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0 percentInterest Free Housing Loans

The Vale of Glamorgan Council in partnership with  Welsh Government is providing interest-free loans to improve poor quality housing across the Vale of Glamorgan.


The Council are offering interest free housing loans. Loans are available to assist owner occupiers with essential repairs, bring long term empty properties into use and assist landlords/developers to convert empty buildings into residential units.


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Paintbrush iconEmpty Property Landlord Loan

Loans are available to assist owners to carry out repairs or improvements to enable the property to be occupied. The loan will be available for owners who wish to sell or rent out the property. Loans can be used for work on residential properties or commercial buildings, which can include splitting a property into flats. Properties must be empty for a minimum of 6 months.


Empty property owners, charities, businesses and property developers can apply for an interest free loan. Applicants can apply for a loan up to £35,000 per unit, with a maximum of £250,000 per applicant. Loans will be repayable over 2 years if the property is sold, or 5 years if the property is let.


Empty Property Landlord Loan - Frequently Asked Questions

Dripping tap iconEmpty Property Owner-Occupier Loan

These loans are available to owners who wish to occupy an empty property. The loan can be used to undertake repairs to enable an owner of an empty property to occupy it on completion of the work.  Work can include replacement of central heating boilers, repairs to electrics, work to remedy damp.


Applicants are able to apply for interest free loans of between £1,000 and £35,000, which will be repayable over a period of up to 5 years.


Empty Property Owner-Occupier Loan - Frequently Asked Questions

Pencil and spanner iconOwner-Occupier Loan (Home Improvement)

These loans are available to assist owners currently occupying the home to undertake essential repairs to make it safe, warm and secure. Work can include replacement of central heating systems, repairs to electrics, repairs to remedy damp, renewal of defective windows and doors.


Applicants are able to apply for interest free loans of between £1,000 and £35,000, which will be repayable over a period of 5-10 years. 


Owner-Occupier Loan - Frequently Asked Questions

VAT Relief on Empty Properties

Bringing empty properties back into use can be costly particularly when extensive renovations are required. However, the Government has introduced a number of tax changes, which could potentially reduce costs. 

Additional information

There will be a loan application fee and you will be required to demonstrate your ability to repay the loan within a set period of time. All loans will be secured on the property and will take into account an existing mortgage. The mortgage and / or the loan cannot exceed 80 per cent of the property’s value. Loans are not available for general improvements or to extend an existing property. 

Welsh Government Warm HomesNest_Final_RGB

Welsh Government Warm Homes, which includes the Nest scheme, looks to support people in Wales living on a lower income who receive a means tested benefit or live with a respiratory, circulatory or mental health condition.


Nest offers a range of free, impartial advice and, if you are eligible, a package of free home energy efficiency improvements such as a new boiler, central heating or insulation. This can lower your energy bills and benefit your health and wellbeing.


If you would like to know more about the Nest scheme and to see if you qualify, call Freephone 0808 808 2244 or visit


Contact us

Should you wish to find out more information about the loan schemes or to receive an application pack please complete an online form or contact:


Eleri Nicholas, Empty Homes and Loans Officer 

Regeneration and Planning

Vale of Glamorgan Council

Dock Offices

Subway Road


CF63 4RT