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Historic $17 million Affordable Housing Land Trust Launched in Toronto

Habitat for Humanity GTA is pleased to announce the launch of a historic $17 million land trust seeded by Toronto developers to create new affordable housing for Toronto residents. The land trust is the result of a collaboration between Toronto development companies Capital Developments and Metropia, the City of Toronto, Habitat for Humanity GTA, St. Clare’s Multifaith homes, and community group Build a Better Bloor Dufferin.

“This is a remarkable win for affordable housing,” said Ene Underwood, CEO of Habitat for Humanity GTA. “It is an inspiring demonstration of how partnerships between government, the private sector, non-profit groups, and community residents can generate innovative solutions to achieve affordable housing.”

The Land Trust will initially be governed by Habitat for Humanity GTA and St. Clare’s, a non-profit housing provider that has supported local residents to advocate for affordable housing. “I expect this land trust to demonstrate the capacity of non-profits to respond to the City of Toronto’s housing crisis,” said Andrea Adams, Executive Director of St. Clare’s.

Capital Developments and Metropia will contribute $9 million in cash and will provide a further $8 million via an interest-free revolving loan that will be paid back in 10 years. The $17 million will be used to establish a non-profit land trust, $15 million of which will be leveraged to develop up to 180 new affordable housing units by a non-profit partnership. The remaining $2 million will be invested by the land trust to provide additional community space in the Bloor & Dufferin neighbourhood.

At least 50% of the funds are expected to be allocated within Toronto’s Ward 9 – Davenport in the neighbourhood of a 2,200 unit development planned at Bloor & Dufferin. In addition to the historic land trust, the developers will also provide a number of community benefits.

The plans include additional affordable housing in the development at Bloor & Dufferin. “As part of our Bloor Dufferin development, on-site, we are conveying to the city a full 8-storey rental residential building for affordable use; however, as companies committed to building communities in Toronto, we know our impact needs to extend beyond the edges of our properties,” said Todd Cowan, Co-Founder and Managing Partner of Capital Developments. “This was a clear opportunity – through affordable housing – for Capital Developments and its partner to give back to both the Bloor Dufferin neighbourhood and to the City of Toronto as a whole,” added Jordan Dermer, also Managing Partner and Co-Founder of Capital Developments.

“We know that a lack of affordable housing is a big challenge for Toronto,” said Howard Sokolowski, Chairman and CEO of Metropia. “As builders, we take our mission to provide housing seriously and are thrilled that this agreement will make such a big difference for people in need of stable housing across the City of Toronto.”

Councillor Ana Bailão, Deputy Mayor and the City’s Housing Advocate, expressed her strong support for the collaborative process that helped lead to this agreement.

“Finding new and innovative partnerships is critical for the City’s efforts to effectively address our housing needs and respond to local development pressures,” said Councillor Bailão. “I want to thank the developers, City staff, as well as my constituents and the housing providers for working collaboratively to find a solution that’s good for Ward 9 and good for the whole city. It has been a privilege to work closely with such a dedicated and committed group of stakeholders to meet this challenge and secure so much for the community and the City.”

Build a Better Bloor Dufferin (BBBD), a community organization that has long advocated for affordable housing and community space in the neighbourhood, played an important role in the development of the plans for the land trust.

“Today is a day for celebration,” said BBBD co-chair Maggie Hutcheson. “Since the beginning, our neighbourhood pushed for greater benefits for the community. We are proud our advocacy work has contributed to the outcome of a non-profit land trust, which will provide affordable housing for hundreds of Torontonians in the years to come. It shows that when the community is fully engaged and we set our sights high, we can do better.”

“We look forward to continuing to work with all the partners toward more equitable, inclusive development in our neighbourhood and our City,” added BBBD co-chair Emily Paradis.

Source: Globenewswire

GTBank, Access, Zenith Make World’s 100 Social Media Savvy Banks

GTBank, Zenith Bank Plc, Access Bank Plc, United Bank of Africa Plc, Stanbic IBTC Bank have made the Top 100 banks utilizing Twitter, facebook, and YouTube globally in third quarter (Q3) 2019.

The Top 100 list released by The Financial Brand, disclosed that while GTBank ranked 9th, Zenith, Access Bank, UBA and Stanbic IBTC emerged number 13, 28, 33, and 55 respectively on the list of global social media savvy banks in Q3’19.

Details: GTBank’s social media statistics reflected that it had 6.382million Facebook likes, 1.520 million Twitter followers, 20.708 million YouTube views.

Zenith Bank’s stats reflected 5.669 million Facebook Likes, 1.07million Twitter followers, 23.73million YouTube views. Access Bank and UBA recorded 2.61million (Facebook Likes), 405,647 (Twitter followers), 5.56 million (YouTube views) and 2.22million (Facebook likes), 397,429 (Twitter followers), and 5.10 million (YouTube views) respectively.

Stanbic IBTC Bank’s social media statistics reflected that the financial institution had 593,055 Facebook ‘Likes’, 240,555 Twitter followers and 8,676,407 YouTube videos, as at the end of Q3’19,

About Power 100: Launched in January 2013, the rankings break down the social media stats of retail financial institutions in English-speaking countries for the three major platforms Facebook, Twitter and YouTube.

This series of lists is based on a proprietary database encompassing hundreds of banks and credit unions in English-speaking countries around the world. Every year, The Financial Brand monitors roughly 2,000 banks and credit unions on Facebook and another 2,500 banks and credit unions on Twitter.

The list is made up of banks and credit unions, who are considered skillful at using major social media channels.

The criteria, which were adopted in adjudging Stanbic IBTC Bank as the 55th in the list of global banks include Facebook ‘Likes’, Twitter followers, most tweets sent, most Twitter accounts followed, most YouTube video views and most YouTube subscribers
The Financial Brand created the Power 100 database with the hope that it would help bank and credit union marketers more effectively evaluate their social media efforts. The “Top 100” lists should help those in the financial industry identify and analyze institutions that are likely to represent the best social media practices out there today.

How is the Power 100 “Total Score” calculated?
These rankings are based on a score calculated:

  • 1 point for every 1,500 Facebook ‘Likes’
  • 1 point for every 500 Twitter followers
  • 1 point for every 1,000 tweets sent
  • 1 point for every 15,000 YouTube video views

Source: Nairametrics

BREAKING: CBN MPC Holds Interest Rate at 13.5%, Says Increased Inflation Was Expected

The monetary committee of the Central Bank of Nigeria (CBN) has announced its decision to maintain the monetary policy rate (MPR), which measures interest rate at 13.5%.

Addressing journalists on Tuesday after the committee’s two-day meeting, Godwin Emefiele, the CBN governor, said the upward movement in inflation was expected.

Saying the decision was made to protect prices, Emefiele said the cash reserve ratio (CRR) will be retained at 22.5%, liquidity ratio at 30% and asymmetric corridor at +200 -500 basis point.

More to follow…

Source: TheCable

Investment Inflows into Nigeria Drop 7.8% in Q3 2019

Nigeria recorded a decrease in its total capital importation in the third quarter of 2019 as the amount of investment inflows into the country stood at $5.4 million, 7.8 percent lower from the second quarter of this year, $5.8 billion, but 87.9 percent higher than the Q3, 2018 figures.

In a report released on Monday morning by the National Bureau of Statistics (NBS), it was stated that the largest percentage of the third quarter capital importation came from the portfolio investment, accounting for 55.9 percent or $2.99 billion.

This was followed by Other Investment with 40.4 percent or $2.17 billion, while Foreign Direct Investment (FDI) accounted for the remaining 3.73 percent or $200.08 million.

It was further revealed that the foreign portfolio investment of $2.99 billion had the highest input from its money market instruments, which brought in $2.55 billion of total investment. Equity followed with $358.2 million, while bonds made up $91.6 million.

A breakdown of the $2.17 billion realized from other investment saw loans accounting for $1.8 billion, while other claims amounted to the remaining $393.1 million. The country’s trade credits and currency deposits were not on record.

For the FDI of $200.08 million, a total of $196.4 million in equity with other capital amounting to  $3.7 million gave the overall figure for the category.

Looking at the channels these investments came into Nigeria, as usual, the banking sector dominated the third quarter as it reached $1.7 billion of the $5.4 billion. It was followed by the financing and the telecommunications sector which accounted for 27.5 percent and 16.5 percent respectively.

The United Kingdom emerged as Nigeria’s top source of capital investment in Q3 2019 with $2.0 billion accounting for 37.5 percent, followed by the United States which brought in $1.2 billion and South Africa at $708.8 million of the total capital inflows.

In terms of destination, Lagos State was the top destination of capital investment in Nigeria in the period under review with $4.9 billion at 92.7 percent of the total capital inflow. Ogun State followed with a total of $7 million while Oyo State stood at $1.7 million.

By banks, Stanbic IBTC Bank Plc emerged at the top of capital investment in Nigeria with $1.6 billion (30.4 percent), while Ecobank followed with $754.4 million, and Standard Chartered followed with $502.5 million of the total capital inflow in Q3 2019.

Source: Business Post

How to Force Google to Automatically Delete the Information it Saves About What You Do Online

Google has begun rolling out a feature that allows you to configure how long it can save data from all of the Google services you use, like maps, search and everything you do online.

Until now, you had to manually delete this data or turn it off entirely. Deleting it means Google doesn’t always have enough information about you to make recommendations on what it thinks you’ll like, or where you might want to go.

Now, you can tell Google to automatically delete personal information after three months or 18 months. Here’s how you can do that.

  • Visit myaccount.google.com and log in if you haven’t already.
  • Choose “Data & Personalization” on the left-side panel.
  • Select the arrow next to “Web & App Activity.”
  • Choose “Manage Activity.”
  • Select “Choose to delete automatically.”
  • Select either 18 months or three months.
Choose how long you want Google to keep your information before it’s automatically deleted.
Google

I recommend selecting three months, since providing as little information as possible is probably the best for privacy. But Google’s activity page says this: “The activity you keep can improve your experience anywhere you use your Google Account. What you search, read and watch can work together to help you get things done faster, discover new content and pick up where you left off.”

Google said Tuesday it will expand these controls to make them easier to find inside of its apps. But for now, this is the quickest and easiest way to manage your privacy. Also, Google said it will roll out similar controls this week for how it tracks your location, so look for that soon.

Source: CNBC

Why Real Estate Auctions are Failing in Nigeria

Efforts by real estate professionals, government agencies and developers to use auctions as an alternative method for disposal of properties may have hit rocks, as recent events show that it’s yet to gain prominence in the industry.

The trend began in the 70s in the United States and others, when some developers found auctions as an effective way to sell a property quickly without incurring large carrying costs. This method was adopted following severe declines in real estate prices and for the property involved in foreclosure and bankruptcy.

With its popularity in other climes, real estate auctions have therefore overshadowed the traditional channels of searching real estate listings and working with real estate agents.

But the culture is still at its lower ebb in Nigeria despite being a big industry, as many prospective buyers still prefer consultation with the traditional real estate agents in their quest for property acquisitions.

The Guardian investigation revealed that the inertia towards real estate auctions is connected to the generally held distrust, lack of credibility and the opinion that such platforms are often used to sell distressed properties.

Speaking on the development, the chairman faculty of auctioneering, Nigerian Institution of Estate Surveyors and Valuers (NIESV), Tope Yinka Ojo disclosed that a major militating factor against real estate auctions is lack of a clear cut regulation on auctioneering, despite the existence of different bodies, association and institutes acting as auctioneers.

He explains, “Lagos state actually has an auctioneering bill that gives anybody that wants to practice as an auctioneer the right to practice in the state to register and obtain the license, but the regulatory framework is weak.

“In some other states anybody could just work into the local government and pay a little amount to collect the auctioneering license and that’s what goes on. It’s a big industry that has a lot of potentials if well regulated in Nigeria but it’s just coming up.

“ In an auction, you see the way bidding is done and those winning the bid. Also in auctions, you need to know the realistic worth of your property with regards to the market value. If you put a property in the market and you overpriced it, the market will respond that you are not getting the bid and if you under price the market would put it up against itself. We need to engage the higher institutions on the teaching of auctioneering as a course, building capacity in that regards through training on the techniques, creating awareness between government, and the private sectors to know the value auctioneering could bring to the economy,” he said.

A developer who pleaded anonymity told The Guardian that most buyers are concerned that property auctions are sometimes fraught with challenges for sellers.

He explained that some already built up properties could be inundated with cracked walls, lands could have litigation challenges, properties could have been neglected and may have stood empty for several years, deteriorating building exterior, sagging or curving roof, which could indicate a problem with the structure and old windows that need complete replacement.

“ It is true that auctions are not really working in Nigeria mostly due to lack of credibility in the system. Most of the problems can only be spotted if you actually have the opportunity to view the property where it is located. It’s never a good idea to buy a property without first conducting thorough viewing.

“The costs of rectifying it, if there are issues could run into millions and the problems with properties are rarely unsolvable. It is advised to get a professional surveyor’s advice on the building ahead of the auction”, the source stated.

“Also the owners may not have been able to afford upkeep or maintenance expenses on the property, so it could need major repairs. Visiting the property before the auction will give you a better understanding of what you are bidding on and what needs to be fixed.

“The knowledge of the value of the property against similar properties in the area is necessary to ensure you are bidding within the market price range. Additionally, there is the possibility that you might be dealing with a different pool of potential buyers who are experienced investors and so competition could be higher”, the expert said.

In his contributions, another private developer, Mr. Femi Beecroft said the problem is not about the industry, but the Nigerian market, which is not very educated on financial products and the fact that the Nigerian real estate sector is not that deep to accommodate such property acquisition option.

Source: The Guardian

Mortgage Rates Drop, Home Construction Rises As Housing Market ‘Gains Momentum’

Our 2020 real estate outlook forecasts a New Year filled with low mortgage rates, tight inventory, and rising home prices—and the latest data seems to support just that.

Freddie Mac’s chief economist Sam Khater sums it up best saying, “The housing market continues to steadily gain momentum with rising homebuyer demand and increased construction due to the strong job market, ebullient market sentiment and low mortgage rates … the improving real estate market will support economic growth heading into next year.”

Here’s a look at how real estate is faring as we head into the holidays:

Mortgage rates dropped.

Mortgage rates dropped to 3.66% this week—down from 3.75% last week and 4.81% a year ago, according to Freddie Mac. On 15-year fixed-rate loans, rates hit 3.15%, down from 4.24% this time last year.

Despite the slide, mortgage activity actually declined for the week. According to the Mortgage Bankers Association, purchase loan applications dipped 14% over the week, while refinancing activity slipped 8%.

Existing home sales increased.

The National Association of Realtors released its existing home sales numbers this week, and the news was good. Total sales—which include single-family homes, condos, townhomes and co-ops—rose 1.9% for the month and 4.6% over the year.

Those were only national numbers, though. Regionally, existing home sales only jumped in the South and Midwest. Sales fell in the Northeast and West. The number of first-time homebuyers also fell, according to the stats. First-timers accounted for just 31% of existing home sales in October.

Refinances accounted for more than half of all mortgages.

Though refinances actually dropped for the week, they were still 152% higher than a year ago, according to MBA. And in October? They accounted for a whopping 51% of all mortgage loans originated. That’s according to mortgage technology provider Ellie Mae, who reported the news on Wednesday. It’s the highest share of refinance activity since March 2015.

Ellie Mae’s CEO Jonathan Corr calls it “proof that homeowners are taking advantage of the opportunity to lock in lower rates.”

Overall housing inventory slipped.

According to the National Housing Report from real estate brokerage RE/MAX, housing inventory dropped to 3.1 months in October, marking a 9% year-over-year decline. A six-month supply of homes indicates a balanced market, so the news could indicate a seller’s market is on its way.

As RE/MAX CEO Adam Contos puts it, “Demand is strong, due in part to low interest rates, but buyers have limited options because inventory remains such a challenge. As a result, prices keep rising.”

Construction numbers saw a boost.

The Census Bureau released its monthly residential construction report on Tuesday, and it seems more inventory may be on the way for 2020. Single-family building permits were up 3.2% over the year, hitting their highest point since 2007. Permits saw the biggest jump in the South and Northeast.

Single-family housing starts were also up, with an increase of 2% over the year. According to Lawrence Yun, chief economist for NAR, the numbers spell good news for homebuyers.

“The issuance of more housing permits is a very positive sign and a good step toward more inventory,” Yun said. “In order to better counter and even slow the increase in housing prices, home builders will have to bring additional homes on the market.”

Americans logged the lowest migration rate on record.

The number of Americans moving has dropped to its lowest point since 1947, according to data released from the Census this week. The Bureau’s Wednesday report shows that just 9.8% of the population moved in the last year, compared with about 15% in the early 2000s.

This comes on the back of a recent analysis from Redfin, which shows homeowners staying put for a whopping 13 years, on average. In places like Salt Lake City, Houston, and Fort Worth, Texas, they’re staying put 20 years-plus.

Single-family rents jumped.

Rent prices on single-family homes increased 3.2% over the year in October, with some cities logging jumps more than double that amount. According to property data firm CoreLogic, the most significant increases were seen on the lower end of the price spectrum.

Phoenix saw the biggest jump in single-family rent prices with a 6.7% uptick. It was the 10th straight month Phoenix took the honor. Other cities with big jumps in single-family rents included Las Vegas (+5.8%), Seattle (5.5%), and Tucson, Arizona (+4.6%).

Source: Forbes

Does Labour’s Manifesto Mark a New Dawn for Social Housing?

Everyone in social housing should welcome the long overdue pledge in the Labour Party’s manifesto to invest in genuine social housing again.

A promise to build 150,000 social homes a year within five years is music to my ears as it appears to reflect the figures that appeared in the first and second reports from Social Housing Under Threat (SHOUT).

This is not surprising as John Healey, now shadow housing secretary, was instrumental in the setting up of SHOUT when he criticised the housing sector for its lack of challenge to the coalition government in 2013/2014. He has also been a strong supporter of our work.

Some will wonder why it is proposed that 100,000 social homes per year will be delivered by councils and the rest by housing associations. The answer probably lies in Labour’s philosophy of public ownership and in the lack of trust in some housing associations.

This lack of trust and accountability has been identified in a number of recent sector reports.

I also believe that some Labour politicians feel that the sector had a too cosy a relationship with the Conservative government, especially over the so-called Voluntary Right to Buy and its initial impact on local authorities.

If Labour does come to power, there is some bridge building to be done here to regain confidence and trust.

There are many hurdles to overcome before this pledge becomes a reality.

The first is that Labour needs to be in government on 13 December. This is crucial because at the moment the offers from the Liberal Democrats and Conservatives fall well short of what the sector is asking for and more importantly what is needed to overcome the housing crisis.

The second is to rebuild the capacity to deliver such an ambitious programme.

It will not be easy but it has been done before in the post-war period.

“The question should not be ‘can we afford it?’ but ‘can we afford not to do it?’ The social and financial cost of doing nothing will become catastrophic to the fabric of our society”

Some will ask how we will pay the estimated £75bn required to fund the programme? The answer is the investment will pay for itself as the reports from SHOUT, as well as more recent ones from Shelter and others, have shown.

The question should not be ‘can we afford it?’ but ‘can we afford not to do it?’ The social and financial cost of doing nothing will become catastrophic to the fabric of our society. It is simple: building homes people can genuinely afford saves money and lives.

There are other issues relating to quality, standards and the availability of land and labour. What will happen to the Right to Buy in all of its forms? How will truly affordable rents be set? Will power be shared with employees and tenants as proposed in other sectors? And will excessive executive salaries be controlled as part of the package?

Yes, the proposals raise many challenges, but everyone who believes in the true value of social housing, whoever owns, builds or manages it, should welcome the possibility of a new dawn for housing.

Source: InsideHousing

2019 Conference On Land Policy in Africa – Why It Matters for the Continent, By Cosmas Milton Ochieng

Cosmas Milton Ochieng, an expert in natural resource governance and economic development in Africa, is the Director of the African Natural Resource Centre at the African Development Bank.

In collaboration with the African Union Commission and the United Nations Economic Commission for Africa, the African Development Bank will host the 3rd Edition of the Conference on Land Policy in Africa in Abidjan from 25 to 29 November 2019.

In this interview, Ochieng shares key insights into why the conference matters for Africa.

Why does the 2019 Conference on Land Policy in Africa matter?

This conference matters for Africa because land is central to social, economic and political development in Africa. Land in Africa is not simply an economic or an environmental asset. It is also a social and cultural resource. It was at the heart of many anti-colonial movements on the continent. It remains an important factor in the construction of social identity and the organization of the religious, cultural and economic lives of many African communities.

Africa is home to 60 percent of the world’s unutilized but potentially available cropland. In 30 years, about half the world’s agricultural land will come from Africa. How Africa manages its land is therefore critical to its future social, economic and environmental well-being.

This conference explores the ways in which Africa can harness its land resources for its accelerated sustainable development.

What is the role of the African Development Bank and how can it help enhance transparency and accountability in land governance?

The African Development Bank is a co-founding anchor of the African Land Policy Centre (ALPC). The ALPC is a joint initiative of the African Development Bank, the African Union Commission (AUC) and the UN Economic Commission for Africa (ECA). The ALPC facilitates and coordinates the implementation of policy goals outlined in the AU Agenda on Land. The biennial land conference is one of the flagship activities of the ALPC.

In addition to its technical support to the ALPC, the African Development Bank supports the implementation of the African Union Agenda on sound land administration, management and governance, including transparency and accountability through the work of its various departments.

The African Development Bank, through its Ten-year Strategy (2013-2022) and its High 5 priorities, invests in its regional member countries to help maximize development outcomes derived from land.

The Bank also provides independent advice and technical assistance to countries to ensure sustainable development and management of land.

For instance, the African Natural Resources Centre at the Bank generates knowledge and provides institutional capacity building and strategic guidance on land administration and governance, investment and planning. Over the last five years, the African Natural Resources Centre has worked very closely with the government of Liberia to help the build capacity of the Liberia Land Commission, and to help review the National Land Rights Policy and the Alternate Dispute Resolution Mechanism. In Togo, the African Natural Resources Centre worked with the government to help facilitate a national dialogue on the country’s draft land policy and codes.

In Botswana, Rwanda, Malawi, Burundi, Tanzania, Kenya, Cameroon, Nigeria, Côte d’Ivoire and Senegal, the African Natural Resources Centre has conducted studies aimed at informing the review of land tenure systems. In the Democratic Republic of Congo, the African Natural Resources Centre has just initiated a pilot project on Farmer Registration and Land Digitalization (FRLD). The Farmer Registration and Land Digitalization Model was developed by the Bank’s own Statistics Department and seeks to enhance land registration, transparency and accountability.

How does the theme of the conference align with the African Union Declaration of 2018 as Africa’s Anti-Corruption Year?

The theme of this year’s Conference on Land Policy in Africa is “Winning the fight against corruption in the land sector in Africa”. This theme supports the AU designation of 2018 as the year of anti-corruption.

This theme also highlights the Bank’s commitment to sound governance, transparency and accountability in African natural resource governance and is consistent with the Bank’s governance policy and work on combating corruption and illicit trade in the African natural resource sector.

What are the expectations for this year’s conference?

This year’s conference seeks to enhance commitment to capacity strengthening for land policy development and administration in Africa through improved access to knowledge on combatting corruption in the land sector. The conference also seeks to enhance partnerships and networks and to mobilize resources for promoting good governance in the African land sector.

Source: AllAfrica

Liberal Democrats Pledge to Build 100,000 Homes for Social Rent Each Year

The Liberal Democrats have pledged to build 300,000 homes per year, of which 100,000 would be for social rent, if they are elected in the upcoming general election.

The commitment, included in the party’s election manifesto, is part of a £130bn capital infrastructure budget, which will also see investments in public transport, broadband, schools and hospitals.

Released today, the manifesto includes a pledge to introduce a new Rent to Own model for social housing, through which tenants would gain an increasing stake in their property through renting, which would allow them to own it outright after 30 years.

The party has also committed to ensuring all new homes and non-domestic buildings are built to a zero-carbon standard by 2021, rising to a more ambitious Passivhaus standard by 2025.

A Liberal Democrats government would also pledge to end rough sleeping by 2025, two years earlier than the current government’s 2027 target, the manifesto has pledged.

Other housing policies in the Liberal Democrats’ manifesto include:

  • Cut energy bills, end fuel poverty by 2025 and reduce emissions from buildings by providing free retrofits for low-income homes, piloting a new energy-saving homes scheme, graduating stamp duty land tax by the energy rating of the property and reducing VAT on home insulation.
  • Devolve full control of Right to Buy to local councils.
  • Urgently publish a cross-Whitehall plan to end all forms of homelessness.
  • Legislate for longer-term tenancies and limits on annual rent increases.
  • Allow local authorities to increase council tax by up to 500% where homes are being bought as second homes, with a stamp duty surcharge on overseas residents purchasing such properties.
  • Help young people into the private rental market by establishing a new Help to Rent scheme to provide government-backed tenancy deposit loans for all first-time renters under 30.

The Liberal Democrats manifesto comes as the Labour Party announced plans to build 100,000 council homes and 50,000 “genuinely affordable homes” via housing associations per year, within five years.

Latest government figures, released today, show that 57,485 affordable homes were built in England last year, of which 6,287 were for social rent.

The Conservative Party has yet to publish its manifesto, but is expected to next week.

Source: InsideHousing

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