suitable living situation, ensuring that housing remains accessible and manageable in later life.
