This volume covers the rules across the UK for help with personal housing costs available through the universal credit, mortgage interest loans, council tax rebate schemes in Great Britain and rate rebate scheme in Northern Ireland. This guide is designed to run side by side with volume 2 which covers housing benefit. Together, they provide a comprehensive guide covering all the main schemes for help with housing costs in the UK. Written in a plain English style it is designed for easy use by tenants, homeowners, local councils, social landlords, welfare rights advisers, tribunal members and housing professionals.