What does ‘good’ look like?
Posted: April 25, 2024 Filed under: Affordable housing Leave a commentOriginally written as a column for Inside Housing.
What should we be aiming for in housing policy? Read just about any government’s green or white paper published over the last 30 years and the answer will be something like ‘decent homes for everyone at a price they can afford’.
If that sounds straightforward, achieving it has proved to be anything but. For every lofty pronouncement like that made over the decades, the housing options available have become less decent, more insecure and more unaffordable.
So what should ‘good’ look like – and how can we get there? Homes for All, a report out this week from the Church of England and Nationwide Foundation sets out to provide some of the answers.
Most of these are not rocket science. The objectives of building more homes, especially more for social rent, making existing homes more energy efficient, increasing the options available for an ageing population and reducing homelessness to a bare minimum would appear in most of our lists of desired outcomes.
But considering them all together as part of one housing system throws up some hard choices that are too often ducked by policy makers.
Read the rest of this entry »Making the most of Labour’s inheritance
Posted: April 18, 2024 Filed under: Housing need, Planning, Section 106, Social housing | Tags: Labour Leave a commentOriginally written as a column for Inside Housing
The economic inheritance of the next government will be so dire that it’s hard to avoid thinking that the prospects for housing investment will be even worse.
Take an already inadequate Affordable Homes Programme, add higher costs for construction, building safety, decarbonisation and follow the freeze on capital investment implied in current spending plans and you seem to have a recipe for housing disaster.
However, an important chapter in the latest UK Housing Review challenges that view on two important levels.
Glen Bramley builds on his longstanding work on housing need by essentially looking through the other end of the telescope at different scenarios for total completions of new homes in 2031 (ie after market conditions have recovered from the cost of living crisis etc).
His ‘low’ scenario corresponds with actual performance recently while ‘very low’ takes account of the current economic climate and recent changes in government planning policy that will reduce supply still further.
As the graph shows, under the ‘low’ scenario, there would be just 211,000 completions per year by 2031, with around 66,000 affordable homes including 35,000 for social rent. ‘Very low’ cuts those numbers by more than 20 per cent to just 164,000 overall and 50,000 affordable including 24,000 for social rent.
Judged against those numbers, the other three scenarios look a long way off, especially the promised land of ‘High-medium’ and ‘High’, which correspond with Labour’s pledge of 1.5 million new homes over five years and longstanding calls for 90,000 social rent homes a year.
Read the rest of this entry »The problems with shared ownership
Posted: April 11, 2024 Filed under: Section 106, Shared ownership Leave a commentOriginally written as a column for Inside Housing.
Is shared ownership at a crossroads or a dead end?
The fact that the question has to be posed at all is an indications of the issues now facing the part-buy, part-rent product that has been a mainstay of the affordable home ownership market, Section 106 planning contributions and housing association development programmes over the last three decades.
But after a month that has seen a critical report published by an all-party committee of MPs and relentlessly negative media coverage based on the personal experiences of shared owners, it is also a question that needs answers urgently.
A front-page story in The Observer featured shared owners who have fallen victim to soaring service charges and increases of more than 40 per cent in a year.
With grim irony, they had bought homes at Elephant Park in south London, site of the controversial demolition of the Heygate estate that was meant to be a showpiece for market-led regeneration.
BBC London has reported on cases including a shared owner in King’s Cross in north London whose annual service charge for 2024 rose 274 per cent from £4,200 to £16,000.
There may be many shared owners out there who are happy with their home but these are far from the first horror stories and sadly they will not be the last about a tenure that is meant to offer buyers an affordable way to staircase their way up the housing ladder.
The all-party Levelling Up, Housing and Communities (LUHC) Committee published a report just before Easter highlighting above-inflation rent increases, uncapped service charges, repairs and maintenance liabilities and complex leases that it said make shared ownership ‘an unbearable reality’ for people looking to become full owners.
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Jules Birch 