1. Universal Credit Start-Up Grant
For individuals moving from benefits into self-employment, the Universal Credit Start-Up Grant offers a one-time payment to help cover initial business expenses. This grant is ideal for those launching microbusinesses and needing upfront capital for materials, marketing, or tools.
2. Education Maintenance Allowance (EMA) (Northern Ireland)
EMA provides financial support to 16–19-year-olds from low-income households who want to continue their education. Eligible students receive weekly payments during term time, helping cover the cost of transport, books, and school supplies.
3. Disabled Facilities Grant
If you have a disability and need to make changes to your home, the Disabled Facilities Grant can help cover the costs. This can include installing ramps, widening doorways, or adapting bathrooms. Grants are means-tested and available through your local council.
4. Warm Home Discount Scheme
This scheme offers a one-off discount on electricity bills during winter for individuals on low income or certain benefits. It’s not a cash payment but a direct reduction on your energy costs, helping reduce the financial burden during colder months.
5. Help to Save Scheme
Although technically not a grant, Help to Save offers a 50% bonus on savings made by individuals receiving Universal Credit or Working Tax Credit. Over four years, savers can receive up to £1,200 in bonus payments, encouraging long-term financial resilience.
6. Carer’s Allowance Supplement (Scotland)
For unpaid carers in Scotland, this grant provides additional financial support twice a year. You must already be receiving Carer’s Allowance to qualify. It recognises the important role of carers and eases their financial stress.
7. The Flexible Support Fund
Available through Jobcentre Plus, this fund helps unemployed individuals overcome financial barriers to getting a job. It can cover travel, childcare, clothing for interviews, or essential work equipment. Each application is assessed individually.
8. Individual Learning Accounts (Scotland)
For Scottish residents aged 16 or over earning less than £22,000 annually, this grant helps fund short learning courses. It supports skills development for career progression, retraining, or personal interest.
9. Discretionary Housing Payments
These are short-term grants provided by local councils to individuals who receive Housing Benefit or Universal Credit but still face housing-related financial difficulties. They can help with rent arrears, deposits, or moving costs.
10. Career Development Loans (Legacy Scheme)
Though no longer open to new applicants, many individuals still benefit from legacy Professional and Career Development Loans to fund training. Alternatives include funding support via Adult Education Budget and Skills Bootcamps.
Frequently Asked Questions
Can I get a grant as an individual in the UK?
Yes, the UK government offers various grants for individuals, depending on your circumstances such as income, disability, age, and employment status.
Do you need to repay government grants UK for individuals?
Most grants do not require repayment unless you fail to meet the grant conditions or provide false information.
Are there grants for students and adult learners?
Yes, schemes like EMA and Individual Learning Accounts offer support for students and adult learners aiming to develop their skills.
How do I find out what grants I’m eligible for?
You can check eligibility through official government websites, local councils, or Jobcentre Plus offices based on your personal situation.
What’s the difference between a grant and a benefit?
Grants are usually one-time or purpose-specific payments, while benefits are ongoing financial support based on eligibility criteria.
Are there government grants for people starting a business?
Yes, individuals can access schemes like Start Up Loans and Universal Credit Start-Up Grants to support new business ventures.
Conclusion
Government grants UK for individuals offer vital support across many life areas—education, employment, housing, and personal development. Whether you’re facing hardship or pursuing self-improvement, these grants can ease your financial burden and open new opportunities. Research, prepare your applications carefully, and make use of available local resources to maximise your chances of success.