Money and benefits

Available benefits

Depending on your circumstances you could be allowed to claim some benefits to help you pay your rent and cover other costs. It’s important to make sure you get all of the help that is available to you.


There are a range of free online tools to help you work out which benefits you are entitled to. 


Check the Government’s Benefits Calculators.

Universal Credit is a payment to help with your living costs. It replaces:

  • Housing Benefit
  • Child Tax Credit
  • Income Support
  • Income-based Jobseeker’s Allowance
  • Income-based Employment and Support Allowance 
  • Working Tax Credit

Instead of receiving any of these benefits individually, Universal Credit means you are paid one amount to cover them. 


Universal Credit is being introduced in stages across the UK. You don’t need to do anything until you hear from the Department for Work and Pensions.


If you are on Housing Benefit when you switch to Universal Credit this will come to you instead of directly to us and that means you are responsible for paying your rent on time. 


You can use the Government’s Universal Credit Personal Planner tool to find out what you need to do to prepare for Universal Credit.



Visit the Government's website for more

Visit the Money Advice Service website for free, impartial information about Universal Credit

Housing Benefit can help you pay your rent if you are not in work, on low income or claiming benefits. It is being replaced by Universal Credit. 


You can still make a new Housing Benefit claim if you are in certain circumstances – for example if you are living in temporary accommodation, you have reached state pension age or live in sheltered housing. 


Government guide to housing benefit

You could qualify for free childcare depending on your circumstances. 


Visit the Government’s Free Childcare website to find out more.


Childcare choices

Accessing benefits

Here are some steps you can take to make sure you are getting all of the benefits you are entitled to, that you’re prepared for changes to benefits and you avoid getting into debt.


Do a benefits check
Make sure you are getting what you are entitled to. It’s free and easy.

Benefits calculator 


Affordability calculator for new customers


Focus on monthly budgeting
This is what Universal Credit is built around so organising your budget around months is really important. 

Money advice service


Get a bank account
You have to have one to receive Universal Credit and it is a really important way of receiving wages and paying your bills. For advice on bank accounts, including how to set one up, visit the Money Advice Service’s dedicated page


Set up a Direct Debit
This is a great way to make sure your bills are paid on time. We can set this up for you in minutes. Just call us on 0300 790 6530


Pay off any debts
Even small debts can quickly get out of hand


Get online
Having access to the internet is really important and being online makes managing your finances and applying for benefits much easier


Get into work
Universal Credit is built around working, and being in work will leave you with more money 


Get support
We are here to help. We can help you with applications, debt advice and much more. If you are worried about paying your rent or any other aspect of your finances just get in touch.

Struggling with benefits?

If you’re struggling with benefits, we can help.


If for any reason you are struggling to access benefits or having trouble paying your rent contact us straight away.


Our money advisers can give you advice to help to get you back on track and even help you with benefit applications.

Contact our Money Advice Officers for benefits advice


Call us on:

0300 790 6530


Or email:



Please include your full address when emailing.


Managing debt

If you need advice managing debt or support with budgeting we are here to help.


If you are struggling to pay your rent it is really important that you contact us as soon as possible so that we can help.


You can read our Income Collection Policy here.


You can also access free financial support through the Money Advice Service.


Contact us

Please talk to us straight away if you think you can’t pay your rent.

Confidential advice and support

Our Tenant Support and Wellbeing Service offers free, confidential advice and support, including financial advice. This service is provided independently – we will not know that you have accessed it or what you have used it for.


Confidential advice and support

Common questions

Customer services