In January, Patrick Harvie MSP set out to Parliament the Scottish Government’s proposals for the Cost of Living (Tenant Protection) (Scotland) Act 2022 beyond 31 March. Subject to the approval of Parliament, changes to the Cost of Living (Tenant Protection) Act will mean that from 1 April 2023:
if landlords choose to increase private rents, they will be capped at 3%;
the safeguard for private landlords will be amended, allowing them to apply for increases of up to 6% to help cover certain increases in costs in defined and limited circumstances;
enforcement of evictions will continue to be prevented for all tenants except in a number of specified circumstances;
increased damages for unlawful evictions of up to 36 months’ worth of rent will continue to be applicable;
the rent cap for social sector accommodation will be expired, following a voluntary agreement being reached on an agreed approach to rent setting for 2023/24 that ensures that rents remain affordable but still support continued investment in the sector;
the rent cap for student accommodation will be suspended, recognising its limited impact on annual rents set based on an academic year.
These temporary measures are intended to be extended to 30 September, provided they remain necessary, with the option to extend for another six-month period if required. As announced in December 2022, the social sector rent freeze is being replaced with agreements from landlords to keep any rent increase for 2023-24 well below inflation. The first report on the implementation of the legislation, covering the period 28 October to 31 December 2022, was also published in January. Read it here.
Homeless Network Scotland are launching a conversation series to cast some light on why good intentions are not enough when responding to big social challenges like poverty, social isolation and homelessness. And why, without the right knowledge and partnerships, good intentions can even cause harm.
The conversation series will launch at an online event on 6 December 2022 and continue through 2023, where we will be exploring questions such as:
Why is all ‘charity’ or voluntary action portrayed as positive, even those with low-bar standards?
What happens when we centre the motivations of ‘givers’ over the impact on people receiving?
Why do people use foodbanks, on-street soup kitchens or ask passers-by for money? What are the alternatives?
What do politicians do that helps – and hinders?
How can we help voluntary action to be pioneering and trailblazing, rather than resurrecting old practices?
We will look back at the history and the lessons we have learned together, reviewing evidence and experiences of what works and what matters. And we’ll be inviting contributions from those closest to the challenge, with lived experience and expertise who will challenge us and encourage us in the right direction.
Don’t miss the first of this series with conversation starters including from Sarah Johnson, ISPHERE at Heriot-Watt University. We are looking forward to seeing you at The Very Best of Intentions on 6 December 10-12. Book here.
All homelessness starts in a community. But not all communities are at equal risk. Homeless Network Scotland wanted to test a new approach to tackle the uneven distribution of homelessness risk, at the heart of the places most affected by it. We set about to test what happens when ‘subject experts’ collaborate with ‘local experts’ and ‘lived experience’ experts to combine knowledge, insight and problem solving at a local level. And, with thanks to the National Lottery Community fund, to understand how local investment would be targeted too. David Ramsay from Homeless Network Scotland blogs about what was designed and discovered.
Wawl, can’t believe that’s been 3 years since we launched this project. It’s been an amazing and definitively eventful time, as Covid struck just as we got the project up and running, which meant there was a delay to the project.
So let’s get back to where it all began (I think there is a song in that ).
As an organisation we have been working in local communities across Scotland promoting a placed based approach to preventing homelessness at a local level.
A placed based approach embraces a whole community and the assets that already exist in that area, so you’re right “this is not rocket science and isn’t new.” But what is new is the focus on homelessness prevention.
One question I always ask myself? Is using the language of homelessness prevention a barrier for other services out with housing to get involved in trying to protect people’s homes? If you think so, what language should we all adopt?
Homeless Network Scotland and others had a shared understanding that some of the answers to protecting people’s homes and tackling housing issues are in the community themselves, and each community is different so may need a slightly different approach. Having the flexibility to deal with the slightly changing priorities of each community is one of the main benefits to a place-based approach as the usual response is either, a local authority or national strategy.
Thankfully the National Lottery Community Fund also had the same vision as us and wanted to try and test new ways which would change culture and practice within a local setting and we were able to secure funding to test our ideas across 2 different areas in Glasgow.
We worked in partnership with Unity and Scottish Community Development Centre (SCDC) to deliver a new test-of-change in Greater Pollok and Gorbals which are both in the south of Glasgow. As this was the first time in Scotland that anyone had piloted a test-of-change focusing on prevention, I’m sure you can imagine I was full of excitement and slightly nervous as I wanted this to be a success.
Our approach was simple and not hard to replicate. First thing we did was create a panel of local people who either lived or worked in the area and who had a passion for supporting the local community. once you have a group of people who have the same objectives and goals it makes things so much easier.
Also, another valuable contribution was from the partners involved as well. This was crucial in moving the project forward at the right time. No one has all the answers (though my partner may disagree) the knowledge and expertise from Unity and SCDC really gave the approach we adopted so much more meaning. I also learned so much more about working with people which I’ll take forward onto the next project.
The Staying In project funded 6 organisations across both areas, this included housing associations, anchor organisations and small charities. The range of services varied which was a benefit to the local community. The value to the people who engaged with the organisations was simply the right support was on offer at the right time. I would like to see more people have this choice and control over who they engage with and not a one size fits all local authority response.
We want this to be rolled out across other areas, so it’ll be important that the right amount of time and support is allocated to smaller charities and organisations to fully get behind this approach. Its important everyone is involved throughout each stage of this process and buy in comes from health, criminal justice, local authorities, and Scottish Government. Everyone has a part to play in their local community and let’s do more of what working and keep people Staying In their local area if that is what they want.
The most important thing is that this programme achieved exciting things. We believe that less applications for help with homelessness were made to the local authority from both communities. We also discovered 6 key themes from this programme that we believe could be of interest to other place-based initiatives or inform local responses to homelessness – or could merit further research or development. And we have pointed to 8 key considerations for local partners.
Many thanks to everyone who was involved in this project and let’s hope this model can be replicated and rolled out across Scotland soon.
The new Programme for Government for 2022-2023 A Stronger & More Resilient Scotland was published on 6 September, setting out Scottish Government actions for this coming year. Many of this year’s commitments are focused on government’s response to the cost-of-living crisis, including increased protections for tenants and longer-term plans to make rents more affordable.
The aim of following measures is to support people struggling with the increased costs to food and fuel to be able to stay in their home. This would also help people maintain social connections, avoid worsening mental health issues, keep their jobs and avoid housing crises such as homelessness:
A rent freeze, effective from 6 Sept, will be introduced in a new emergency Housing Bill. The new legislation will also impose a temporary ban on evictions, until at least March 2023. These measures are for tenants in both the private rented sector and the social rented sector.
A new campaign will be launched to raise tenants’ awareness of their rights to ensure they can access the support and assistance they need.
A ‘one-stop-shop’ website will be introduced to provide people with information on the range of benefits and support available to them through the current crisis.
A new Housing Bill will be introduced by the end of this parliamentary year to begin to deliver the actions of the New Deal for Tenants and some other aspects of Housing to 2040 – these are yet to be confirmed.
Other measures to help people cope with increased costs include:
The Fuel Insecurity Fund doubled to £20 million to help households at risk of self-disconnection.
The Scottish Child Payment will increase to £25 for each eligible child from 14 November, when the payment will also open up to all under 16-year-olds.
Rail fares will also be frozen.
These practical steps to prevent more people becoming homeless as a result of the increased costs we are facing is very welcome. Changes to legislation are a vital foundation to this action, along with people knowing their rights. As we know from the way that other housing legislation is implemented across Scotland, implementation including enforcement measures around the new law will be key.
Reaction to the announcements Housing Associations are extremely worried about the rent freeze meaning they will have insufficient funds for upgrading existing property and building new homes. Housing sector reacts to Programme for Government rent freeze Scottish Housing News 7.9.22
Scottish Association of Landlords have been ‘inundated’ by private sector landlords saying they will remove their properties from the housing market, which could lead to more tenants being made homeless. Concerns have been raised about interest rates leading to increases in mortgage payments (especially buy-to-let mortgages) which will no longer be covered by rent. Scottish landlords warn of severe problems if ‘rent freeze’ goes ahead Landlord Zone 6.9.22
As The Money House project expands to Glasgow, MyBnk Scotland Partnerships Manager Gemma Orr talks youth homelessness in the city and how money management skills can help.
MyBnk is a charity that delivers expert-led financial education programmes to 5-25 year olds in UK schools and youth organisations – directly, virtually and online. Together with young people, we have created innovative, high impact and high energy workshops that bring money to life.
In the midst of a homelessness and cost of living crisis, research tells us one in three care leavers currently lose their first home and 83% of evictions are caused by rent arrears. MyBnk’s Money House Project works to tackle youth homelessness through developing money management skills, with only 1% of Money House graduates ever being evicted. Following the success of four award-winning projects in London, The Money House has now expanded to Glasgow’s Hope Street.
The Money House
The Money House is an award-winning financial education service for 16 to 25-year-olds on the pathway to social housing – specifically targeting young adults in challenging circumstances, such as those leaving care. Over a week, a trained expert in a simulated flat environment in Glasgow, teaches participants everything they need to know to keep their tenancy. It focuses on survival money management skills, understanding systems, planning for the future and reducing financial exclusion. Using games and activities, it brings money to life, clears up misconceptions and confronts bad habits and worries like debt. Courses are available both online via Zoom and in-person.
Bringing The Money House to Glasgow
The decision to expand this project into Glasgow was driven by the clear need in the city. In 2019-20 there were 6054 homeless applications in Glasgow, and a further 2557 households were in temporary accommodation. In Scotland more generally, 8525 youth homeless applications were made last year, around 24% of children are living in poverty and 70% of young Scots were concerned about their financial situation during the pandemic.
Each individual facing homelessness has their own story, but the heart of the programme has stayed the same – teaching young people how to live independently and lower the risk of homelessness through prevention rather than cure. Each person facing homelessness has their own story, but the heart of the programme has stayed the same – preparing 16–25-year-olds for independence and tackling homelessness through targeted prevention, rather than waiting until young people reach crisis point.
The challenges facing young people in Glasgow will be different to those in London, and the financial landscape certainly differs too: benefits, housing, jobs, entitlements and financial exclusion all require local knowledge. MyBnk Scotland have been delivering money workshops in schools and youth organisations since 2019 and our Glasgow-based team have local knowledge and expert training to help them bring content to life for young people in Scotland.
Getting involved
The Money House targets young adults about to move into social housing. Those coming on the course can be referred by a range of stakeholders, including homelessness and young adult services within councils and housing associations and charity partners such as Barnardo’s.
If you work with young people who would benefit from attending a course or want to find out more at one of our open days, please contact TMHScotland@mybnk.org. For any questions, please contact Gemma.Orr@mybnk.org.
The Money House Glasgow is funded by JP Morgan, SGN and The Quilter Foundation.
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