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Affordable Housing meaning

What does Affordable Housing mean?
Affordable housing describes homes let or sold below open‑market terms to households whose needs are not met by the market, typically secured through planning control or public subsidy. England: A policy term defined in the nppf (Annex 2) and Planning Practice Guidance. It includes affordable housing for rent (covering social rent and affordable rent), discounted market sale housing (including First Homes), and other affordable routes to home ownership (for example, shared ownership). Delivery is usually governed by Local Plan policies and secured by section 106 agreements under the Town and Country Planning Act 1990. The former “Starter Homes” policy is not in current delivery practice. Wales: Defined in Planning Policy Wales and TAN 2 as social rented and intermediate housing affordable to those whose needs are not met by the market, commonly secured by section 106 obligations. Scotland: Recognised in National Planning Framework 4 and Scottish Government guidance to include social rent, mid‑market rent and affordable home ownership, often secured by Section 75 obligations under the Town and Country Planning (Scotland) Act 1997. Northern Ireland: Used in the SPPS and Department for Communities guidance, with provision via registered housing associations and section 76 planning agreements under the Planning Act (Northern Ireland) 2011. Ireland:...
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View the related News about Affordable Housing

NEWS
EU cross‑sector legal and regulatory updates: infringement package, consultations, Parliament positions, and developments in financial services, energy, environment, life sciences and AI (9 October 2025)

In this issue: EU fundamentals Commercial Competition and state aid Corporate Free movement, immigration and employment Financial services Energy Environment Life sciences Regulatory TMT Daily and weekly news alerts New and updated content Trackers EU fundamentals European Commission releases October 2025 infringement package The European Commission has unveiled its October 2025 infringement package, identifying the EU Member States facing proceedings for breaches of obligations arising under EU law. The dossier covers letters of formal notice, reasoned opinions, and referrals to the Court of Justice addressed to Belgium, Malta, Estonia, Austria, Poland, Portugal, the Netherlands and a number of additional countries. Actions relate to multiple instruments and rules, notably Directive 1999/31/EC (Landfill Directive), Directive (EU) 2020/2184 (Drinking Water Directive), and Directive 2011/92/EU (Environmental Impact Assessment (EIA) Directive), among related matters. See: LNB News 08/10/2025 39. ...

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NEWS
CMA clears GBT/CWT at Phase 2; Phase 1 clearances for William Grant & Sons and Bidvest; SAU advice on Welsh affordable housing—UK competition update (6 March 2025)

Mergers The CMA has given unconditional approval to the Global Business Travel Group and CWT Holdings merger following a detailed phase 2 probe. It has published its final report from the second-phase review of the expected purchase by Global Business Travel, Inc (GBT) of CWT Holdings, LLC (CWT). GBT is a travel management company (TMC) providing business travel agency (BTA) offerings, delivering on- and offline travel management across search, reservations and expense control, within the UK and worldwide...

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NEWS
Local Government weekly (England and Wales): housing case law (HMO, allocation, succession, covenant), TRO JR dismissed, academic freedom duties, CQC enforcement, Welsh smoke control, AHP bridge funding—7 August 2025

In this issue: Social housing Highways Education Children's social care Social care Environmental law and climate change LexTalk®Local Government: a Lexis®Nexis community Daily and weekly news alerts New and updated content Social housing When is a residential letting agent not a person managing a licensable HMO? When it is a ‘let-only’ arrangement (Cetin v Epping Forest DC) An appeal before the Upper Tribunal in Cetin v Epping Forest District Council determined that a residential letting agent engaged on a ‘let only’ basis to let a single room in an HMO, who collects one instalment of rent on the day the letting is agreed and then has no further role, is not a ‘person managing’ the HMO for the purposes of section 263(3) of the Housing Act 2004. Accordingly, the agent does not assume the statutory obligations linked to HMO licensing and management, and is not at risk of criminal or civil penalties for any...

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View the related Practice Notes about Affordable Housing

PRACTICE NOTES
Local housing need and five-year supply under the NPPF: 2024 Standard Method, deliverability, buffers, HDT, tilted balance and key case law (England)

The policy background In 2012, the first edition of the National Planning Policy Framework (2012 NPPF) took effect in England. It obliged local planning authorities (LPAs), among other things, to plan to meet the full, objectively assessed requirement for both market and affordable homes within their boundaries. They were expected to use their evidence base so the Local Plan met the full, objectively assessed housing need across the housing market area, insofar as this aligned with the Framework’s policies, and to identify key sites critical to delivering the housing strategy over the plan period. This represented a significant change in policy—previously there was no obligation to assess needs objectively with a view to planning to meet them. The purpose of this shift was to boost significantly the supply of housing (para 47 of the 2012 NPPF). For further detail on the treatment of housing needs in the 2012 NPPF, see the archived Practice Note: Objectively assessed need and housing land supply in the 2012 NPPF [Archived]...

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PRACTICE NOTES
England: Proposed Infrastructure Levy replacing CIL/section 106—framework and operation under LURA 2023 (not implemented) [Archived]

ARCHIVED: This Practice Note has been archived and is no longer maintained. In a July 2024 consultation on revisions to national planning policy, the government stated it would not take forward the infrastructure levy. Consequently, this Practice Note is archived and is not being updated. What is the infrastructure levy? The infrastructure levy (IL) was designed to reshape the system of developer contributions in England, replacing contributions made via planning obligations under section 106 of the Town and Country Planning Act 1990 (TCPA 1990) and the community infrastructure levy (CIL) with a compulsory, more straightforward, locally set charge on new development. The detailed operation of IL would be prescribed through regulations. The objective of IL is to ensure that the costs of supporting an area’s development are met, at least in part, by landowners or developers, without rendering development in that area economically unviable. Part 4 and Schedule 12 to the Levelling-up and Regeneration Act 2023 (LURA 2023) establish the overarching framework for IL. LURA 2023 received...

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PRACTICE NOTES
Shared ownership leases in England and Wales: eligibility, model lease fundamentals, rent and ground rent, staircasing, repairs, pre-emption, alienation, mortgagee protection, SDLT, enfranchisement and assured tenancy status

Shared Ownership (SO) Shared Ownership (SO) is a government-backed route intended to widen access to home ownership, predominantly for leasehold properties. Purchasers begin by buying a stake in their home and paying rent on the remaining share. They can then acquire additional slices of equity over time through staircasing, ultimately reaching full ownership at final staircasing. Although often called ‘part rent part buy’, a more accurate description is that the SO buyer holds an equity interest while renting under a lease. Across England, excluding Greater London, SO is delivered via Homes England (HE) funding programmes: for SO homes delivered 2016–21, under the Shared Ownership and Affordable Homes Programme 2016–21 (SOAHP 2016–21) since 1 April 2021, under the Affordable Homes Programme 2021–26 (AHP 2021–26) The rules and requirements governing SO are set out in Chapter 1 of HE’s Capital Funding Guide (CFG). Eligibility criteria be at least 18 years old have a household income of £80,000 a year...

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PRECEDENTS
Deed of Planning Obligation under Section 106 TCPA 1990 (England): Precedent covering financial contributions, section 278 Highways Act 1980 works, open space, affordable housing, public art and biodiversity net gain

This Agreement is entered into on [ insert date ] of [ insert month ] [ insert year ] by and between: [ insert name ], of [ insert address ] (' Council '); [ insert name ], of [ insert address ] (' County Council '); [ insert name ], a company duly incorporated and registered in [ insert details ] under number [ insert details ], whose registered office is at [ insert address ] (' Developer '); [ Additional parties as necessary eg owner, landlord, mortgagee, option holder etc. ] (' [ insert additional parties as necessary eg owner, landlord, mortgagee, option holder etc ] '). Recitals The Council is the local planning authority for the purposes of section 106 of the 1990 Act for the area within which the Land is situated and is the body by whom the obligations contained in this Deed are enforceable. The County Council is the local highway...

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PRECEDENTS
Section 106 Unilateral Undertaking Precedent (England and Wales) under the Town and Country Planning Act 1990: Affordable Housing Contribution and Planning Obligations

This Deed comprising a unilateral undertaking is hereby executed on [ insert day ] of [ insert month ] by: Parties [ insert name of developer ] of [ insert address ] (the Developer); and [ insert name of any additional parties as necessary eg owner, landlord, mortgagee, option holder etc ] of [ insert address of relevant party ] (the Owner/Landlord/Mortgagee etc) TO THE [ insert name ] COUNCIL of [ insert address of Council ] (the Council). BACKGROUND (A) The Council acts as the local planning authority for the purposes of s 106 of the 1990 Act for the area within which the Land lies. (B) [ Set out ownership particulars for the Land ]. (C) The Developer has lodged the Application with the Council and the Council has decided it will issue the Permission, conditional upon this Undertaking being completed. [ The Secretary of State has called in the Application for [ his/her...

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PRECEDENTS
Buyer’s legal charge to Seller over development land securing overage under an overage deed, with permitted disposal releases, enforcement, receiver and priority provisions (England and Wales)

Date [ date ] Parties [ name of Buyer ] [ of OR incorporated in England and Wales (company registration number [ number ]) whose registered office is at ] [ address ] (Buyer) [ name of Seller ] [ of OR incorporated in England and Wales (company registration number [ number ]) whose registered office is at ] [ address ] (Seller) 1 Definitions For this Deed, the terms set out below shall have the meanings assigned to them: [ Affordable Housing • [ social rent, affordable rent and intermediate subsidised homes provided to persons who are unable to rent or buy dwellings generally available on the open market OR carries the meaning attributed to that expression in Annex 2 of the National Planning Policy Framework presently current ] ; ] Competent Authority • any: (a) local council, highway authority, government department or any other authority, body or individual exercising powers under statute or by...

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