How we are funded

We are financed through a mixture of earnings, grants towards the cost of providing new homes and loans.

We receive income from:

Our operating activities

  • Social housing rents
  • The sale of new homes we have developed (a mixture of shared ownership homes and outright sale)
  • Funding for care and support services. This comes from local authorities, health trusts, clinical commissioning groups, the Fair Chance Fund and the Big Lottery Fund
  • The sale of our existing properties through buying schemes. These include Right to Buy and staircasing. Staircasing happens in shared ownership properties, where customers buy more shares of their home.

Government grant funding

We receive government grant money to build new affordable housing. This is through Homes England, the Greater London Authority and the Scottish Government. This funding contributes to the development of new homes. Home Group meets the remaining costs.

Loan finance

Our external loan finance comes from a number of sources. These include banks, building societies, sector-specific funders and the capital markets. They provide both long-term loans and short-term revolving facilities.

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