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How we are regulated

How we are funded

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

Image: How we are funded

Our earnings come from:

Social housing rents

  • Income from the sale of the new properties we develop. These are a mixture of shared ownership properties, and the sale of entire properties (outright sales).
  • Government grants given to local authorities to fund many of our care and support services, which help vulnerable people live independently.
  • Funding for care and support services from health trusts, clinical commissioning groups, the Fair Chance Fund and the Big Lottery Fund.
  • From the sale of our existing property assets through schemes like Right to Buy and by customers in shared ownership properties buying more of a share of the house they own (called staircasing).

Grants towards the cost of building new homes

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

Loan finance

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

All of the surplus that we make is invested in:

  • Building much-needed new homes for the UK
  • Improving the quality of our existing homes
  • Providing new and improved products and services for our customers

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