Help with bills is available in Merseyside through national schemes, your energy and water suppliers, and local support. While housing is relatively affordable, energy, food, childcare and transport costs affect many households. Some areas have very low household incomes. This guide covers where to look and what to ask for.
This guide is for general information only. It is not financial advice. Free debt help is available from charities and public bodies. Always check fees, terms, and eligibility before using a paid service.
Ask your energy supplier about the Warm Home Discount, the Priority Services Register (PSR) and any hardship funds they run. The PSR is free and gives extra protections including advanced notice of planned power cuts, free gas safety checks and password protection against bogus callers.
Council Tax Reduction (also called Council Tax Support) is available for people on low incomes or certain benefits. You apply to your local council. In Merseyside, check your local council website for the current scheme and eligibility rules. Single person households also get a 25% discount automatically.
Most water companies offer social tariffs for households on low incomes. WaterSure caps bills for households on certain benefits who use a lot of water for medical reasons or because they have three or more children. Contact your water company directly.
BT, Sky, Virgin Media, Vodafone and others offer social broadband tariffs for households receiving Universal Credit or other qualifying benefits. These start from under £15 per month. Ask your current provider or compare at Ofcom.
Check your local council website for the Household Support Fund, emergency hardship grants, food voucher schemes and other current support. Liverpool City Region Combined Authority and the five Merseyside councils run support schemes. Check your local council for current household support, food vouchers and emergency grants.
Merseyrail provides good rail links across the region. Bus networks vary. The Mersey Tunnel connects Liverpool and Wirral. Public transport costs are a regular outgoing for many. Housing in Merseyside is generally more affordable than the national average. Liverpool has diverse housing from city centre apartments to suburban family homes. Some areas have significant deprivation. Bills and housing together are often the largest part of a household budget in Merseyside.
Paid service: these may charge a fee. Compare free options first and check the terms before you continue.
Energy Switching Service
Paid comparison and switching services can help you find a cheaper energy tariff. Check whether there are fees, how they are paid and whether free comparison tools (Ofgem, MoneyHelper) offer the same result.
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Start with free support. The services listed above are free, experienced and cover all the main options available to you. You do not need to pay to get good financial help.
If you want personalised guidance, Ask Fin can help you work through your situation and point you in the right direction — this is general guidance, not regulated financial advice.
What is the Warm Home Discount?
The Warm Home Discount is a one-off payment of £150 off your electricity bill. Eligibility is based on your benefit status and your energy supplier participating. Check GOV.UK or your energy supplier for the current year's eligibility.
Can I get help with council tax in Merseyside?
Yes. Council Tax Reduction is available for people on low incomes and certain benefits. Apply to your local council in Merseyside. Eligibility varies by council.
What is the Priority Services Register?
The PSR is a free service from energy and water suppliers. It provides extra support to people who are elderly, disabled, chronically ill, have young children or have communication needs. Contact your energy and water suppliers to register.
Are there cheaper broadband options?
Yes. Social broadband tariffs start at under £15 per month for households on Universal Credit or certain benefits. Ask your provider or check Ofcom's comparison tool.
This guide is for general information only. It is not financial advice. Free debt help is available from charities and public bodies. Always check fees, terms, and eligibility before using a paid service.