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When everyone has a home

028 9024 5640: Housing & Debt Helpline for Northern Ireland

Affordability

The Centre for Housing Policy recently published ‘Financial Resilience and Security: Examining the Impact of Falling Housing Markets on Low Income Homeowners in Northern Ireland’.  This report was prepared by Alison Wallace, Anwen Jones and David Rhodes. Alison Wallace has kindly agreed to summarise the report for Housing Rights Service. 

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Repossession, Affordability, Opinion

The Department for Social Development (DSD) has announced a public consultation on proposals to introduce developer contributions for social and affordable housing.  The consultation, Developer Contributions for Affordable Housing: Public Consultation, closes on 26 August 2014.

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Policy, Affordability

A recent Judicial Review of the bedroom tax, supported by the Child Poverty Action Group (CPAG) has failed.  This Judicial Review was brought on the grounds that the policy was discriminatory as it does not allow for an additional bedroom where a child with disabilities needs overnight care.  The judgment stresses the importan

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Welfare Reform, Case law, Affordability, Legal

Joseph Rowntree Foundation (JRF) Findings  published recently revealed that household incomes, poverty rates and the labour market have all worsened in Northern Ireland (NI) in the last five years. In each case, this deterioration has been greater than in Britain.  NI also has a higher poverty rate than the rest of Ireland. Before housing costs, 21% of people in NI were in poverty in 2011 compared with 15% in the Republic of Ireland.

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Private Tenancies, Policy, Affordability

Joseph Rowntree Foundation (JRF) Findings[1] published last month revealed that household incomes, poverty rates and the labour market have all worsened in Northern Irelan

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Social Tenancies, Policy, Affordability

A number of consultation events are just about to get underway to look at new proposals for the operation and administration for the provision of energy efficiency improvements for low income households.

The events are being held as part of a consultation process which is looking at targeting help at low income households, regardless of whether they are in receipt of benefits. The events are being held as follows:

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Affordability

The Court of Appeal has upheld a High Court ruling which found that the Bedroom Tax discriminates against people with disabilities yet held that this discrimination was justified.

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Welfare Reform, Affordability

Housing professionals will be only too aware of the increase in the number of applications for possession of residential dwellings.  What many are less aware of is how useful an application for a Time Order can be to homeowners who risk losing their homes due to a secured loan or second charge.

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Repossession, Case law, Affordability

Advising homeowners who Are at risk of losing their home due to arrears on secured loans is a complex area. With this in mind, it’s essential that you’re aware of the very particular problems that can arise when your client has a second charge on their property. 

Advisers and clients alike need to be aware that when a borrower defaults on payment of a secured loan or a second charge the lender may be entitled to:

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Repossession, Affordability, Adviser

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