Universal Credit Helpline: How to Get Help with Moving Costs

Moving to a new home is one of life’s most stressful events, even in the best of circumstances. But for those relying on social support systems like Universal Credit in the UK, the financial burden of moving can feel overwhelming. With rising rent, soaring energy bills, and a cost-of-living crisis affecting millions, finding help with relocation costs isn’t just practical—it’s essential. Whether you’re fleeing a difficult situation, downsizing due to financial pressure, or moving for a new job, understanding how to leverage the Universal Credit system can make a critical difference.

This guide will walk you through the steps to get assistance with moving costs, who qualifies, what support is available, and how to navigate the often complex process of applying for help.

Why Moving Costs Are a Critical Issue Today

We’re living in a time of unprecedented economic pressure. Inflation, stagnant wages, and the aftermath of the pandemic have left many households struggling to make ends meet. For individuals and families receiving Universal Credit, a sudden move—whether due to eviction, domestic violence, or a change in employment—can derail their financial stability.

The Hidden Costs of Relocation

Most people think of moving costs in terms of hiring a van or buying boxes. But the reality is much more complex. There are deposits for new rentals, advance rent payments, utility setup fees, and often the cost of storing or replacing essential items. For those already living paycheck to paycheck, these expenses are simply unaffordable.

Universal Credit as a Lifeline

Universal Credit was designed to simplify the benefits system and provide flexible support to those in need. While it doesn’t have a specific “moving grant,” several components and additional support mechanisms can be accessed to help cover relocation expenses. The key is knowing what’s available and how to ask for it.

What Kind of Moving Support Can You Get Through Universal Credit?

The system isn’t always straightforward, but there are several ways you might get financial help:

1. Budgeting Advance

A Budgeting Advance is an interest-free loan designed to help cover essential one-time costs, including moving expenses. You must have been receiving Universal Credit for six months or more (unless the move is due to an emergency) and be able to repay the loan through deductions from your future monthly payments.

Eligible costs include: - Rent deposits or advance payments - Hiring a moving van or van - Essential furniture or appliances for your new home - Utility connection fees

The amount you can borrow depends on your circumstances: - Single claimant: up to £348 - Couple: up to £464 - Claimant with children: up to £812

2. Discretionary Housing Payment (DHP)

If your move is housing-related and you need help with a deposit or rent in advance, your local council may offer a Discretionary Housing Payment. This is a grant (not a loan) that does not need to be repaid. While not part of Universal Credit directly, your Universal Credit status can help you qualify.

3. Advance Payment

If you’ve just applied for Universal Credit and are waiting for your first payment, you can apply for an Advance Payment. This is also a loan, but it can be used to cover immediate needs, including moving costs if you’re in a crisis situation.

4. Flexible Support Fund (FSF)

For those moving for work-related reasons, the Flexible Support Fund may provide grants for expenses like transportation or rental deposits. This is administered through Jobcentre Plus and is aimed at helping people start or return to employment.

How to Apply for Help: A Step-by-Step Guide

Applying for financial support can be intimidating, but being prepared can make the process smoother.

Step 1: Contact the Universal Credit Helpline

The first and most important step is to call the Universal Credit helpline. The number is 0800 328 5644 (or textphone 0800 328 1344). Explain your situation clearly. Let them know you need help with moving costs and ask which options might be available to you.

Step 2: Gather Documentation

Be ready to provide: - Proof of identity - Your Universal Credit journal or account details - Details about your current and new accommodation - Quotes or estimates for moving costs (e.g., van rental, deposit amount) - Evidence of why you’re moving (e.g., eviction notice, job offer)

Step 3: Speak to Your Work Coach

If you have a work coach at Jobcentre Plus, schedule an appointment to discuss your situation. They can often expedite requests or guide you toward additional resources like the Flexible Support Fund.

Step 4: Apply for Council Support

Reach out to your local council to inquire about Discretionary Housing Payments. You can usually apply online through the council website or by phone.

Step 5: Follow Up

The system can be slow. Don’t hesitate to follow up on your application if you haven’t heard back within a few weeks.

Tips for a Successful Application

• Be honest and detailed about your financial situation and why you need to move.
• Provide as much evidence as possible—photos, contracts, emails, etc.
• If you’re fleeing domestic violence or an unsafe living situation, make sure to mention this—it can prioritize your case.
• Keep a record of all communication, including who you spoke to and when.

Other Resources Beyond Universal Credit

While Universal Credit is a primary resource, other organizations can help:

Charities and Non-Profits

Organizations like Shelter, Turn2Us, and Citizens Advice offer grants, advice, and sometimes direct financial aid for people in housing crises.

Local Community Groups

Churches, mosques, and community centers sometimes have funds or volunteer networks to help with moving or donations of furniture and essentials.

Real-Life Scenarios: How Others Have Succeeded

Case Study 1: Maria’s Story

Maria, a single mother of two, was forced to move when her landlord sold her apartment. She applied for a Budgeting Advance through Universal Credit and received £600 to cover her deposit and van rental. She repaid the loan through small deductions from her monthly payments over 12 months.

Case Study 2: Ahmed’s Fresh Start

Ahmed moved from Birmingham to Manchester for a new job. Through Jobcentre Plus, he qualified for the Flexible Support Fund, which covered his train tickets to Manchester and contributed to his first month’s rent.

What to Do If Your Application Is Denied

Don’t give up. You have the right to request a mandatory reconsideration of the decision. Ask for feedback, gather more evidence, and try again. Charities like Citizens Advice can help you with the appeals process.

The journey to securing help with moving costs isn’t always easy, but it’s possible. With persistence, preparation, and the right support, you can navigate the system and find the assistance you need to start anew.