Credit where it’s due? Assessing the benefits and risks of Universal Credit

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The government’s plans for Universal Credit (UC) were first set out in November 2010, and its concept has received broad cross-party support. But the process of implementation has been dogged by a series of delays – the OBR now anticipates that it will not be fully rolled out until at least 2020, potentially 3 years … Continued

Universal Credit: A policy under review

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Resolution Foundation has brought together an expert panel of labour market economists, welfare specialists, employment practitioners and other experts to review the current design of Universal Credit and its likely impacts and propose changes that would make the policy more likely to support people to get into and progress in work. The cumulative impact of … Continued

Zeroing In

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The use of zero hours contracts should be reformed to ensure that flexibility can be maintained and workers’ rights strengthened to help eradicate misuse. This report makes a number of recommendations that respond to these concerns and seek to strike a better balance, providing protection and choice for workers while ensuring flexibility is maintained for … Continued

One foot on the ladder: how shared ownership can bring owning a home into reach

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A major expansion of newly built shared ownership could help low and modest income working families across the country onto the property ladder, while keeping their housing costs affordable. One foot on the ladder shows that shared ownership – where buyers purchase at least 25 per cent of the equity in a home and pay a low rent … Continued

Building Homes for Generation Rent

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A low-risk income return of 4.7 per cent should be achievable for institutional investors putting money into the private rented sector – a move which could also help solve Britain’s housing crisis for families on modest incomes. Building Homes for Generation Rent identifies a £140 million property portfolio, made up of almost 800 rental homes around … Continued

Home Truths: How affordable is housing for Britain’s ordinary working families?

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One third of Britain is effectively off-limits to lower-income working families looking to rent a home privately because they can no longer afford a property in those parts of the country. An alarming new report, Home Truths, is the first to give a comprehensive assessment of where less affluent families can reasonably afford to live, … Continued

A Matter of Time: The rise of zero-hours contracts

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It is not hard to see why zero-hours contracts can appear attractive to employers. They allow for maximum flexibility to meet changing demand. They can facilitate the management of risk, reduce the costs of recruitment and training, and they can, in certain circumstances, enable employers to avoid particular employment obligations. Yet it is clear that … Continued

The challenges of build to rent for UK housing providers

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This briefing note looks at the challenges that build to rent poses for housing providers. It is based on a six month project conducted by the Resolution Foundation and Social Finance to develop a financing model for institutional investment in a build to rent portfolio of 778 rental units nationwide aimed at middle income households. 

Resolution Foundation analysis of the 2013 Budget

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The Chancellor’s fourth Budget was a relatively quiet affair. While pre-announced changes mean that millions of households will face further reductions in benefit and tax credit receipts from April, the latest financial statement said nothing new about welfare cuts (though it confirmed that departmental spending is set to be tightened still further).    

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