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028 9024 5640: Housing & Debt Helpline for Northern Ireland

Policy

Housing Rights Consultation Response on Reforming the Rating System

Housing Rights notes that several aspects of our response to the previous ‘Review of Rate Liability in the Domestic Rental Sector’ have not been incorporated in the draft proposals. The specific issues raised, which largely relate to rates liability in the rental sector as well as rates recovery, are significant concerns for those who contact our advice service for assistance. It is with disappointment, therefore, that we note that none of these points have been progressed to the proposals contained in the current paper.

The substance of this response therefore contains specific comments on particular proposals contained in the ‘Rates Rethink’ paper, as well as reiterating points made in relation to the previous review of rate liability in the domestic rental sector, which the current proposals are silent on.

 

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Money Matters, Regulation, Policy

In October 2016 the Financial Conduct Authority (FCA) announced it was consulting on new guidance on the treatment of customers with mortgage arrears.

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Regulation, Repossession, Policy, Affordability

Housing Rights Policy Response FCA's fair treatment of mortgage customers in payment shortfall

Housing Rights broadly welcomes the Financial Conduct Authority’s response to this issue, which aims to provide a framework which lenders can use to ensure ‘fair remediation for customers.’ We welcome the FCA’s characterisation of lenders’ practices as ‘automatic capitalisation’, leading to customers making overpayments, and the recognition that this may have led to unfair customer outcomes. Housing Rights also welcomes the FCA’s statement that they ‘expect firms to put this right, and ensure the practice ceases.’

Housing Rights is pleased to offer several further comments on particular aspects of the proposed guidance framework, with the aim of ensuring that the framework fully provides fair remediation for affected customers.

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Regulation, Repossession, Policy, Affordability

Local advice charity, Housing Rights, has welcomed the launch of Department for Communities (DFC) proposals around the Private Rented Sector. The charity has been calling for better regulation of the sector for many years.

One in five local households now rent their home.  Last year the charity helped people deal with over 2,500 issues related to renting privately.

Kate McCauley, Policy Manager with Housing Rights commented: 

Housing Rights Consultation Response to the Programme for Government consultation & comments on the Delivery Plan for indicators 8 and 48

Housing Rights offers comments on the draft Programme for Government (PfG) (see particularly paragraphs 3-4) and the Delivery Plan for Indicators 8 and 48 (see particularly paragraphs 5-8) in this consultation response.

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Policy, NI Assembly

Housing Rights has responded to the consultation on the draft Programme for Government (PfG), and the Delivery Plan for PfG indicators 8 and 48. In our response, we highlighted the following key points:

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Policy, NI Assembly

The Department for Communities have released the 2015/16 Northern Ireland Housing Statistics. These statistics cover a broad range of areas including homelessness, rent levels, and trends in the owner-occupier sector.

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Research, Policy

Housing Rights Research Briefing on Affordability in the Private Rented Sector

This briefing presents the findings of available research into living in the PRS and considers: 

  • The households that currently live in the PRS 
  • The motivations for low-income households to rent privately 
  • The affordability issues private tenants face 
  • Property conditions and affordability in the PRS 

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Private Tenancies, Policy, Affordability

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