|10.1.1||Awareness of the typical costs involved in renting or owning a home (deposit; rent/mortgage; service and utilities – water, gas, electricity etc.)|
|10.1.2||Awareness of other costs and typical bills (e.g. TV licence, insurance, broadband etc.)|
|10.1.3||Awareness of the process of renting a home (e.g. references; deposit; removals etc.)|
|10.1.4||Awareness of ways to save energy around the house|
|10.1.5||Awareness of the features of and how to read common household bills (e.g. council tax/rates, water, gas etc.)|
|10.1.6||Awareness of the existence of grants to fund improvements, aids and adaptations for a home|
|10.1.7||Awareness of the differences between social housing and private housing|
|10.1.8||Signpost or refer customers to appropriate sources of information on renting, home ownership and housing advice|
|10.1.9||Awareness of scams and what to do if a customer has been the subject of a scam|
|10.2.1||Knowledge of the main features of tenancy agreements and the costs involved for landlord and tenant (e.g. agency fees and deposits)|
|10.2.2||Knowledge of availability of grants for moving costs|
|10.2.3||Knowledge of tenant’s and landlord’s rights and responsibilities|
|10.2.4||Knowledge of the grants to fund improvements, aids and adaptations for a home|
|10.2.5||Understanding of the advantages and disadvantages of renting versus buying a home|
|10.2.6||Understanding of the procedures used by main lenders|
|10.2.7||Understanding of the role of mortgage advisors|
|10.2.8||Understanding of the changes in personal circumstances that might affect an individual’s ability to pay their rent/mortgage|
|10.3.1||Familiarity with and ability to confidently use, online toolkits and calculators (e.g. Stamp Duty/Land Transaction Tax calculators, mortgage affordability calculators etc.)|
|10.3.2||Support customers in accessing online portals and using toolkits, which might include completing information on their behalf|
We have put together a directory of further information to help you meet the competencies in the framework that will also support the people you help too.
It includes relevant training and qualifications for each domain (identified by a mapping exercise carried out in 2019).
The links to training and qualifications are provided for your information and should not be interpreted as approval or endorsement of the materials. Before signing up, it is important to check the credentials of the organisation if you are not familiar with them.
Things to think about include:
- Will you get professional or recognised accreditation?
- Can you get recommendations from your network?
- Could you negotiate discounts by grouping together with other practitioners?
There are also links to further information on a range of relevant domain topics. Many of these links go to the MAS website, where you can get up to date information along with links to other organisations and sources of support. You can signpost people to these sources or use them as a basis for direct guidance. This information will be very useful for supporting your skills and knowledge in tiers 1, 2 and 3 technical domains.
Bear in mind this information is intended as a starting point and we plan to add further resources as we become aware of them to create a comprehensive database that will strengthen and grow as the programme develops.
Please do let us know of any training, qualifications or information resources that you use and think would help other practitioners by contacting us.
The Open University: You and Your Money (DB125)
Quaker Social Action – Starting conversations about money – workshop
Shelter – Financial Capability for Advisers
Advice UK – Learning to Advise 2019
The Money Advice Trust – Wiseradviser – Introduction to money advice (England & Wales)
The Money Advice Trust – Wiseradviser – Introduction to money advice (Northern Ireland)
The Money Advice Trust – Wiseradviser – Introduction to money advice (Scotland)
Institute of Money Advisers – Coping with Council Tax: Essential Knowledge and Expert Tips
Institute of Money Advisers – Rent Possession Proceedings: Defences and Tactics
Money Advice Trust – Wiser Advisor – Council tax: Liability and Enforcement
Money Advice Trust – Wiser Advisor – Introduction to Clients in rented housing
Information and guidance sources of support
MoneyHelper – Differences between renting and buying
MoneyHelper – Renting explained
MoneyHelper – Buying a home
MoneyHelper – Mortgages explained
Citizens Advice – Applying for a council home
MoneyHelper – Shared ownership explained
MoneyHelper – Your legal and financial responsibilities when renting
Citizens Advice – Landlord’s responsibilities: social housing
MoneyHelper – Grants for ill or disabled people
MoneyHelper – Rent affordability calculator
MoneyHelper – Applying for a mortgage
MoneyHelper – Mortgage affordability calculator
MoneyHelper – Mortgage costs calculator
MoneyHelper – Costs of buying a home and moving
MoneyHelper – Stamp Duty calculator
GOV.UK – Stamp Duty Calculator
MoneyHelper – Reducing energy bills
Citizens Advice – Help with energy bills
MoneyHelper – Help with energy bills
MoneyHelper – Switching or deducing household bills
Citizens Advice – Help with home improvements