The Cost of a Broken Model: Lease-Based Supported Housing
In recent years, lease-based Specialised Supported Housing (SSH) has quietly emerged as a fast-growing model in social housing — one that’s often framed as innovative, flexible, and responsive to the needs of vulnerable tenants. On paper, it offers a way to deliver housing for people with high care needs without the need for public sector capital outlay. Instead, private investors fund the homes, lease them to registered providers, and those providers, in turn, let them to tenants referred by local authorities.
But behind the scenes, this “asset-light” model comes with serious questions. Who’s really in control? What happens when the rent doesn’t cover the costs? And how much risk is being offloaded onto housing providers — and ultimately, the tenants themselves?
This isn’t just about spreadsheets or regulatory checklists. This is about homes — homes for people with complex needs, often vulnerable, sometimes voiceless. If the system propping up those homes is shaky, so too is the stability of the lives within them.
And that’s why this matters.
The Chartered Institute of Housing - Time to Turn Off the Life Support?
As a tenant in a shared ownership property, I've heard the phrase "Chartered Institute of Housing" mentioned almost victoriously. Yet, I've seen very little tangible evidence of their results. As someone who's been blocked by them (and we have internal emails to prove it), I'm bound to have a bitter taste in my mouth. However, let's keep it unemotional and focus on the results derived from the costs spent.
Housing associations allow their staff to reclaim the membership fee they pay to be part of the Chartered Institute of Housing. Essentially, this means that as a tenant, I'm indirectly funding these memberships.
The Chartered Institute of Housing (CIH) positions itself as the leading professional body for housing, dedicated to supporting professionals, upholding standards, and driving positive change in the sector. It claims to reinvest its income into improving housing, working across 20 countries to shape the profession. But for tenants struggling with rising service charges, unsafe homes, and a lack of accountability, these claims ring hollow.