Time running out for temporary fixes

Originally posted on May 28 as a column for Inside Housing.

What then? It’s the question that’s been left hanging in most of the housing elements of the government’s response to the Coronavirus and much more besides.

There was a partial answer on what happens to thousands of temporarily accommodated rough sleepers as the Ministry for Housing, Communities and Local Government (MHCLG) accelerated funding to make 3,300 housing units available over the next 12 months.

There was an answer of sorts for leaseholders living in unsafe buildings as MHCLG opened registrations for its new £1 billion Building Safety Fund that extends help to other forms of dangerous cladding as well as Aluminium Composite Material (ACM).

And there was a welcome one for millions of home owners with mortgages as the Treasury extended the chance to apply for a payment holiday by another three months and Financial Conduct Authority guidance made clear that banks should not start of continue repossession proceedings until the end of October given the uncertainty faced by customers and government advice on social distancing and self-isolation.

But there is still no answer for millions of social and private renters asking what will happen when the moratorium on evictions ends on June 25.

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MPs call for action on rough sleeping and renting

The government will miss a ‘golden opportunity’ to end rough sleeping once and for all if it fails to turn temporary measures into something more permanent.

And ministers must beef up ‘toothless’ plans to protect renters in the wake of the Coronavirus crisis or risk a new wave of homelessness.

Those are the top-line messages from an all-party group of MPs today. But an interim report on protecting rough sleepers and renters from the Housing, Communities and Local Government Committee also goes much further in endorsing calls by campaigners for wider changes to the housing system.

They recommend:

  • A dedicated funding stream to end rough sleeping, likely to be at least £100 million a year
  • Improved support for councils to help people with no recourse to public funds who will otherwise end up back on the streets
  • Boosting the supply of suitable housing by re-establishing the National Clearing House Scheme set up after the financial crisis for unsold homes and giving councils more flexibility to buy them
  • Turning the increase in the Local Housing Allowance to the 30th percentile from a temporary into a long-term measure and looking at the impact of raising rents further.

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‘Stay alert’ proves to be good advice

Originally published as a column for Inside Housing on May 14.

So it turns out that the change in prime ministerial messaging was more finely tuned than we thought.

When Boris Johnson told us to ‘stay alert’ rather than ‘stay at home’ in his broadcast on Sunday, the sense was of a change of emphasis that signalled a slow release from the lockdown in England.

Most immediately that seemed to mean builders returning to work on construction sites on Monday, which it then turned out meant Wednesday.

By Wednesday, with only a few hours’ notice, the government was reopening the housing market in England with profound implications for anyone buying, selling or renting a home.

In a country in which we are still prevented from visiting our elderly parents or friends there was detailed guidance for any number of strangers working in other people’s homes.

In a sales market caught on the hop, we will now start to find out the impact of the crisis on prices as buyers decide whether to go ahead with deals they agreed before March 23, lenders decide whether to revise their mortgage offers and developers find out whether they can sell stock they can now work till 9pm to complete.

The sense in housing secretary Robert Jenrick’s statement to parliament on Wednesday was of a government desperate to restart a key part of the economy, as home sales feed into construction and all the other industries that follow in its wake.

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How will we live after Corona?

Originally published as a column for Inside Housing on May 4.

How will Coronavirus change how we live and work – and how will that change housing?

In one sense these are impossible questions to answer since so much depends on how quickly we find a vaccine or an effective treatment for Covid-19 and how deep the recession will become.

Find either quickly and politics and the economy could soon return to something close to what we knew before February. After all, it seemed obvious that nobody would want to live or work in tall buildings after September 2001 and that house prices would fall after 2008.

If the search takes longer, if there is a second or third wave, if another Coronavirus hits us, the effects could be far more profound as social distancing and self-isolation change how we think about how we should live.

But in between those two scenarios many of the effects of the crisis will linger and a series of more marginal changes may add up to something bigger.

After months in which our homes have become the centre of our lives, not just places to eat and sleep but places to work and stay safe, the effects on housing could be just as profound.

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What help for housing?

Originally posted on insidehousing.co.uk on April 23.

An extension of Help to Buy looks likely, a stamp duty holiday probable, but what else should the government do when the housing market eventually emerges from its Coronavirus freeze?

Vested interests are already out in force making their case and can cite the effect of a downturn on housebuilding numbers, the economy and tax receipts in their support.

And if anyone is feeling a sense of déjà vu this is of course pretty much where we were in 2008, when the housing market slumped in the wake of the credit crunch.

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Seeing what’s essential

Originally published as a column for Inside Housing on April 16.

Week four of the Coronavirus crisis and the world is still being turned upside down.

Is it really less than a month ago that ending rough sleeping by the end of this parliament – rather in a weekend – seemed a big ask?

Or that it felt like it would take months, possibly years, of campaigning to get the government to restore Local Housing Allowance (LHA) to something like the level of rents?

Or even that it was possible to buy a flat or a house?

Long-held assumptions about the way we run our housing system have been turned on their head by the crisis.

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Housing in the time of Coronavirus

Originally posted on March 19 as a blog for Inside Housing.

It was only last week but already it seems a lifetime ago since BC – Before Coronavirus

With schools closing, London facing lockdown and, who knows, troops on the streets by the weekend, the impact on housing may seem minor by comparison.

But beyond parochial organisational concerns, the situation is critical for millions of people faced with losing their income or their job and wondering if they will lose their home too – and a matter of life and death for those living and working in care homes, extra care and sheltered housing and those who already have no home.

With the government twisting the arms of mortgage lenders to offer payment holidays, help arrived for home owners first. Now it is promising help for renters with emergency legislation to ban private and social landlords from evicting anyone for three months and no new possession proceedings to be allowed during the crisis.

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