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Affordable Housing

What is affordable housing?

The definition of affordable housing is taken from the National Planning Policy Framework (NPPF) March 2012.

Affordable housing: Social rented, affordable rented and intermediate housing, provided to eligible households whose needs are not met by the market. Eligibility is determined with regard to local incomes and local house prices. Affordable housing should include provisions to remain at an affordable price for future eligible households or for the subsidy to be recycled for alternative affordable housing provision.

Social rented housing is owned by local authorities and private registered providers (as defined in Section 80 of the Housing and Regeneration Act 2008), for which guideline target rents are determined through the national rent regime. It may also be owned by other persons and provided under equivalent rent arrangements to the above, as agreed with the local authority or with the Homes and Communities Agency.

Affordable rented housing is let by local authorities or private registered providers of social housing to households who are eligible for social rented housing. Affordable Rent is subject to rent controls that require a rent of not more than 80% of the local market rent (including service charges, where applicable).

Intermediate housing is homes for sale and rent provided at a cost above social rent but below market levels, subject to the criteria in the Affordable Housing definition above. These can include shared equity (shared ownership and equity loans), other low cost homes for sale and intermediate rent, but not affordable rented housing.

Homes that do not meet the above definition of affordable housing, such as "low cost market" housing may not be considered as affordable housing for planning purposes.

High house prices and high private rents have meant that there is a huge demand for affordable housing. Local authorities work with partner Housing Associations to run initiatives which provide low cost homes for rent and sale, to help people who are unable to afford to rent or buy a home on the open market.

Where can I find out about how to buy an affordable home?

For information on schemes to buy an affordable home visit https://www.gov.uk/affordable-home-ownership-schemes