As living costs continue to soar across the UK, households not receiving traditional benefits are finally getting a break.
Thanks to an extension of the Household Support Fund (HSF), eligible families can now access up to £600 in cost of living support—even if they aren’t claiming Universal Credit or other DWP-administered benefits.
The updated scheme, which runs from April 2025 to March 2026, is designed to help people in urgent financial need pay for essential items, such as food, clothing, utilities, and children’s school needs.
What Is the Household Support Fund (HSF)?
The Household Support Fund is a government-backed emergency relief scheme administered by local councils across the UK. It is specifically aimed at helping:
- Low-income households
- People not receiving benefits
- Families struggling with energy bills or food costs
The latest round of the fund was confirmed for April 2025 to 31 March 2026, with funds distributed through local authorities based on local needs.
How Much Can You Get?
The amount awarded varies by location, household size, and circumstances.
| Area | Maximum Support | Notes |
|---|---|---|
| Richmond | £600 | For food, utilities, clothing, and essential costs |
| Camden | £500 | Based on urgent financial need and local eligibility criteria |
| Other boroughs | Varies | Check with your local council for application details and limits |
You do not need to be on DWP benefits to qualify.
Who Is Eligible for the £600 Cost of Living Payment?
Eligibility depends on local council rules, but general criteria include:
- Aged 18 or over
- Living independently (not in institutional care or dependent housing)
- Resident in the local borough (e.g., Richmond or Camden) for at least six weeks
- Bank statements showing financial hardship or crisis
- Not receiving Universal Credit, ESA, or other DWP benefits (in most cases)
Examples of What the Fund Covers
You can use the funds for a variety of urgent expenses:
| Eligible Expenses | Details |
|---|---|
| Food and groceries | Emergency food costs for individuals or families |
| Energy and heating bills | Electricity, gas, or water bills in arrears or due soon |
| Clothing and shoes | Seasonal clothing, especially for children |
| Household essentials | Items like bedding, hygiene products, or kitchen goods |
| Childcare and education | Uniforms, transport, and school supplies |
Children on free school meals may also receive holiday food vouchers funded through the HSF.
How to Apply for the Cost of Living Payment
The application process is managed by your local council. Here’s a step-by-step breakdown:
- Visit your local council website (e.g., Richmond or Camden)
- Go to the Household Support Fund or Welfare Assistance page
- Fill out the online application form
- Upload bank statements, proof of residency, and any supporting documents
- Await council review and decision (usually within 10 working days)
Most councils offer vouchers or direct cash payments, depending on the nature of the support needed.
Important Deadlines and Updates
- Application deadline: 31 March 2026
- Vouchers for school-aged children (if eligible for free school meals) will continue during holidays
- Councils may close applications early if funds run out—apply as soon as possible
Tips to Strengthen Your Application
To improve your chances of approval:
- Clearly describe your financial hardship
- Submit recent bank statements (last 30 days)
- Show proof of employment status if unemployed or recently furloughed
- If applying on behalf of a family, include proof of dependents
Local charities like Citizens Advice or Richmond AID may assist with applications if needed.
The £600 cost of living boost is a lifeline for struggling households not covered by traditional benefit schemes. With food prices, energy bills, and inflation continuing to rise, the Household Support Fund provides essential help to those who might otherwise fall through the cracks.
If you’re living in the UK, facing financial hardship, and not on DWP benefits, now is the time to check your local council’s website and apply for support before funds run out.
FAQs
Can I apply for the HSF if I’m already on Universal Credit?
In most cases, this support is targeted at non-benefit recipients, but some local councils allow limited support if you’re on low-rate benefits or experiencing a financial emergency.
Is the £600 payment a loan or a grant?
The Household Support Fund provides non-repayable grants—you do not need to pay the money back.
Can I apply more than once?
Some councils allow multiple applications if your financial circumstances change. Check with your local authority for reapplication rules.