Major works payments
As a leaseholder, you must pay for building maintenance.
Large repairs can be expensive, but we offer several payment options.
The payment options were created with help from Ealing Council Leaseholder Association (ECLA) and Leaseholder Forum
When you get an invoice for major building work, you should contact home ownership services within 30 days to set up a payment plan.
If you do not do this, you will be in debt and could face legal action.
Repayment options
Full payment discount
Pay within 30 days to get a 2.5% discount. Available to all leaseholders.
12-month no interest plan
Pay in 12 equal monthly payments with no interest. You will need to email us within 30 days of your invoice to set this payment up. Available to all leaseholders.
Statutory loan
For Right to Buy homeowners who bought within the last 10 years. Repay up to 10 years with variable interest rates.
Discretionary loan
Only available to owner-occupiers who cannot get a statutory loan and have no other way to pay.
Apply for a discretionary loan
Extended interest-free repayment period
To apply for extended repayments, you will need to write to us or return the payment questionnaire to arrange monthly payments.
For owner-occupiers only:
- 18 months: For bills between £4,201 to £6,300
- 24 months: For bills between £6,301 to £8,400
- 30 months: For bills between £8,401 to £10,500
- 36 months: For bills more than £10,501
Five-year plan
Only available for owner-occupiers with bills over £12,601. No interest for the first 3 years and then variable interest for the final 2 years.
Voluntary charge
Only available for owner-occupiers who cannot get other loans. The amount is secured against your property and paid when you sell, plus interest.
Voluntary charge plus
Like the voluntary charge option, but you can pay interest monthly before selling.
Apply for a voluntary charge plus
Flexible option
Only available for owner-occupiers with mix and match of the above available options. This will be based on a qualifying criteria.
Equity share
Only available for owner-occupiers with bills over £10,000, and is when the council buys a share of your property. This option is only available if all the other options have been reviewed and do not work.
Ways to pay
Pay by direct debit
The easiest way to pay is by direct debit. Once set up, we will automatically collect payments from your bank account on agreed dates.
Standing order
Set up monthly automatic payments through your bank.
Phone payments
Call 0300 4560545 24-hours-a-day, 7 days a week to pay by card.
We accept:
- Mastercard
- Visa credit cards or debit cards
- Delta
- Maestro
Online banking
Pay through your bank using these details:
- our bank account number: 02390175
- our bank sort code: 30-00-00
- reference number: Your service charge account number
- our bank is: Lloyds Bank Plc
Online card payment
Make payments online using your payment card and major works invoice number.
BACS payment
Send us a remittance document when making bulk BACS payments to show how payments are split across accounts.
Refund or credit transfer
You can:
- get money back from credit on your major works account
- move credit between major works and service charge accounts