Information about what affordable housing is, what market rent is, social rented housing, renting, registered providers, affordable rent, intermediate housing, shared ownership, shared equity, help with housing costs, a need for affordable housing, new affordable homes and how to buy an affordable home.
Affordable housing is housing to meet the needs of people who do not have sufficient income to pay for open market housing to rent or buy. Usually it is housing provided by the council or housing associations that can be rented or purchased at less than market prices.
This is rent paid that is not subsidised. The price depends on the availability of and demand for housing in an area, and the cost of alternatives such as owner occupation. Properties owned by private landlords are usually let at market rents.
Homes owned or managed by registered providers such as councils and housing associations which are let at below market rents set under national formula.
Our 'What and Where booklet lists where all council and housing association houses are. Our allocation scheme sets out how council houses are allocated, it also is able to nominate to a proportion of housing association homes. To apply to go on the housing register you need to complete an application form. Further information can be found on the housing advice page.
Registered providers are local authority landlords and housing associations, registered with and regulated by the Homes and Communities Agency. In the East Riding, the council and a number of housing associations are registered providers.
This is a recently introduced approach to setting rents for new housing association properties at 80% of average local market rents. It may also apply to new tenants of existing homes and is a type of intermediate housing.
These differences and our policy on affordable rents are set out within the Affordable Rent Policy, which is available to view:
Affordable Rent Policy 2017 (pdf 301kb opens in new window)
Housing that costs more than social rented housing but less than a market rent. It also includes homes that can be bought at less than market prices through shared ownership or shared equity arrangements.
Buying a proportion of a dwelling and paying rent on the remainder, usually to a housing association. It may be possible to buy additional ‘shares’ of the dwelling until it is owned outright, but this cannot happen in rural areas.
Purchasers buy a specified proportion of the value of the home but do not pay rent on the remaining proportion, which is owned by a registered provider who ensures that future sales are restricted to eligible households and that affordability is maintained. Purchasers are not able to buy additional shares in the property.
If you are having difficulty paying your rent, you may be eligible for housing benefit. If you are buying your home and are struggling to pay your mortgage you should seek financial advice as soon as possible and speak to your mortgage provider.
Alternatively advice may be sought from:
The Community Legal Advice Network (external website) The Citizens Advice Bureau (external website)
Further information can be found on the housing advicepage and from the DirectGov website:
DirectGov - Buying, selling and owning a home (external website)
The Council's Strategic Housing Market Assessment assesses the need for housing in the area and looks at the way local housing markets work and how this affects the need for different types of housing across all tenures:
East Riding of Yorkshire Council Strategic Housing Market Assessment 2016 (pdf 6.58mb opens in new window)
In addition, the council’s rural housing enabler can work with parish councils and local communities to identify the need for affordable housing in rural areas through housing needs surveys at the parish level.
The council has produced an Affordable Housing Viability Assessment to help determine appropriate affordable housing targets in and across the East Riding.
They may be:
'Help to Buy' is an umbrella term for a range of government funded schemes designed to help people to get onto the property ladder. There are several options available, including:
Help to Buy NEYH are the agent for the North East, Yorkshire and Humberside. They can provide advice on the schemes available, check if you are eligible and help you to find a property. Further details about the schemes can be found on Help to Buy NEYH website.
Help to Buy NEYH (external website)
Alternatively, you can contact the team directly:
Tel: 0113 852 6888
Community led housing is a way for local communities to bring forward new affordable housing schemes to meet the needs of their communities, normally helping specific groups - for example young people, older people or those in need of low cost family homes. In 2016 the council was awarded £2m from the Community Housing Fund to support community led housing in the area. Further information on how to access this funding is detailed in the Community Housing Policy. This is available to view here:
Community housing fund policy (pdf 121kb opens in new window)