Information and advice to help those looking for good quality, affordable housing or those suffering from homelessness.
It can be a quick way of securing accommodation. There are private rented homes available in Wolverhampton and they can be found across the City. Search for properties available on websites such as On The Market, Zoopla, and Rightmove.
Private renting will require some upfront payments. These could include a deposit, admin fee, rent in advance, and possibly a guarantor.
Housing Associations provide a very similar tenancies to Wolverhampton City Council, in terms of both security of tenure and affordable rents. This can be an option for people on a low income. Housing associations do not make a profit. They are often called Registered Social Landlords (RSLs) or Registered Providers (RPs). View the Registered providers in Wolverhampton - Apply for housing with other registered providers.
Homes in the City advertises available homes for letting. This includes homes owned by City of Wolverhampton Council and registered housing associations. Homes are allocated in line with the allocations policy, but you will need to complete an online application form first.
The government’s mortgage guarantee scheme was launched in 2021 after the pandemic meant lenders retracted all 95% mortgages. Now the government offers lenders a guarantee to encourage them to lend again. Once you have found a property (which must cost less than £600,000) you want to buy, to access the mortgage guarantee scheme, you need to find a mortgage from one of the participating lenders. A good mortgage broker can walk you through your options and find the best deal for you. The scheme is due to end December 2023 - The mortgage guarantee scheme
Rent to Buy allows you to rent a home at a minimum of 20% below the market rent for at least 5 years. This allows you to save for a deposit to put towards your first home. After the 5 years, the landlord can agree to extend your rental agreement, and you can continue on an Intermediate Rent basis, they can sell giving you first refusal, or the landlord can keep and convert the home into rented housing. If your landlord agrees, you can continue to rent the home but not using Rent to Buy - Rent to Buy: pay lower rent to save for a deposit: Overview.
Shared ownership schemes allow you to secure a shared ownership mortgage to buy a stake (between 10% and 75%) in a property, while also paying rent on the remaining share to the housing association or private developer that owns the building - Shared ownership homes: buying, improving and selling: How shared ownership works.
The government’s First Homes scheme works by offering newly built homes to local first time buyers, including keyworkers, with a discount of at least 30% compared to the market value of equivalent properties - First Homes scheme: discounts for first-time buyers.
A Lifetime ISA, or LISA, is a type of account designed to encourage people to save for their first home or their retirement. You can save up to £4,000 a year and the government will top this up with a 25% bonus - The Lifetime ISA – Save for your first home or for later life.
The Council's Homeless Services Team can provide support and assistance with housing issues.
If you are homeless or are looking for support on behalf of a homeless person, you should contact the Homeless Service.
These organisations can help with emergency accommodation.
The Haven Wolverhampton
The Haven Wolverhampton provides practical and emotional support to women and children affected by domestic violence and homelessness.
The MOD Army provides subsidised accommodation for its servicemen and women. Please refer to this link for further information
The Navy Families Federation provides details about dental and medical provision for UK based service families.
The Soldiers, Sailors, Airmen and Families Association (SSAFA) offers advice and assistance to anyone eligible for their help, whether they are serving or ex-service, or a family member of someone with a service connection. The SSAFA also provide housing and residential home facilities.
Cobseo, as the Confederation of Service Charities, provides a single point of contact for interaction with Government, including local government and the Devolved Administrations; with the Royal Household; with the Private Sector; and, of course, with other members of the Armed Forces Community.