Housing benefit reforms: impacts on social housing tenants Lizzie Clifford, Policy and Research...
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Transcript of Housing benefit reforms: impacts on social housing tenants Lizzie Clifford, Policy and Research...
Housing benefit reforms: impacts on social housing tenants
Lizzie Clifford, Policy and Research Assistant, National Housing Federation
Housing Benefit reform and social tenants
The context for social housing
Under-occupation penalty
• HB for working-age families to reflect household size
in social sector
• Affects existing tenants, particularly empty-nesters – average loss £13 per week
• Hits 670,000 households in Great Britain; 50,000 in SE
• Impractical and won’t solve overcrowding
• Penalty will affect 450,000 disabled people and 108,000 properties adapted for tenants with disabilities
Total benefits cap
• Benefits capped at average take-home pay for working-age families (£26,000 for family, £18,200 for single person)
• Due to hit 50,000 households, losing average £93/week
• Will bite for large families, high value areas, many near-market rents
• Threatens future development of family-sized
homes, particularly in higher-value areas
Universal Credit
•Single streamlined payment
•Potential threat to HB direct to landlords
•Problem for unbanked claimants
– 13-15% of social tenants unbanked
•Sanctions may reduce ability to pay
rent leading to arrears and homelessness
Other pressures
• Increased non-dependent deductions
• LHA changes leading to more demand for social
housing and less available move-on
accommodation for people in supported housing
• DLA reform – fewer people will be eligible for
new PIP and loss of mobility payments for care
home residents
• Abolition of Social Fund
What are housing associations doing to prepare?
• Welfare to work programmes
• Financial inclusion initiatives
• Tenant profiling
• Targeted housing management
• Mobility/transfers