Wow that sounds like a really good scheme. I've never heard about it. By concession, do you mean HCC or a full pension card?
I'm pretty sure you don't need to own your home outright because the only proof of ownership required is a copy of your rates notice and you can have either Health Care Card or Pension Card. Looking like we will have our brand spanking new hot water service early next week.
Regards,
Dianne
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