Latest News

Homeless at Christmas 09/18

September 5th, 2018

Whilst anything we do in this home building industry of ours helps the entire chain, the direct help and awareness people like James English focus upon is truly humbling such that you realise whatever we are doing, its falling well short of enough.

James English just giving page here

See James’ video here

Housing White Paper – 3/17

May 2nd, 2017

Issued as a Consultation White Paper in February 2017.

This White Paper recognises the need for a shift in policy to encourage and possibly legislate for an increase in house-building through a ‘Build to Rent’ (BTR) Programme. This programme of BTR further specifies that a proportion of these homes be available at an Affordable Private Rent (APR), as part of an affordable housing programme.

The policies being consulted on are changes to planning policy to promote the uptake of BTR by:

- Encouraging Local Authorities to plan proactively for BTR

- Facilitating APR as a form of affordable housing on BTR schemes in place of other types of affordable housing, together with the offer of longer, family friendly tenancies.’

Affordable Private Rent is where BTR schemes offer a proportion of homes available at a ‘Discounted Market Rent’, an emerging planning practice by some London boroughs. This would increase the supply of APR homes but still through a given level of discount allow developers to factor the cost into their calculations. The Government’s proposed terms for the provision of APR are a minimum of 20% of the homes at a minimum of 20% discount, provided in perpetuity.’

It is considered that, ‘a big advantage of APR is that by combining all of the market and discounted units into a single development under common control, without the separate involvement of a social landlord, efficiencies can be realised to improve financial viability.’ Further, ‘by pepper-potting the indistinguishable discounted homes throughout the scheme, there may also be a broader social benefit of creating a mixed and well integrated community within the development.

In its ‘summary impact’ the White Paper proposes that the effects of ‘the policies are expected to be an increase in the number of Build to Rent homes and an increase in the number of homes built for APR. It says that while it is difficult to give precise estimates of the numbers at this stage, in advance of receiving responses to this consultation, the British Property Federation estimates that around £15bn of capital has already entered this market. This has resulted in around 68,000 BTR homes across the UK and it estimates that approximately £50bn of further investment could enter in future.’

C4H welcomes this initiative as an extra tool in the planners’ toolbox to secure affordable housing.








Housing White Paper Link –


Latest Housing Supply Report 7/16

July 19th, 2016

Feels a bit like Deja Vu, though the report doesn’t seem to highlight how funding sources might be interested, tenure spread, or the need for the viability to work whilst producing ‘truly affordable’ housing.

Housing that only a few can afford is what the developers / local authorities will provide because at least then viability works.

I wonder how the circle can be squared?

See what you think….

‘Not For Profit’ Developer 2/16

February 5th, 2016

As we now include several investment options, Direct, via a fund or using indexed linked debt via chosen FCA fund managers’ involvement and oversight, we have revised the outline attached.

Please don’t hesitate to contact us if you have any queries.

Follow us on Twitter at: @Catalystforhome

or email us at:


Latest overview download

Gov to Merge 89 LA PF’s 10/15

October 6th, 2015

City Wire by Ollie Smith 5th Oct 2015

The government is to pool 89 existing local authority pension funds into six wealth funds in a bid to get more money invested in British infrastructure.

As part of a four-point plan to ‘get Britain building’ chancellor George Osborne (pictured) announced that existing 89 local authority pension funds would be pooled into six wealth funds, each with assets of over £25 billion.

The plan aims to change the way infrastructure projects are planned and funded.

By pooling the schemes into six wealth funds the government hopes to save millions of pounds annually in management costs and fees.

The Conservatives said the move would change the way pension savings are invested. The funds will follow international norms for investment, meaning larger sums being invested in infrastructure, the party said.

Currently, small local pension funds ‘lack the expertise’ to invest in infrastructure, the government said. Overall, across £180 billion of assets, only 0.5% is invested in such projects, it claimed.

To see how the UK’s local authority schemes are currently invested, click here.

In countries with larger pooled public pension funds, up to 8% of assets are in infrastructure and 17% are in housing and infrastructure, the government said.

Business rate revolution

The Conservative party also announced it would local councils to be in full control of business rates by 2020.

On the matter of giving local authorities the power to set and keep their own business rates, Osborne said that it was important for the government to live within its means, but that devolution reform was necessary.

‘Right now we have the merry-go-round of clawing back local taxes into the Treasury, and handing them out again in the form of a grant. In my view, proud cities and counties should not be forced to come to national government with a begging bowl.

‘So I am announcing… we’re going to allow local governments to keep the rates they collect from business. That’s right: all £26 billion of business rates.

‘Right now we collect much more in business rates than we give back in the main grant, so we will phase out this local government grant altogether, but well also give councils the power and responsibilities for running their communities. The established transfers will be there on day one, but thereafter all the real growth in revenue will be yours to keep.’

The uniform business rate will be abolished and any local area will be able to cut business rates as much as they like.

C4H comment

Will this provide a greater focus on UK Housing and particularly Social housing provision, when housing falls under the infrastructure investment heading?

We certainly hope so…

Strategic Partners in Woolwich 05/14

May 3rd, 2014


Willmott Dixon working with Walsh Associates (structural engineers) are delivering Woolwich Central, a huge Tesco development comprising an 80,000 sq ft superstore and 259 homes, in the heart of Woolwich.

Great to see our Strategic Partners building at scale.

Looks good guys.



GB Card joins the team 04/14

April 30th, 2014

Geoff Card photo

We’ve known Geoff a long time and its good to welcome a company with such depth and experience onto the team.

GB Card & Partners are a UK-based team of experts, working both nationally and internationally to provide solutions to complex problems in a variety of challenging terrains and social environments. As consulting engineers Geoff believes in providing pragmatic, sustainable solutions which consider the project budget and the impacts on the environment.

Dr Geoffrey B Card is an internationally recognised expert, having authored a number of key civil engineering papers as well as much of the UK guidance on ground gas and developing on landfill sites.

Geoff’s team includes in-house chartered experts in the fields of civil and environmental engineering, geotechnics, infrastructure, land and groundwater quality.

Place 4 Low Cost Housing – 03/14

April 26th, 2014

This Housing Forum inquiry into the future financing and delivery of low cost housing has, over the past six months, explored the context, current approaches and future models for provision against an increasing concern regarding affordability. This is largely focused on London and the South East where pressure is greatest but will be extended by The Housing Forum in 2014 through its theme “Building Homes for the Future” into a national study of housing markets.

What has become immediately clear is that we are in the midst of the most radical change in the way sub-market homes are provided since the creation of state supplied housing under Clem Atlee 70 years ago. The combination of Welfare Reform and funding principles embodied in the Affordable Housing Programme has created a new dynamic in the relationship between state, provider and occupant, while the impact of the global financial crash has applied a major brake on mortgage availability and prompted prohibitive deposit requirements for new entrants to the market. Moreover, while much attention has been given to the ‘squeezed middle’, there has been a serious decline in activity to support the needs of those who fall below this target group.

The Working Group believes that mixed income communities are the lifeblood of strong, sustainable communities. Our work has identified that, such are the complexities of the UK housing market, current changes in policy have the potential to effect dramatic impacts on those living in localities with high land and property values. It is for this reason that we are mainly concerned at this stage with London and the South East. Indeed, if the London property phenomenon continues as many predict, we may be witnessing the beginnings of a demographic shift in population based on economic circumstance that reverses the inward migration sparked by land enclosures in the eighteenth century. Such unintended consequences would have a profound impact on business, local economies, those in need of support from the low waged and importantly, those who provide services in locations to which those impacted migrate.


C4H Comment:

We welcomed the opportunity to contribute to this report (P35) and believe it makes a useful contribution to the housing delivery debate. We agree with the report that as many have said previously, “there’s no silver bullet” and that the issue need addressing on all fronts.

For us at C4H we believe this includes, a political will to target the needy, removing housing investment from the PSBR, getting councils building again and finding a solution to viability so that a greater investment flow can be attracted.

The security arrangements associated with your web browser may prevent you from downloading the report below. Please do not hesitate to contact us, as we would be pleased to email you a copy.

Housing Forum report cover mar 14

UK need 1.5M new homes

November 7th, 2013
Comment: At full tilt, pre-financial crisis, the existing housing industry couldn’t deliver 200,000 homes PA, so to achieve 300,000 homes PA today, new alternatively financed delivery routes need to be opened up.
We believe our low risk, early delivery chain investment  solution, that triggers new housing via a Community Interest Company (CIC) is one such route.
If you are an investor in social housing bonds, and want to access the possible yield upside from blending traditional PRS / Sales incomes with those bond type loans and want to trigger new housing. This solution is for you.
What an opportunity for investors…..
New build homes
November 7, 2013, 2:47am

Think tank calls for huge construction drive over next five years

THE NEXT government must commit to build 1.5m homes by 2020 to stem an emerging social and economic crisis, according to a report  released today.

Westminster think tank Policy Exchange has calculated that the UK desperately needs to build 300,000 houses every year between the next election and 2020, more than twice as many as were constructed during 2012-13.

Further research released this morning shows the scale of the challenge. PwC predicts that housing and utility prices will continue soaring upwards, and will take an increasing chunk of squeezed household incomes. By 2030, the firm’s researchers forecast that property and utilities will make up 30 per cent of household spending, up from 26 per cent during 2012. Only six year years ago, in 2007, the figure was as low as 21 per cent.

Yesterday, real estate firm Savills said that it expects the average UK house price to rise by a quarter over the next five years. The firm said that 50,000 homes a year need to be built in London to meet demand from a growing population, roughly twice the current rate.

Savills also projects that London renters will pay the biggest price for the chronic shortage of homes: mainstream London rents are expected to increase by 25.8 per cent by 2018. Mortgage lender Halifax also weighed in, saying that house prices across the country have already risen by 6.9 per cent between the three months to  October in 2012 and the same months this year.

All four reports add to the mounting evidence that the UK’s property market is heating up, with swelling demand and limited supply,  even as wages stagnate.

Halifax ascribed some of the surge in demand to chancellor George Osborne’s controversial Help to Buy scheme, in which the government guarantees riskier high loan-to-value mortgages.

Only 145,910 homes were built in 2011-12 according to DCLG, one of the lowest numbers in postwar history. Despite the dramatic shortfall of housing, official figures released yesterday by the Office for National Statistics expect that the UK’s population will grow by over six million within the next decade and a half, pushing past 70m in total in 2027. The UK population will hit 73m by 2037, up almost 10m on the 63.7m recorded in mid-2012.

Policy Exchange also said that increased property taxes are not the solution to the UK’s supply problem.

The research shows that the UK’s real estate taxes are more than twice as high when measured as a chunk of GDP than the average country in the Organisation for Economic Co-operation and Development.

Alex Morton, the think tank’s head of housing said: “Policymakers should ignore calls for a new round of property taxes, and instead commit to spreading the benefits of homeownership and stabilising the UK economy by building at least 1.5m new homes over the course of the next parliament. This means serious reform of the planning system and creating new ways to deliver housing.”

- See more at:

12 year Residential Inflation 08/13

July 31st, 2013

July 2013 – Our Non-exec Chairman, Adam Sampson and Andrew Pratt of CBRE presented to fifteen pension funds and an actuary regarding the case for investing in real estate.

We thought this graph produced by CBRE particularly interesting.


Download – 12 year Residential Inflation Profile .pdf