Moving on Universal Credit: A Step-by-Step Guide

Moving home can be stressful at the best of times; juggling viewings, paperwork, removals, and that never-ending list of admin. But if you’re receiving Universal Credit, the process may seem even more daunting. From understanding what help is available to navigating changes in your claim, this guide breaks down everything you need to know about moving home on Universal Credit.

Whether you’re relocating due to a change in circumstances, searching for more affordable housing, or simply starting a new chapter, this step-by-step guide will help you make sense of the support available, including DSS moving assistance, housing support for DSS tenants, and Universal Credit relocation help.

Step 1: Understand the Impact of Moving on Your Universal Credit

Before you pack a single box, it’s essential to understand how moving will affect your Universal Credit claim.

Universal Credit is a benefit that adjusts according to your circumstances; that includes your rent, local housing allowance (LHA), council tax, and who you live with. When you move, your claim doesn’t automatically transfer. In most cases, you’ll need to report your change of address to the Department for Work and Pensions (DWP) on the day you move.

If you’re moving to a different local authority, your housing element (rent support) could change based on the new area’s LHA rates. Even a short move down the road could affect how much support you’re entitled to, so always check your prospective area’s rates in advance.

Step 2: Start Looking for DSS-Friendly Properties

Many landlords still advertise their properties as “No DSS,” despite changes in the law making this kind of blanket policy potentially discriminatory.

So what does DSS actually mean today?

DSS is a historical term that refers to tenants who receive housing benefit or Universal Credit to help pay their rent. Some landlords and letting agents may still use the term to screen applicants, even though housing support for DSS tenants is legal and protected.

Tips for Finding DSS-Friendly Properties:

  • Use DSS-specific letting websites and search filters
  • For information about supported housing projects, get in touch with the local housing associations and councils.
  • Speak directly to landlords who may be open to tenants on benefits
  • Get a guarantor if possible; this can reassure private landlords
  • Offer direct rent payments from Universal Credit if it helps build trust

Your Universal Credit relocation help may also include advice from your local Jobcentre or Citizens Advice Bureau, who often have lists of DSS-accepting landlords.

Step 3: Check What Moving Costs You Can Get Help With

Here’s the good news: moving isn’t cheap, but there are options to help cover the costs if you’re receiving Universal Credit.

1. Budgeting Advance (Universal Credit)

You may be eligible for a Budgeting Advance — an interest-free loan from the DWP to help with unexpected or essential expenses, such as:

  • Removal van hire
  • Rent deposit
  • Rent in advance
  • Essential furniture for your new home

To apply, you must have:

  • Been receiving Universal Credit, ESA, JSA or Income Support for at least 6 months
  • Earned less than £2,600 during the previous six months (£3,600 for couples).
  • No outstanding Budgeting Advance repayments

The range of loan amounts is £100 to £812, contingent on your specific situation.

2. Discretionary Housing Payments (DHPs)

If your Universal Credit doesn’t cover your full rent, or you need help with moving costs like a deposit or rent in advance, you may be eligible for a Discretionary Housing Payment from your local council. This is a short-term top-up to help people with urgent housing needs.

Councils manage these on a case-by-case basis, so it’s worth applying if you’re struggling. Supporting documents like a moving quote or tenancy offer letter can strengthen your application.

3. Local Welfare Assistance Schemes

To assist citizens in times of need, numerous municipalities operate Local Welfare Assistance Programs. These can sometimes include support with furniture, white goods, and moving essentials. Each council sets its own rules, so check with your local authority.

Step 4: Notify Universal Credit of Your Move

Once you’ve confirmed your move-in date, you must update your Universal Credit journal on the same day you move. Delays could impact your housing support.

What to Include:

  • New address
  • New rent amount and tenancy agreement
  • Landlord’s name and contact details
  • Council Tax band if it’s changed
  • Changes to household members, if any

The system will then re-calculate your housing element based on your new details.

If you move before your next assessment period ends, your Universal Credit amount may be backdated for part of the month; but only if reported promptly.

Step 5: Coordinate the Move

Planning is key to a smooth relocation. Here’s how to make moving day less stressful: 

1. Book Your Removal Help Early

If you’ve applied for a Budgeting Advance or DHP, wait for confirmation before committing to removal firms. If you’re receiving DSS moving assistance, some charities or housing schemes may also offer free or low-cost removals.

2. Update Your Council Tax

If you’re on a reduced Council Tax scheme, you’ll need to apply again in your new area — exemptions don’t transfer automatically.

3. Inform Utility Companies and Services

Provide at least two weeks’ notice to your water, gas, electricity, and broadband providers. Take meter readings and update your details with:

  • GP and dentist
  • Banks and credit providers
  • School or childcare services
  • DVLA (if your driving licence needs updating)

Step 6: Prepare for Delays in Housing Payments

Unfortunately, the Universal Credit system doesn’t always move as quickly as you do.

It’s common to experience a delay between reporting your new rent and receiving your updated housing payment. This gap can cause real anxiety; especially if you owe rent in advance.

Ways to Bridge the Gap:

  • To ensure that your housing payment is sent straight to your landlord, request an Alternative Payment Arrangement (APA).
  • Discuss your predicament with your new landlord; many would be sympathetic if you can substantiate your claim.
  • Apply for a short-term loan or Budgeting Advance to cover the interim period.

Some housing associations are used to dealing with Universal Credit delays and may offer support or flexibility with move-in costs.

Step 7: Adjust to Your New Budget

Your rent and cost of living may change in your new home, especially if you’ve moved to a different council area. It’s wise to review your monthly budget to avoid falling behind on bills.

Budgeting tips:

  • Use online benefits calculators to estimate your new entitlement
  • Set up direct debits for bills to avoid missed payments
  • Keep an emergency fund if possible (even a few pounds helps!)
  • Reach out to local support groups if you’re struggling with bills or food

If your rent has increased and you’re not receiving enough help, you can apply again for a Discretionary Housing Payment or speak to your work coach about potential support.

Step 8: Know Your Tenant Rights

Just because you’re receiving Universal Credit doesn’t mean you have fewer rights than other tenants.

You’re entitled to:

  • A written tenancy agreement
  • Protection from eviction under standard legal procedures
  • Repairs and maintenance under landlord obligations
  • A deposit protected in a government-approved scheme

If you feel you’re being treated unfairly due to your benefits status, you can contact Shelter, Citizens Advice, or your local housing team for legal guidance.

Step 9: Access Ongoing Support

The first few months after moving can be rocky; but help is out there.

Useful Resources:

  • Shelter: housing advice for tenants on benefits
  • Citizens Advice: benefits and budgeting help
  • Turn2Us: grants and support search tool
  • Find My Move: relocation support and housing connections

You might also find local charities or community projects offering furniture donations, food banks, or one-on-one housing advice.

Final Thoughts

Moving home on Universal Credit might seem like navigating a minefield, but with the right planning and awareness of your rights, it’s absolutely manageable. From DSS moving assistance to Universal Credit relocation help, there’s more support out there than you might think; it just takes a bit of digging.

At Find My Move, we’re committed to helping people on all income levels find secure, affordable homes. Whether you need advice on relocation, finding DSS-friendly landlords, or accessing support schemes, we’re here to help you take the next step confidently.Ready to move? Reach out today and see how we can support your journey.