Universal Credit

Universal Credit (UC), launched in April 2013, is the Government’s latest means-tested benefit, overseen by the Department for Work and Pensions (DWP). It provides a single, monthly payment for people of working age (up to 66 years old), whether they are unemployed, unwell, disabled, caring for children or adults, or in part-time or full-time work. By March 2026, UC is set to completely replace the existing means-tested benefits your tenants might currently receive – including Income Support, Jobseeker’s Allowance (Income-Based), Employment and Support Allowance (Income-Based), and tax credits. Landlords are especially interested in the “Housing Costs Element” (HCE) of Universal Credit, which replaces Housing Benefit (HB). Since its introduction, the DWP has faced ongoing challenges in administering the HCE, resulting in significant rent arrears, jeopardised tenancies, and, in some cases, avoidable evictions. However, landlords who take a proactive approach – or who utilise specialist staff such as Welfare Rights or Financial Inclusion advisers – can substantially reduce potential losses and safeguard their tenants’ homes. As acknowledged experts in this field, we work collaboratively with you and your team to ensure you’re fully informed and equipped to address any issues with the DWP or First-tier Tribunals on behalf of your tenants. Where disputes cannot be resolved through mediation, we are able to act as your representative, supporting you throughout the process.