Money Matters Advice Service

Managing money can be a struggle, especially if you are on a low income. That is why we try to keep our rents affordable and make sure our homes are efficient to run.

Budgeting is becoming an increasingly important skill to have. If you have more money going out than coming in it can mean that you do not have enough money to pay for your priority bills and essential expenditure. Planning and monitoring your budget will help you identify any areas of expenditure that can be cut back, allow you to make alterations if your financial situation changes, and help you achieve your financial goals.

If you are struggling to pay your rent, do not ignore the situation. Paying your rent is an important condition of your tenancy agreement and if you do not act you could end up losing your home. Get in touch with the Income Team, let us know about your circumstances and make a reasonable arrangement to repay the debt. Make sure you respond to any letters or phone calls from us about your rent account.

Meet the Team

Photo of James
James

Financial Inclusion Officer

Julie Brett
Julie

Financial Inclusion Officer

Photo of Michelle
Michelle

Financial Inclusion Officer

Nikki Tolley
Nikki

Energy and Wellbeing Officer

We offer a free and confidential service called 'Money Matters' to help and support our customers. Our work could help you maximise your income and reduce your outgoings, which can result in you having more money in your pocket. This can include more information about benefits you are entitled to.

Our Financial Inclusion Officers, James, Julie and Michelle and our Energy and Wellbeing Officer Nikki can help with:

  • Housing Benefit and Discretionary Housing Payments
  • Benefit checks
  • Help with Universal Credit
  • State Pensions and Pension Credits
  • Grants and Charitable Payments
  • Helping you to deal with debts
  • Benefit Applications
  • Budgeting help
  • Food vouchers and emergency food parcels
  • Energy payments

If you feel that you would benefit from our service, contact us for an appointment.

There are a number of online tools and websites that can help either with debt advice, benefits help or welfare assistance. You can find out more about these from our Benefits webpage.

People sat around talking informally

Avoid Loan Sharks


Avoid going to commercial debt companies who charge high fees. Never go to an unlicensed money lender (or loan shark) if you are struggling financially. They will only make your situation worse.    

We’re committed to supporting our customers not just with quality homes, but with the tools and opportunities to thrive. That’s why we’ve partnered with Westcountry Savings and Loans—a trusted, ethical credit union—to offer our customers access to affordable loans and easy-to-manage savings accounts.

This partnership is all about helping you take control of your finances, avoid high-cost credit, and build a more secure future.

What’s on offer?
  • Affordable loans from £100 to £15,000 with fair interest rates
  • Savings accounts to help you build financial resilience
  • Tailored support for North Devon Homes customers
  • Simple online applications and friendly local service
  • Not-for-profit and community-focused—your money stays local


Whether you’re planning ahead or facing an unexpected expense, Westcountry Savings and Loans are here to help you make confident, informed financial choices. Visit their website for more information: Westcountry Savings and Loans

Hardship Fund

The hardship fund is open between 1st November and 28th February.