Social housing finance

This Overview is a guide to the Banking & Finance content within the Social housing finance subtopic, with links to the appropriate materials.

Nature of social housing entities

Nearly all housing associations that raise private finance in England are regulated as ‘Registered Providers’ of social housing. This means that they are registered with the Regulator of Social Housing in England.

In England, registered providers are divided into private providers and local authority providers. The category of private providers is then sub-divided further into not-for-profit and for-profit providers. This Overview purely focuses on private not-for-profit providers of social housing registered in England, referred to in this Overview as ‘RPs’, since they account for the vast majority of private debt finance raised to date by housing associations.

Most RPs are structured as Community Benefit Societies, registered under the Co-operative and Community Benefit Societies Act 2014. A few organisations are structured as companies limited by guarantee, registered under the Companies Act 1985 or the Companies Act 2006. A number of (mainly small) RPs are structured as trusts.

Most RPs enjoy charitable status, which is an important consideration

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