RICHMOND is joining 30 other boroughs to launch a scheme to help the elderly and the disabled stay in their own homes through a series of affordable loans for home improvements.

The Houseproud scheme, launched this month, also gives users, including those who can afford their own improvements, access to reliable builders and technical advisors so they can avoid cowboys.

Homeowners over 60 or households which include a disabled person of any age can access loans that are designed to be risk-free.

The loans are arranged through the Home Improvement Trust and are secured on the equity of property but no-one will lose their home as there is a no repossession guarantee.

Cllr Jean Matthews, cabinet member for housing on Richmond Council, said: "I am delighted that Richmond is to be one of the first councils to adopt this new scheme.

"Everyone, especially the old and disabled, should be able to live in a decent home.

"This programme will allow these sometimes vulnerable people to bring their homes up to acceptable standards of comfort and safety.

"Very often old or vulnerable people can fall prey to cowboy builders when they need home improvements. There is also the issue of affordability. This scheme will take the worry out of home improvement for many of our residents."

Thirty councils in the South East have launched the scheme, which is supported by the Greater London Authority.

Those over 75 can apply for a capital release loan which doesn't even involve regular repayments.

All clients receive free independent financial advice before they take out any loan.

Deputy Leader Cllr Geoffrey Samuel welcomes the idea if it means the elderly can stay in their own homes for as long as they want to.

He said: "My own mother lived until she was 98, she had cancer for 20 years and was blind and immobile but by a number of modest improvements to her home she was able to stay living there.

"Local councils, irrespective of party do this now because it's cheaper than a home and for the individual concerned it is often what they want, to stay in their own home."

A free Houseproud information pack and video are available by ringing 0800 783 7569.