Benefits and support How your capital (savings and investments) affects your Housing Benefit and Council Tax Support

What counts as 'capital'.

Your benefit will probably be affected if you have any of these:

  • Savings in banks, building societies or the Post Office and in cash
  • Money in current accounts
  • Individual Savings Accounts (ISAs)
  • Tax Exempt Special savings Accounts (TESSAs)
  • Tessa only ISAs (TOISAs)
  • Premium bonds and income bonds
  • National Savings Certificates
  • Stocks, shares, unit trust holdings, Government securities and bonds
  • Lump sums such as redundancy payments, insurance payments and back payments of Social Security benefits
  • Tax refunds
  • Money invested in a business and business assets
  • Property, such as a house you own but don't live in
  • Land
  • Money held in trust
  • Money you have borrowed

This is not a full list.

You must tell us about any capital you and your partner have. You will also have to provide evidence.

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