There may be a waiting list for assessments. Some councils and housing associations adapt their own properties without using grants. Private tenants can apply for a DFG, but the application has to be agreed by the landlord. People who move within five years, may have to pay back part of the grant. The grant system requires applicants to contribute to the grant, unless they are on a low income.
Many people have difficulty finding their share.
Social services may agree to top up the grant or make a loan. MS Society branches often have funds available to help top up costs, or assist people who cannot get a grant. Contributions are not requested here, but the council is not obliged to give you the grant. Council tenants are not eligible. Some councils' social services departments will pay for inexpensive adaptations, such as grab rails, without much red tape.