The recent NHS pay rise has catapulted the issue of aﬀordable housing for emergency workers into the spotlight once more, and Step Forward Homes reports a rising demand for aﬀordable homes from veterans and 999 workers.
The rise of at least 6.5% over three years is no doubt welcome news but is still unlikely to keep up with inﬂation – or aﬀording property.
Like many key workers, 999 staﬀ have found their salaries increasingly insuﬃcient when it comes to saving up a deposit or applying for a mortgage. One impact of this is that many of those workers are being pushed to live further and further from their place of work, as they seek out the few homes that they can still aﬀord. According to MPS ﬁgures for 2015, 54% of ‘blue light’ emergency services workers in the capital no longer live within London.
The excessive travel required can result in an increase in stress, which in turn leads to rising sickness levels. Stress and other mental health issues can have a major impact on productivity. Despite having 1,275 fewer oﬃcers than in 2010/11, the Metropolitan Police in 2016/17 saw a staggering 72% rise in the number of sick days taken due to psychological health issues.
“Armed Forces personnel and 999 workers in the UK are being increasingly left behind when it comes to aﬀordable accommodation… that’s why Step Forward Homes is continuing to build new homes to rent and buy for our current and former Armed Forces personnel and ﬁrst responders…”
Mental health problems are also a concern for the UK’s Armed Forces. Ministry of Defence ﬁgures show that an average of seven troops are discharged daily due to health problems. In the year to October 2017, 2,526 troops were discharged on medical grounds the highest rate for three years. Aﬀordable housing is an issue for ex-Forces personnel, just as it is for emergency workers. In 2012, all 407 local authorities signed up to the Armed Forces Covenant and Community Covenant, which were designed to ensure that those coming out of the Armed Forces should take priority when it came to aﬀordable housing. However, the Department of Communities and Local Government does not monitor the number of veterans who receive housing in the UK, making it hard to assess the policy’s impact.
Research on the accommodation and housing-related support needs of single veterans in Britain undertaken by the Centre for Housing Policy at the University of York in 2013 found that ex-Forces personnel faced particular issues in terms of buying their own homes. The problem continues to this day. Innovative not-for-proﬁt housing company Step Forward RP Ltd is working with Britain’s Armed Forces and emergency services personnel in order to deliver a fresh approach to aﬀordable housing. The company deals daily with those facing increasing diﬃculties in their eﬀorts to ﬁnd aﬀordable accommodation, either to rent or to buy.
“Armed Forces personnel and 999 workers in the UK are being increasingly left behind when it comes to aﬀordable accommodation,”
explained Chris Metcalf, Sales & Marketing Director, Step Forward Homes.
“That’s why Step Forward Homes is continuing to build new homes to rent and buy for our current and former Armed Forces personnel and ﬁrst responders. The number of aﬀordable homes isn’t yet where it needs to be and we need to do all we can to ensure that aﬀordable provision increases as rapidly as possible.”
Step Forward Homes oﬀers shared ownership homes for those looking to buy, and accommodation with rents set 20% below market value for those who want to rent. The company serves clients in the North West of England, working in partnership with housing associations in order to ensure that local key workers’ needs are met.
With inﬂation continuing to outpace salaries in the UK, the issue of aﬀordable housing continues to grow. The Savills Housing Sector Survey highlights the need for new homes from a much wider range of sources, as well as a broader range of tenures. Providing aﬀordable housing requires new ways of thinking about funding models. 43% of those whom Savills surveyed said they needed to change their ﬁnancial structure in order to facilitate development. Step Forward Homes has done this by working with institutional investors.
“Providing aﬀordable housing means thinking outside the box,” added Chris. “It’s about taking a fresh look at what we can achieve without placing further pressure on the UK’s taxpayers. That’s why our funding model doesn’t rely on grants or government funding at any stage. There are ways to provide aﬀordable housing that works for all concerned – we just need to be proactive about doing so. That way, we can build a better future for everyone.”
This article was written by Housing Association Magazine. You can read the full story here.