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When everyone has a home

Housing and debt helpline for Northern Ireland – 028 9024 5640

Policy & Research

Our policy work is based on the experiences of people who contact us for advice. We work on their behalf to secure positive changes to housing legislation, policy and practice in Northern Ireland. You can read more about what we are striving to achieve in the coming year by downloading our policy priorities.

Below, you will find copies of policy briefings, consultation responses and research papers that Housing Rights has produced recently.

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

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

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 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

Housing Right Briefing on Licensing in the Private Rented Sector

This briefing considers the need for increased landlord regulation in the private rented sector, examining the need for licensing, best practice experience elsewhere and concludes with key principles which should inform the development of any such proposals.

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Private Tenancies, Policy, Landlord

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