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Family homes funds set to boost cooperative housing market -MD

Abuja, May 2, 2019 (NAN) The Managing Director of Family Homes Fund, Mr Femi Adewole has said that the programme was set to boost cooperative housing through its rolled out funds.

Adewole made this known at a cooperative housing workshop organised by the Nigeria Integrated Social Housing (NISH), Affordable Housing Ltd in collaboration with Family Homes Funds, on Thursday in Abuja.

The News Agency of Nigeria (NAN) reports that the Family Homes Funds is a Social Housing Programme initiated by the Federal Government to provide inexpensive mortgages for low-income individuals and families across the country.

Under the Family Home Fund scheme, which is domiciled in the Ministry of Finance, civil servants who earn salary of 30,000 and above can have access to mortgages to own a home.

Adewole said that Family Homes Funds which was a special purpose vehicle for financial institutions was primarily to facilitate the production of about 500, 000 homes and over 1.5 million job creation.

“It is a very new fund and has been running effectively in the past nine months.

He said that the programme had four pillars of funds to achieve home ownership namely Affordable Housing Fund, Home Loans Assistance Funds, Rental Housing Fund and Land and Infrastructure Fund.

He said that the objectives of cooperative housing could be achieved by developing capabilities of the market with workshops to identify support for capacity base for set of cooperatives with set goals.

According to him, cooperatives in an organised sector can be transformational enablers of affordable housing delivery particularly to people on low and middle income.

“We can also achieve our objectives by identifying the capacity gaps that hinders cooperatives from playing central role in affordable housing delivery then strive to bridge them.

Adewole said that Nigeria could replicate what other housing cooperatives in other parts of the world were doing adding that Urban Housing Cooperative in India owned about 4.5 million homes between them over the last 10 years

We must make the cooperatives very strong vehicles for reliable and affordable housing delivery in the country.

He further said that there were about 2,600 Housing Cooperatives in Pakistan with inception since 1972 produced about 27 million homes strong membership while there were 5,700 housing cooperatives in Zimbabwe of with significant number of members as women.

According to him, the housing cooperative is only responsible for almost 80 per cent of housing delivery in Zimbabwe

Speaking on the consistent failure in meeting the housing needs target, he said that any housing policy before the Shagari 1979 housing policy has failed to deliver anything more than10 per cent of the intended policy.
Mr Benson Iyohmere, Former Managing Director, Police Mortgage Bank in an address also underscored the role of cooperatives in affordable housing delivery.
Iyohmere said that since government could not adequately provide direct housing to people in need of shelter, cooperative housing should be the alternative means.
He said that one of the reasons why Federal Mortgage Bank of Nigeria (FMBN) could not reach out to many workers was because of non-remittance of the National Housing Fund (NHF) contributions by some employers.

Iyohmere added that FMBN was presently dwelling on Cooperative Development Loan and had seized dwelling on Estate Development Loan due to defaulters.

According to him, Nigerians should come together to pool resources through cooperative means to achieve affordable housing.

He listed some challenges of housing cooperatives in housing delivery as low income, high interest rate, lack of access to land and government mortgage documentation requirement.

He further said that dearth of long-term funding and high cost of land titling and acquisition including government consent hindered development adding that without these there would be no development.

“These are major issues that affect construction and governments need to make the process seamless for development by developers. For every mortgage documentation there must also be an underwriting standard.

Iyohmere however listed key cooperative principles which Family Home Funds would use to appraise request of cooperative societies.

He listed the seven key principles as voluntary and open membership, democratic member control, economic participation, autonomy and independence, education, training and information, coperation among cooperatives and a concern for community.

Dr Peter Kuroshi, Registrar, Council of Registered Builders of Nigeria (CORBON) decried the challenges hindering housing delivery in the country hence underscored the need for regulation in the sector.

Kuroshi said that apart from affordability quality and standardisation should be encouraged in housing construction value chain.
“Most cooperatives are committed to housing projects not knowing precisely what it entails in terms of standardisation in building process and cooperative profit management,’’ he said.
“After procuring, you will incur cost to get them to the level you will be satisfied with. Get involve in project inspection too in order to get the value of your money.

Source: By Emmanuella Anokam New Agnecy of Nigeria (NAN)

Affordable houses: NISH seeks establishment of Cooperative Housing Federation of Nigeria

The organisation also called for the establishment of Cooperative Housing Fund (CHF) and Cooperative Housing Information System (CHIS).

Mr S.K Yemi Adelakun, Managing Director, NISH Affordable Housing Ltd., made the call at the opening of a 2-day cooperative housing workshop organised by NISH in collaboration with Family Homes Funds, on Thursday in Abuja.

Adelakun said that the CHF would unite off-takers aggregate savings and equity contributions to improve their collective chances of renting or owning affordable houses at minimal costs and to actively invest in various housing value chains.

According to him, Cooperative housing should afford off-takers a better negotiating platform with other stakeholders.

“Housing cooperatives in other countries like Kenya play the role of developers, financiers, guarantors, bankers, asset aggregators and managers.

‘‘They are able to attract domestic and international donors and equity funds due to the volume of savings from members,’’ he said..

He explained that cooperative housing would also facilitate procurement of bankable off-takers guarantees required to attract to Nigeria global construction companies with technologies and finance for large scale and cost effective housing delivery.

The managing director explained that the workshop was designed to preach the gospel of synergy in togetherness and to encourage formation of cooperative housing association across the country which would culminate in formation of CHFN.

‘‘The workshop will be made a quarterly event and at the end of this 2-day workshop we will hopefully set in motion action plans towards establishing Cooperative Housing Fund (CHF) and Cooperative Housing Information System (CHIS).’’

He urged the Federal Director of Cooperatives to help in facilitating the registration of cooperative housing associations across the country and particularly the proposed CHFN.

‘‘We count on our partnering banks to initiate financial products or instruments in support of these initiatives; we also count on GIZ and Africa Development Bank for technical support.

‘‘This will enhance governance of these cooperative housing organisations especially in the area of data management,’’ he said.

He stated that for Nigeria to achieve sustainable delivery of affordable houses, housing off-takers financing must be at single digit interest rate.

Adelakun commended the government and its agencies like the Federal Mortgage Bank of Nigeria (FMBN), Family Homes Funds and Federal Government Staff Housing Board, which offered six, five and three per cent interest rates respectively.

He observed that these institutions were limited in their capacities to finance construction of affordable houses, given the existing level of housing deficit such that only few Nigerians could qualify and secure mortgages through them.

‘‘While one may be hoping for enhanced capitalisation in the future and special intervention Fund by government, off-takers must engage in self help through innovative principles of cooperative housing,’’ he stressed.

In his address, Alhaji Sani Idris, Federal Director of Cooperatives, praised the idea of the cooperative housing approach.

He said the initiatives involving viable cooperatives were sustainable because the institutions were owned by person whose vested interest initiated their creation.

Represented by Amano Emal of the Federal Department of Cooperatives, Idris said registered cooperatives should be treated as competent entities that are able to take decisions on any matters concerning them as autonomous legal persons.

‘‘It is the choice of the cooperatives to decide the mode of its operations, and this is documented in their Bye-Laws registered along with their names by the Director of Cooperatives, who is the statutory Registrar of cooperatives at the appropriate jurisdiction.’’

News Agency of Nigeria reports that the workshop with the theme: ‘‘Financing Affordable Housing Through Cooperatives,’’ had in attendance executive members of housing cooperatives, off-takers, developers and finance experts among others.

Source: News Agency Of Nigeria (NAN)

Modular housing firm chosen for £40m homelessness scheme

Construction Manager reports manufacturer Extraspace Solutions has won a £40m contract to provide modular homes to a not-for-profit company set up by a group of London boroughs to provide high-quality accommodation for homeless Londoners.

Extraspace Solutions will design and manufacture modular housing units for PLACE (Pan-London Accommodation Collaborative Enterprise), which will have the quality of permanent housing but can be relocated to a different site when required. London boroughs will use the units as temporary accommodation for homeless families.

Under the contract, Extraspace will supply 200 homes by 2021.

PLACE, which was established by the boroughs with £11m of funding from the Mayor of London, is a collaborative venture aiming to improve the availability of high-quality temporary accommodation options in the capital. It was set up in response to growing rates of homelessness in the capital, where there are currently 54,000 households living in temporary accommodation.

PLACE’s modular housing units will be placed on vacant ‘meanwhile’ sites earmarked for development in the long term, but which would otherwise remain underused over the short-to-medium term.

Several boroughs are looking into suitable locations for PLACE accommodation and it is expected that the first site will be confirmed later this year.

Cllr Darren Rodwell, London Councils’ Executive member for housing and planning, said: “The capital faces a worsening housing crisis. In response, the boroughs are joining forces to procure modular housing to use as temporary accommodation. PLACE will deliver high-quality, family-sized accommodation for homeless Londoners in their local borough – close to their schools, jobs, and support networks – and delivering new housing on previously unusable sites in the process.

“This is the first time UK local authorities have jointly procured modular housing for this purpose and it shows London government’s determination to create better housing outcomes for homeless families.”

Eleanor Moloney, Extraspace Solutions lead designer, said: “We are thrilled to be helping to deliver this exciting initiative, showcasing modern modular solutions in the residential market. This scheme will combine innovative design with a community feel. Our precision-manufactured modular houses will deliver the quality of permanent homes, meeting the London Plan’s space standards, and can be relocated to the site of most need.”

James Murray, London’s deputy mayor for housing and residential development, said: “The rise in homelessness in recent years is a national disgrace. Government cuts mean London’s councils are too often left with little choice other than to offer homeless families expensive housing far from their local area.”

Source: Global Construction Review

Affordable Housing: Family Homes Funds List Requirements for Cooperatives

As stakeholders in the Nigerian housing sector are beginning to recognise and canvas for the active participation of cooperatives in order to bridge the gap between demand and supply of housing, the MD/CEO of Family Homes Funds, Femi Adewole have listed 4 key requirements that must be met by any cooperative that wants to engage in these process with other stakeholders.

While speaking with Housing News today at the Cooperative Housing workshop organised in partnership with NISH Affordable Housing Limited, Mr Adewole listed the 4 key requirement.

‘’First, They need to have a very strong corporate governance. This is critical for gaining trust among their own members; gaining trust from external parties and also running in a sustainable way.

‘’Second, they must have a very strong and solid engagement with their members. That is, it must be a cooperative not only on paper, but in the true sense of the word. They must have co-operators who are engaged in the mutual effort of supporting each other to access affordable housing

‘’Third, they must have a very clear and articulated strategy about what they want to do. There are different types of housing cooperatives and I think they need to be clear which of them they are because it makes it easier for them to operate in an effective way.

‘’Fourth, partly outside of the cooperatives, and that is ensuring that there is a good regulatory framework for the cooperatives to ensure that they operate within a set of rules, policies and procedures that guides what they can do and what they can’t,’’ he said.

The 2-day workshop which was attended by cooperatives from across the country was the first of a quarterly workshop program that will rally ideas on how to bridge the gap between housing supply and demand in Nigeria.

By Ojonugwa Felix Ugboja

 NISH, Family Homes Funds Reveal How to Address Challenges of Affordable Housing in Nigeria

NISH Affordable Housing Limited and Family Homes Funds have convened the first edition of their quarterly workshop on cooperative housing in Nigeria.

The event which took place today at the Shehu Musa Yaradua Centre in Abuja was well attended by representatives of a number of cooperatives in housing from across the country.

According to the MD/CEO of NISH, S K Yemi Adelakun, the theme of this first edition is, ‘’Financing Affordable Housing through Cooperatives.’’

Speaking further, Adelakun mentioned the major challenges of affordable housing in Nigeria and how to solve them.

‘’There are many challenges inhibiting delivery of affordable housing in Nigeria and six most critical success factors are land, technology, expert knowledge and skilled manpower, building materials, infrastructure and finance. Various housing stakeholders have individual and collective roles to play in surmounting these challenges and turning the challenges to opportunities.

‘’The most critical and most elusive success factor that affects all other factors mentioned earlier and that is inhibiting delivery of housing in Nigeria is finance and that is the main focus of today’s workshop theme which is financing Affordable Housing through Cooperatives. We need finance to buy land, technologies, building Materials, infrastructure and pay workers and professionals. We also need finance to buy or rent completed houses.

‘’Finance is in short supply and very costly. We need both construction and mortgage finance. The approach so far is to provide construction finance without making adequate provision for offtakers’ finance for buying the completed houses from developers. This is why we have so many houses in locations nobody wants to live and at prices nobody can afford.

‘’Effective Demand driven approach may provide solutions to the intractable problem of delivering affordable housing. We need to know the needs and affordability and funding sources of offtakers before commencing construction. By financing offtakers, we are indirectly financing the developers. This approach will encourage developers to be competitive in price, quality and speedy delivery of affordable housing on a large scale.

‘’For sustainability, housing offtakers financing must be at single digit interest rate if we are to achieve sustainable delivery of affordable housing.

‘’Efforts of government and its agencies like the Federal Mortgage Bank of Nigeria, Family Homes Fund and Federal Government Staff Housing Board offering 6%, 5% and 3% interest rates respectively are appreciated. It is however clear that these institutions are limited in their capacity to finance affordable housing given the existing level of housing deficit such that only a small percentage of Nigerians can qualify and secure mortgages through these institutions.

‘’Besides, the focus of these agencies had been to fund developers instead of offtakers. While one may be hoping for enhanced capitalization in the future and special intervention fund by government, offtakers must engage in self-help through innovative principles of Cooperative Housing. This is why this Cooperative Housing workshop is designed to preach the gospel of synergy in togetherness and to encourage formation of cooperative housing association across the country which will culminate in formation of cooperative housing federation of Nigeria.

‘’The goal is to unite Offtakers and aggregate savings and equity contributions to improve their collective chances of renting or owning affordable housing at minimal cost and to actively participate and invest in the various housing value chains. Cooperative Housing should afford offtakers a better negotiating platform with other stakeholders. Housing

‘’Cooperatives in other countries like Kenya play the role of developers, financiers, guarantors, bankers, asset aggregators and managers. They are able to attract domestic and international donor and equity funds due to the volume of savings from members.

‘’Cooperative Housing will also facilitate procurement of bankable offtakers guarantees required to attract, to Nigeria, global construction companies with proprietary technologies and finance for large scale, speedy and cost effective and efficient delivery of affordable housing. Offtakers guarantees will also eliminate sad experience of some offtakers who made payment to developers and were unable to either get their houses or retrieve their payments,’’ he said.

The workshop is largely an interactive session and will be a quarterly event. At the end of the workshop, NISH and Family Homes Funds will hopefully set in motion action plans towards establishing Cooperative Housing Federation Nigeria (CHFN), Cooperative Housing Fund (CHF) and Cooperative Housing Information System (CHIS)

By Ojonugwa Felix Ugboja

Cooperatives Speak on Challenges of Affordable Housing in Nigeria

Cooperatives in housing in Nigeria have stated what they feel are the challenges they face in accessing affordable housing in Nigeria.

The cooperatives spoke about these challenges today at a cooperative housing workshop organised by NISH Affordable Housing Limited and Family Homes Funds at the Shehu Musa Yaradua centre, Abuja.

According to the representative of the Federal Roads Safety Corps (FIRS) Housing cooperatives, one of the major challenges is the cost of fund in accessing affordable housing in Nigeria.

‘’The criteria to access the funds are too cumbersome, and the funds itself are very expensive given the interest rates and other factors.

‘’Another challenge has to do with the institutions handling housing in Nigeria. They are largely ineffective because of the bureaucratic processes that slows things down,’’ he said.

In the same vein, Ben Alaba, representative of another cooperative said the problem of accessing land is also a major challenge in Nigeria. Also related to that is the problem that comes with lands titling and documentation which he said are too burdensome.

Representative of St Luck’s Catholic Cooperative also stated that the Federal Mortgage is very difficult to access and not functioning optimally.

‘’There are low trust issues in the housing sector, which is mainly as a result of the attitude of Nigerians. Many private developers are not sincere, and a lot of people have been disappointed by them.
‘’Even some of the cooperatives are not cooperating. They do not belong to any parent body and are not qualified based on their low standards.
‘’There is also the problem of NMRC not being able to carry out its duty of refinancing.
‘’Another challenge is the poor payment plans that are not very practicable and the incessant clashes between stakeholders in the housing sector,’’ he said.

The 2-day conference which is meant to bridge the gap between housing supply and demand in Nigeria is also poised to seek solutions to these challenges.

By Ojonugwa Felix Ugboja

Cooperative Housing: NISH, Family Homes Funds Hold First Edition of Quarterly Workshop

NISH Affordable Housing Limited and Family Homes Funds have convened the first edition of their quarterly workshop on cooperative housing in Nigeria.

The event which took place today at the Shehu Musa Yaradua Centre in Abuja was well attended by representatives of a number of cooperatives in housing from across the country.

According to the MD/CEO of NISH, S K Yemi Adelakun, the theme of this first edition is, ‘’Financing Affordable Housing through Cooperatives.’’

‘’The objectives are to organise, empower, and acquaint cooperative leaders with Innovative Cooperative Housing Principles and sensitise them on how to aggregate members’ equity contributions through savings scheme towards effective and sustainable delivery of affordable housing to Cooperators. The workshop is also designed to strengthen the governance capacity, transparency and accountability of housing Cooperatives through information and communications technology,’’ he said.

According to him, it is common knowledge that there is a huge housing deficit in Nigeria especially in the low and medium income range that must be addressed deliberately and systematically if we are to achieve significant and sustainable success in delivering affordable housing to the teeming population of Nigeria. Housing, as we all know and as popularised by the Maslow Hierarchy of Needs, is one of the most basic needs of humanity.

In the same vein, the MD/CEO of Family Homes Funds, Femi Adewole stated that the workshop is a developmental engagement. ‘’The objective is to develop the capacity of cooperatives around those four platforms. So after this session, we expect to have another one in July, a third one in September, and a fourth one in December,’’ he said.

According to him, Family Homes Funds and NISH are keen to use this method to ensure that they develop a very strong and effective housing cooperatives system in Nigeria.

The attending representatives of the cooperatives spoke about their challenges and how the organisers of the workshop can aid them.

The two-day workshop is billed to reconvene tomorrow and agree on positions that will advance the cause of cooperatives in Nigeria.

By Ojonugwa Felix Ugboja

Federal Govt Designing Cheap Housing Model For Nigerians — Fashola

The Minister of Power and Works, Housing Babatunde Fashola (SAN), on Tuesday disclosed that the Federal government was trying to design a Nigerian model of housing which will be acceptable and affordable to the people.

Fashola while answering questions from newsmen in Ilorin also dismissed the insinuations that Nigeria had 20 million housing deficit.

The minister who was in Kwara State for a capacity building workshop for Federal Controllers of Lands and Housing in the 36 states, conceded that Nigeria had housing challenges.

The theme of the training was, ‘learning and development for greater stature.’

He said, “I don’t believe in that 20 million housing deficit number. Nobody has owned up to it. It is a number of no origin, I say so. So the person who did that data should come up and take ownership of it.

“But that is not to say that there is no housing challenge. We have it and every country in the world has it. What we are doing is to try and complete the projects that we met. We have started our own national housing programme. The idea is to design a product that Nigerians accept and can afford.

“One of the reasons we have a number of empty buildings and houses is that some of these buildings are acceptable but are not affordable or both. So we are trying to create a model that will be acceptable for the people.

Fashola revealed that the ministry had removed the mandatory 10 per cent equity contribution before accessing loans from the National Housing Funds.

Source: Punch

Impacts of affordable housing demand felt throughout region

ffordable housing is considered to be households that spend no more than 30 percent of their income on housing, but for many residents across the Colorado River and Roaring Fork valleys that low a number can seem unattainable.

However, owners or renters that spend more than 30 percent of their income on housing are considered cost-burdened, according to Economic and Planning Systems.

“The housing issue is felt throughout the region, and it doesn’t know boundaries,” Chris Cares, managing director at RRC Associates, said at Tuesday’s Garfield County Board of County Commissioners work session. “The survey provided foundation for future housing discussions.”

The analysis used surveys administered to local households between Aspen and Parachute as well as residents located between Eagle and Dotsero.

A total of 2,111 people responded to the household survey.

Another survey was administered to employers to understand local housing and employment issues from their perspective. A total of 300 employer surveys were received.

While there were many characteristics and common responses that stood out in the data collected, one of the key takeaways was the challenges and burden the widespread commuter employee base puts on the local economy and housing market.

According to the study, more than 26,000 workers (out of around 47,000 employed residents) cross paths in their daily commute versus just 19,000 employed residents who live where they work.

David Schwartz, executive vice president of Economic and Planning Systems, who presented the data to the commissioners on Tuesday, said limitations of these cross-commuter patterns are evident throughout the surveys.

Having such a large portion of the population that has to commute to work every day has a variety of impacts on the region as well as the individual towns. Residents’ quality of life can worsen, more stress is put on the roads and carbon emissions increase.

“This whole study is for elevating how interconnected everything is and how interdependent we are on each other,” he said.

The cross-commuting patterns shown from residents across both valleys is what researchers defined as the market “taking care of itself”; however, it’s not taking care of its workers that may not want to commute so far every day.

For instance, in Basalt, the market shows that the town is importing 85 percent of its workforce and exporting 90 percent of its resident workforce. This can present challenges in creating a tight-knit community.

Glenwood Springs Mayor Jonathan Godes spoke during the comment portion of the work session about the stress and challenges cross commuting had on him and his family.

“Our friends and neighbors [is what] make a community,” he added.

According to the analysis, housing in the New Castle to Parachute area is meeting housing demands from other parts of the region; however, demand for housing exceeds its supply in the Glenwood Springs and the Aspen/Snowmass area.

“Pitkin County’s lack of housing is our human service crisis,” Commissioner Tom Jankovsky said following the presentation.

Commissioner Mike Samson said the analysis provided interesting information, but that most of it boiled down to common sense.

“One of the major problems of housing in Garfield County is because of things done or not being done in Pitkin County,” he added.

When asked about the connection between the housing situation in Pitkin and Garfield counties, Schwartz said it was obvious that the bulk of employment is up there, and it is creating the housing demand.

According to the analysis, 1.3 to 1.4 is the average number of jobs for adults in the region.

“This speaks to the necessity of the condition,” Schwartz explained. “It speaks to the necessity of people needing to earn more money because of the housing situation.”

Despite the work session taking up most of Tuesday morning, the packed room of audience members filled with concerned residents and government officials stayed and wanted to know more about the local housing situation by the end.

Glenwood Springs City Council member Paula Stepp asked if the researchers included any solutions to some of the problems presented.

Schwartz said he believed a private-public partnership with local businesses to address affordable housing could be an advantageous route for the county and cities to take, and the survey indicated a willingness from employers to offer housing assistance.

“It depends on the representation of the business community, but there is precedent,” he added.

However, Schwartz said he felt the problem was far too expansive, ranging and connecting into several neighborhoods in Garfield, Pitkin and Eagle counties, and will need regional or even state funding solutions.

“I really think this needs to be something new, something creative,” he added.

Source: By Alex Zorn

Some 9,000 families on over £100k have used the Help to Buy scheme to get on the housing ladder

Thousands of wealthy families have received taxpayer loans to help them on to the housing ladder, official figures show.

The Help to Buy scheme, set up to support struggling first-time buyers, has now been used by 92,077 families with incomes of more than £50,000 a year.

Of these, 8,891 had incomes in excess of £100,000.

The Help to Buy scheme – set up to support struggling first-time buyers – has now been used by 92,077 families with incomes of more than £50,000 a year

And of 210,964 households to use the scheme since its launch in 2013, almost one fifth were not first-time buyers, with many of them using support from the taxpayer to purchase a bigger home.

The scheme, the brainchild of former Chancellor George Osborne, lends taxpayers’ money to families buying new-build homes. But it has been blamed for pushing up prices and fattening developers’ profits.

Persimmon last year became the first British housebuilder to make profits of more than £1billion as it cashed in on the scheme.

Heavy criticism prompted ministers to overhaul the rules from 2021 when it will be restricted to first-time buyers only.

Matt Kilcoyne, of the Adam Smith Institute, said: ‘The scale and amounts are stunning.

The housing crisis is caused by the lack of homes in the right places. The £11.7billion spent has done nothing to increase the number of houses, it has just pushed up prices even higher.’

Greg Beales, director of campaigns at housing charity Shelter, said: ‘Help to Buy has made things worse for many would-be buyers by inflating house prices.

‘The Government should call time on this country’s housing crisis by investing in a new generation of social housing.’

The average price of properties bought was £258,223, with the average loan at £55,498.

Three of Britain’s biggest builders – Barratt, Taylor Wimpey and Persimmon – raked in more than £2.7billion in profits last year off the back of the scheme.

Persimmon sold nearly half of its homes that year through Help to Buy and paid former chief executive Jeff Fairburn £85million in just two years.

However ministers have been considering changes to Help to Buy after an outcry.

Last month James Brokenshire, the Housing Secretary, warned developers they must stop ‘unacceptable’ practices and end problems with build quality.

A Government spokesman said yesterday: ‘Last year saw the highest number of first-time buyers in more than a decade and now we know that Help to Buy equity loans helped more of them than ever before to own their homes.’

Source: By Matt Oliver, DailyMail

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