Cost of living support

We are here to help you with your money matters, whether it’s getting the benefits you’re entitled to or support with budgeting. 

Better off calculator

Find out if you’re getting all the benefits you’re entitled to with our Better Off Calculator. Our free online tool can help you understand which benefits you may be eligible for, and if you applied for them, how much better off you might be, as well as budgeting advice and guidance around reducing your household bills.

See how you could be better off
Better Off Calculator Website 01
Cost-of-living support

Many households are feeling the effects of increasing energy, food and fuel costs. It can be helpful to know what support and help is at hand, from government payments and council tax rebates to energy-saving practices.

Read more about cost of living support
Income and Advice Services Team

We know that there may be times when you run into financial hardship or may simply need some support. Some of the free and impartial services we offer are:

  • Finding solutions to help you overcome debt
  • Spending management and budgeting
  • Assistance with applying for benefits
  • Accessing help from other organisations
  • Helping you understand your rights and responsibilities

You can get in touch with our dedicated in-house team at customer@moat.co.uk.

Universal Credit helper tool

Looking to claim Universal Credit and don't know where to start?

We've launched a super simple and useful Universal Credit tool, with step-by-step guidance to give you all the information you need to help you through the application process.

Check it out here
Application Form Submitted
Stopping loan sharks

Loan sharks are unauthorised money lenders, who take advantage of those in need by providing loans with extremely high interest rates and limited paperwork to confirm the arrangements.

We have partner recognition with England Illegal Money Lending Team (IMLT) to help to identify and report loan sharks. If you are worried that you, or someone you know, might be the victim of a loan shark, you can report any concerns confidentially via:

Loan Shark Aware Website 03

We've put together some of our frequently asked questions which you may find useful.