Social housing is becoming increasingly important in Scotland at a time of rising demand for affordable housing and constrained resources. Scottish local authorities and housing associations face significant challenges. Housing association turnover is increasing but surpluses have started to decline. The economic background is one of austerity. Terms on which loans are available are less favourable than in the past but a significant level of development is still taking place. The Scottish Government has passed the Housing (Scotland) Act 2014, reformed the Scottish Housing Regulator and is ending the ‘Right to Buy’. The Scottish Housing Regulator’s new approach emphasises ‘Value for Money’. The United Kingdom government has ‘reformed’ welfare with significant implications for Scottish tenants and landlords but some welfare powers have now been devolved to Scotland.This guide is designed for people who are not experts in housing finance, but who need to understand the basics and achieve an overview of what is going on in Scotland. It is suitable for housing managers, tenant representatives, councillors, board members and finance staff who have limited experience of social housing finance and others who realise that an understanding of social housing finance can place them at an advantage! It includes sections on:
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