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Welcome to birmingham.gov.uk

Money matters for owner occupiers

Counting the Cost

Here are some of the bills that you'll have to pay regularly if you buy your own home:

  • mortgage
  • endowment policy (if you have an endowment mortgage)
  • building insurance
  • contents insurance
  • ground rent (if you are a leaseholder)
  • council tax
  • water rates
  • gas, electricity and phone bills
  • maintenance and repairs costs. (There are specific arrangements for leaseholders of ex-council properties. People in shared-ownership should contact whomever they have their agreement with: the housing association or us)
  • the cost of keeping up the garden (if you have one).

Budgeting: it all adds up

It's really important that you have enough money to meet all your commitments.

Make a list - and work out the weekly or monthly cost of each.

You can get advice on how to deal with your debts from our debt advice team, or take a look at our range of debt advice fact sheets for more hints and tips.

Like more advice?

You can get free, confidential advice from:

  • any Citizens Advice Bureau - call 08444 77 10 10 10 to find the one nearest to you
  • the Birmingham Consumer Advice Centre: 236 3271.

Problems with debt?

Take a look at our range of debt advice fact sheets - or you can get free and confidential advice from:

  • Birmingham City Council's Debt Advice Team: 0121 303 2087
  • Birmingham Law Centre: 0121 766 7466
  • Consumer Credit Counselling Service: 0800 138 1111
  • your local Citizens Advice Bureau: call 08444 77 10 10 10 to find the one nearest to you.

Facing repossession?

If you are facing repossession due to mortgage arrears you can get free and confidential advice from:

  • Birmingham Shelter Housing Aid Centre: 0844 515 1800
  • your local Citizens Advice Bureau: call 0121 248 4950 to find the one nearest to you.

Related links

Energy Saving Trust website

National Energy Foundation