Policy library

Policy, research and good practice work forms a major part of Shelter's efforts to address and find solutions for homelessness and housing issues. In this section you can browse through the reports, factsheets, briefings and policy consultation responses that we produce.

All policy documents

Ground breaking - New ideas on housing delivery

Applicable to: England
Published:  July 2009

The double blow of the credit crunch and recession has hit the housing market hard and resulted in a severe reduction in the number of new homes being built. Given the current level of housing need, projected future demand for homes, and pressure on public finances, we could be feeling the impact of this slowdown for generations to come. Shelter, like many in the housing sector, believes that we must act now to reinvigorate housing delivery to ensure the continued supply of much needed new homes throughout the downturn and beyond. Read summary and download 

Uncharted Territory - Managing mortgage arrears and possessions

Applicable to: England
Published:  July 2009

Shelter commissioned Professor Janet Ford and Dr Alison Wallace from the Centre of Housing Policy at the University of York to research how mortgage arrears and possessions are being managed by lenders and borrowers in the current economic climate. The study looked at the measures that have been put in place to assist borrowers and identified what more needs to be done to protect homeowners over the longer term. Read summary and download 

Policy briefing: Housing Market Renewal

Applicable to: England
Published:  June 2009

The housing market renewal (HMR) pathfinders have brought much needed investment to parts of the North and Midlands experiencing low demand for housing and long-term economic and social decline. Read summary and download 

Response - OFT Draft guidance on second charge lending

Applicable to: England
Published:  May 2009

Arrears and repossessions have risen dramatically as a consequence of the credit crunch and Shelter has seen a large increase in the number of clients seeking advice on these issues. The Finance and Leasing Association estimates that approximately 1750 second charge repossessions were made in 2008, although there is no data specific to second charge repossessions available from the Ministry of Justice. Shelter’s advice services continue to see poor practice amongst some second charge lenders, in particular with regard to arrears management, and we believe that good guidance from the OFT could help to improve lender behaviour. Read summary and download 

Survey of Sub-prime Borrowers: Results and Recommendations

Applicable to: England
Published:  May 2009

This survey aims to understand the current experiences, attitudes and expectations of sub-prime borrowers. It explores how they are managing their mortgage payments and reviews their experience in contacting and negotiating with their lenders about payment difficulties. Read summary and download 

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