Taking on the role of loan provider

1
Taking on the role of loan provider

• Maggie Walker,
• Chief Exec,
• Manchester Care Repair

2
HIA option

• Using an HIA for loan delivery
• Manchester Care Repair
• Running the HELP loans

3
HIAs

• the hub around which older people will exercise
  choice about their home environment
• CLG, DH, DWP Lifetime Homes, Lifetime
  Neighbourhoods A national housing strategy for
  an ageing society on CLG website

4
HIAs

• Support for choice
• Expertise in home repairs
• and centred on the clients needs
• Leads to knowledge of financing repairs via
  loans from clients point of view

5
Home Repairs Assistance

• Regulatory Reform Order (RRO) 2002-3
• Local Authorities develop own policies and decide
  criteria and amounts of assistance
• So increasingly
• Making use of clients own funds

6
MCR

• A national leader
• Independent organisation with 17 year history
• Serves 2 boroughs
• Funds from Local Authority various pots
• Other contracts eg GM Fire Rescue
• Charitable Trusts eg BIG Lottery
• Quality- assured
• Good governance

7
MCR Range of work

• Manchester
• falls prevention and info for home repairs and
  independent living
• home repairs support incl welfare rights and
  loans and mental health and learning disabilities
• independent living service access to services
• handyperson includes home maintenance and
  energy efficiency
• special projects
• Trafford
• home repairs support incl welfare rights
• DFGs stair-lifts
• Minor adaptations
• handyperson
• special projects safe and warm homes

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Home Energy Loan Plan

• Product eligibility, amounts - MCC
• Initial loan fund and revenue funds - MCC
• Funds held and loans issued - MCR
• Repayments collected - MCR
• Defaulters chased - MCR
• Liability re works - MCR
• Compliance eg Consumer Credit Act - MCR
• Ultimate control - MCC

9
Partnership

• Joint steering group
• Commitment from senior people
• Problem-solving, practical, listening approach
• Linkages to other work
• Wider assistance offered to clients
• Revenue funding and development worker

10
Contacts

• mwalker_at_careandrepair-manchester.org.uk
• Tel [phone]
• Other HIAs www.foundations.uk.com