Bringing a new life into the world is an extraordinary journey one that brings joy, love, and excitement, but also a growing list of financial responsibilities. From nappies and cots to prams and feeding essentials, preparing for a baby can stretch your budget fast. Fortunately, financial help is available.
The UK Government offers a one-time, tax-free payment through the Sure Start Maternity Grant, administered by the Department for Work and Pensions (DWP). Eligible families can receive up to £1,000 in support an essential boost during one of life’s biggest milestones.
In this in-depth guide, we’ll cover everything you need to know about the Sure Start Maternity Grant, including who qualifies, how to apply, and expert tips to make the most of this support.
What Is the Sure Start Maternity Grant?
The Sure Start Maternity Grant is a one-off payment from the DWP designed to ease the financial pressure that comes with having a baby. This grant does not need to be repaid, won’t impact your existing benefits, and is entirely tax-free.
While the standard payment is £500 per child, if you’re expecting twins or triplets, the grant could be worth up to £1,000 helping to cover essential items like:
- Newborn clothing and bedding
- Prams and car seats
- Feeding equipment and baby monitors
- Nappies, wipes, and toiletries
Key Facts at a Glance
| Feature | Details |
|---|---|
| Grant Amount | £500 per child (£1,000 for multiple births) |
| Administered By | Department for Work and Pensions (DWP) |
| Eligibility | Must receive qualifying benefits and be pregnant or have a baby under 6 months |
| Deadline | Apply from 11 weeks before the due date to 6 months after the baby is born |
| How to Apply | Fill out Form SF100 and send it to the DWP |
| Official Site | gov.uk/sure-start-maternity-grant |
Who Can Claim the £1,000 DWP Maternity Grant?
To be eligible for the grant, you must:
- Live in the UK
- Be pregnant with your first child OR expecting multiple births (e.g., twins or triplets)
- Receive one of the following qualifying benefits:
- Universal Credit
- Income Support
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Pension Credit
- Child Tax Credit (above the family element)
- Working Tax Credit (with a disability element)
Additionally, you may qualify if you’re:
- Adopting a baby under 12 months old
- Becoming a guardian through legal responsibility such as a parental order
Real-Life Example: How This Grant Helps
Case Study: Sophie from Manchester
Sophie, a 28-year-old first-time mum, was receiving Universal Credit when she was expecting her baby. At 30 weeks pregnant, she filled in the SF100 form and submitted it via post. Within three weeks, she received the £500 grant and used the funds to purchase a gently-used pram, stock up on nappies, and buy a starter set of baby clothes—all without dipping into her monthly income.
How to Apply for the Sure Start Maternity Grant
Step 1: Get the Form
Download the SF100 form from the official GOV.UK website or request a paper version from your local Jobcentre Plus.
Step 2: Fill It In
Complete your personal and financial details, including:
- Full name and address
- National Insurance number
- Expected due date or the baby’s birth date
- Details of your qualifying benefits
Step 3: Get Healthcare Confirmation
A midwife, GP, or health visitor must complete the healthcare section of the form to confirm your pregnancy or recent birth.
Step 4: Send It Off
Post the form to:
Freepost DWP SSMG
(No stamp required)
Step 5: Wait for Processing
Most applications are processed within 2 to 4 weeks. If your application is denied, you can request a mandatory reconsideration and submit additional evidence.
Application Deadlines: Don’t Miss Out
Timing is everything. Here’s when to apply:
- Earliest: 11 weeks before your due date
- Latest: 6 months after your baby is born
- Adoptions/guardianships: Apply within 6 months of assuming responsibility
If you apply after the window closes, your application may automatically be rejected.
Why This Grant Is So Important for UK Families
Raising a child isn’t cheap. According to MoneyHelper, the first year alone can cost up to £6,000. Here are a few common baby expenses:
| Item | Approximate Cost |
|---|---|
| Nappies & wipes | £45/month |
| Baby clothes | £100–£200 to start |
| Travel system/pram | £200–£500 |
| Cot & bedding | £150–£300 |
| Feeding supplies | £60–£150 |
| Car seat | £60–£120 |
For families already managing on limited budgets, this grant offers more than financial help it offers peace of mind.
Expert Tips to Make the Most of Your Grant
✅ Create a Baby Budget
List the essentials and set spending limits. Focus on necessities like a safe cot, nappies, and basic clothing.
✅ Shop Second-Hand
You can stretch your grant money by:
- Buying from charity shops
- Browsing Facebook Marketplace or eBay
- Attending baby markets and swap meets
- Accepting hand-me-downs from friends or family
✅ Seek Additional Help
Explore further support options such as:
- Turn2Us for a free benefits check
- Baby banks like Little Village (London)
- Local charities that offer baby starter packs
✅ Keep Receipts
Maintain a record of your purchases. This could be useful for future grant applications or financial audits.
Frequently Asked Questions
Is the grant taxable?
No. It is completely tax-free and doesn’t affect your other benefits.
Will it impact my Universal Credit or Tax Credits?
Not at all. It won’t be counted as income or savings.
Can I still apply if I’m working?
Yes, as long as you or your partner receive a qualifying benefit like Working Tax Credit (with a disability component).
What if my application is denied?
You can challenge the decision by asking for a mandatory reconsideration and submitting additional documentation.
Is there an online application option?
No, applications must be submitted by post using the SF100 form.
Can I receive the grant more than once?
Only if you’re expecting multiple births or adopting another child under 12 months. Otherwise, it’s a one-time payment per qualifying child or event.
Final Thoughts: Don’t Miss Your Chance
The Sure Start Maternity Grant could be the helping hand you need as you welcome your baby. It’s not just financial assistance it’s a chance to start parenthood on more stable ground. With up to £1,000 available, make sure you check your eligibility and apply within the deadline.
For more support and to download the application form, visit the official GOV.UK page.