Author Archives: chia_adm

NHFIC Chair, Brendan Crotty’s presentation to WA Community Housing Providers

News Western Australia No Comments

27 August 2018
CHIA WA State Manager, Jennie Vartan’s, key take-outs from the presentation

The Vision
• That Community Housing Providers (CHPs), enabled by NHFIC finance, can generate growth in social/affordable housing supply

• Increasing co-operation between the private sector and CHPs – a catalyst for developers and CHPs to work together

The Intent

• To assist CHPs to expand their portfolios through loans with longer terms and lower interest rates

• To measurably increase social/affordable housing

• To improve the financial strength of the CHP sector

• The infrastructure funding will bring forward greenfield and brownfield residential land by addressing the issue that banks are not keen to lend on infrastructure

The Next Few Months’ Work

• Building relationships with CHPs
• Aim to lend $150-250m over 12 months
• Work with the States and service industries to lend $100-200m in infrastructure loans
• Developing good relationships with the property and banking sectors
• Nathan Del Bon appointed as interim CEO
• Well resourced, staff being appointed, starting to motor

Community Housing Provider Loans

• Initial focus expected to be refinancing existing debt
• All CHP debt considered for refinancing, it does not have to be debt arising from development
• Lowest loan size they will consider is $5m
• Straight forward loans, CHPs do not have to worry about the bond raising side of things, NHFIC will then repackage the loans for bond issues, in tranches of $100m
• Happy to fund multi-tenure development if it is part of a scheme generating significant affordable/social housing
• Thinks the demand will be for ten-year loans, but taking soundings on demand for 10 and 20-year loans
• Pricing will be 90 basis points above relevant Commonwealth bond yields, so a 10-year loan will be 3.5% as at the date of the presentation (27 August 2018)
• Credit assessment criteria will focus on interest rate cover, with loan to value less of an issue for loans secured by rental housing
• Interest rate cover could be as low as 1.25% but likely to be around 1.5% for the average CHP
• Tier 1s realistically have slight in built advantage but NHFIC will lend to Tier 2/Tier CHPs in principle
• Put in an expression of interest first to test whether you’d qualify and whether worth your time and effort to put in a full bloodied application
• NHFIC will also advise on receipt of Expressions of Interest, in terms of pointers as to what you need to do to qualify

Infrastructure loans

• Cost will be higher, probably just under bank loans but without the fees and charges
• No refinancing product
• Available when banks will not/cannot lend
• Deals done 3 months vs 6 months with banks
• With bank lending there is still refinance risk at the end of the construction phase, whereas NHFIC can refinance at that stage

JAV

Letter to Community Housing Registrar, WA, 17 September 2018

News Western Australia No Comments

17 September 2018

Ms Lyn Anderson
Community Housing Registrar
Housing
Department of Communities
99 Plain Street
East Perth
WA 6004

Dear Lyn

Over the past few weeks, a number of Community Housing Providers (CHPs) have contacted CHIA WA and Shelter WA regarding the current re-registration process.

In this context, and given that the 30th September deadline is fast approaching for Registered CHPs to transition to the national framework, CHIA WA and Shelter WA consulted with the sector, including contacting all those listed as still registered under the 2007 system, to obtain a sector-wide view of the process.

At the outset, we would like to stress that a number of respondents said that their overall experience of the Regulatory team was positive. They reported friendly, timely, and structured feedback and that the Regulatory team had been fair, with flexibility to extend deadlines. Several reported that the process improved considerably with the later addition of experienced staff to the team. For the significant number that continued to find the process difficult, we have set out below the main themes of the feedback received, along with recommendations to address their concerns.

1. Overall, smaller organisations and those organisations for whom housing is only a small part, or not the main focus, of their business (large and small) experienced the most difficulty with the process.

The framework is not well suited to complex organisations for which housing is only a small part of their business. In some cases, this has been a deterrent to such organisations registering under the new system. This is a loss to the sector as these are often larger, well financed organisations, with good governance, and it would benefit the whole sector if they became bigger players in housing or serviced a niche market.

Similarly, smaller organisations where management of housing, although important, is secondary to their role in support service delivery found that the focus of the assessment tools, particularly the financial ones, was not well suited to their business.

The feedback was that assessment of these types of organisations was overly comprehensive across the non-housing parts of the business, whilst not being tailored to reflect that these are non-housing areas.

When reviewing the regulatory framework, some thought needs to be given as to how to make the regulation appropriate and proportionate for such organisations.

2. Many found the process cumbersome and time consuming, particularly the financial template which takes a full-time, suitably qualified person, two to four weeks to fill out, depending on the closeness of the organisation’s accounts system to the template.

3. Several CHPs felt that the initial briefings and information did not adequately prepare them for the detail of what was to come. A lot of very specific information requirements only became evident after the process got underway. This created a lot of time pressure which could have been avoided if they had realised the time they would need to allocate to prepare in advance of their allocated timeslot.

4. Many of those going through the process at the end of the financial year reported that the timing was not good. They felt the window allocated to them meant they were being required to stick to a timetable whilst managing their year-end, audit, and AGM processes. Smaller organisations in particular find this very difficult to juggle.

5. Many CHPs are still undecided as to whether it is worth the effort. In this regard, some providers requested a debrief from the Housing Authority regarding the consequences of losing registration and/or the advantages of being registered; and a wider conversation about the intended benefits and outcomes from going through the process.

6. We note that the Contracts side of the HA has given a number of CHPs written assurance that they will take no action regarding temporary loss of registration, provided the CHP is actively going through the process and is registered within 6 months. We appreciate this and trust that this approach will be taken for all CHPs in this situation.

7. There is confusion on the part of some CHPs as to whether this is the national scheme.

8. Two providers felt that the distinction between the three tiers was not nuanced enough and that what was required of a Tier 3 provider was not very different from that required of Tier 1 and 2 providers.

9. There is an appreciation of the need for good governance, but some felt the governance requirements did not reflect the small size and/or regional nature of their organisation and the limitations this places on them.

10. There was some concern that regulation duplicates information required to be provided under the current contract/lease agreements.

Whilst we support nationally consistent regulation, which is important to the overall growth of the sector, we remind the Housing Authority of its stated intention, when the NRSCH was first mooted for WA, that there would be less red tape: for example, the Regulator and Contracts would not be asking for similar data in different forms; nor that a financial template would be mandatory but that the same audited accounts provided to ASIC/ACNC would be acceptable.

Based on this feedback we respectfully recommend that:

1. All CHPS who are required to be registered under the terms of their contract(s) with the Housing Authority, are given assurance in writing that the Housing Authority will take no action regarding temporary loss of registration provided they are going through the process and are registered within 6 months.

2. The Housing Authority provides a debrief to the sector re the consequences of losing registration and/or the advantages of being registered.

3. That the pending national review of the financial template reflects the feedback that one size does not fit all and aims to make this requirement less onerous in terms of the format of its delivery.

4. That the timetable provided to individual CHPs for future registration/re-registration, takes into account other statutory reporting obligations CHPs must comply with at certain times of the year.

5. That CHIA WA and Shelter WA are actively included in any forthcoming review of the Regulatory System.

Kind regards

Yours sincerely

 

Jennie Vartan, State Manager, CHIA WA

Michelle Mackenzie, CEO, Shelter WA

Innovation News No Comments

New approaches are needed to improve access social and affordable housing, according to new research from the Sustainable Built Environment National Research Centre (SBEnrc).

The SBEnrc’s Procuring Social and Affordable Housing project found Australia needs new housing and community typologies; a greater understanding of the changing demographics of those needing better access to social and affordable housing; and more diverse housing with more innovative and responsive approaches.

The research highlighted the need for mix of procurement approaches to address the needs of a diverse cohort that includes remote Indigenous communities, those with a disability, key-workers, the aging, Millennials and GenY.

These approaches could include evolving Community Housing Provider models, shared equity models, cooperatives, social benefit bonds, build to rent, maximising vacant infrastructure for short-term pop-up shelters, and the Common Ground model.

‘With varied levels of experience across the states and territories, it is important to understand the pre-conditions for success and apply learnings to build nation-wide uptake and understanding,’ says Project Leader Judy Kraatz.

The Social Procurement project has developed guidelines for organisations that deliver social and affordable rental housing to follow when they choose to purchase a social outcome when buying goods or services.

It was informed by a 360 degree survey undertaken in mid-2018.  Representatives from community housing organisations, state and local government, peak bodies, government and private developers, financiers, architects, and builders from across Australia took part in the survey.

Innovative funding schemes, planning mechanisms (including value capture and inclusionary zoning), partnerships, CHP models and estate renewal were considered as the top five approaches to be considered in improving access to social housing, Ms Kraatz says.

 

 

Joint venture to boost social housing in Hepburn

Member news News Victoria No Comments

The Hepburn Shire Council is partnering with national not for profit housing provider, Community Housing Limited (CHL) as part of a joint venture program that will increase the number and quality of social housing dwellings within the region.

Locals in housing need or those facing the risks of homelessness will benefit from the program, which will provide safe and appropriate housing in the form of 19 dwellings.

With grant funding provided by the Hepburn Shire Council in the amount of $589,000, CHL will deliver four (4) new purpose-built double bedroom units to low income earners in the Clunes community.

‘This program will not only increase the supply of social and affordable housing in the Shire of Hepburn, which is so desperately needed, but will greatly improve the quality of life for struggling residents providing them with real opportunities and pathways,’ says CHL State Manager Shari McPhail.

As part of the CHL’s management, tenants will reap the benefits of services that will connect them with employment, education, training and other community engagements opportunities.

‘We are totally committed to serving the community, and we are really looking forward to working within the region and with the council. Not only will this project provide much needed housing options, but it will also contribute to the local economy with a host of employment opportunities both long and short term, expected to be generated.’

A tender invitation for the construction of the new units is expected to be released shortly, with CHL encouraging local builders and trades within the Clunes Community to partner in the delivery of this very exciting project.

Mayor Cr John Cottrell said that Council was pleased to be working collaboratively with Community Housing Limited.

‘Affordable housing is an issue facing all communities and this is a great opportunity to make a difference in Clunes. The funding raised by Council together with the Clunes community will deliver additional housing options and real opportunities for low income earners.’

Upon completion in the second half of 2019, the new properties will be made available as housing options for the elderly, key workers and younger people, and via CHL will be coupled with resources and support to allow them to engage with their community, develop support networks and grow and lead productive lives.

For almost a quarter of a decade, CHL has been managing the end to end delivery of affordable housing including design, construction, tenancy and property management and currently has more than 9,000 properties under its management nationally, of which over 15 percent are in Victoria.

News No Comments

‘Build-to-Rent’ and ‘Whole of Life Approach to Sustainable and Affordable Living Choices’ are the themes of this year’s 2018 Affordable Housing Symposium, organised by Griffith University.

The one-day symposium will cover key issues surrounding diminishing housing affordability in Australia and aims to develop a dialogue on solutions to the problem; insights will be provided from industry and academia.

The focus of the symposium is on how to deliver and manage Build-to-Rent within a whole of life approach, and how it impacts on governments, investors, the community sector and tenants, and  its potential economic and social externalities.

The symposium has been organised by Griffith University’s Department of Accounting, Finance and Economics in collaboration with the National Affordable Housing Consortium and Sustainable Living Infrastructure Consortium.

Early bird registration is now available.

Member news News Victoria No Comments

[av_heading heading=’CHIA Vic launches election platform’ tag=’h3′ style=’blockquote modern-quote modern-centered’ size=” subheading_active=” subheading_size=’15’ padding=’10’ color=” custom_font=” admin_preview_bg=”][/av_heading]

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The November Victoria State Election provides all parties with an opportunity to make a commitment to tackling the state’s out-of-control social housing waiting list.

With the government forecasting an average surplus of $2.5 billion over the next four years. Now is the time to act.

CHIA Vic has developed an evidence-based election platform that calls for an additional 3,000 social housing properties a year for the next decade.

This ask is in line with an alliance of housing and homeless organisations, charities and social service organisations who have signed The Whittlesea Declaration, which calls on the government of the day to commit to providing the equivalent of one new Whittlesea annually for the next 10 years.

It is also supportive of the national Everybody’s Home campaign.

Sign the petition to support CHIA Vic’s election platform.
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Download CHIA Vic’s election platform.
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News No Comments

Better data on housing supply and demand was critical if the accommodation needs of people living with a disability are to be met, CHIA CEO Peta Winzar told a disability conference in Sydney this month.

At the National Disability Services’ ‘Outside the Box’ conference, Ms Winzar said the $700 million Specialist Disability Accommodation initiative was significant and ‘we need to get it as right as we can’.

This cannot happen without the Commonwealth Government taking a more active role in collecting and sharing data on SDA demand, consumer preferences, available supply –  and the pipeline of future supply, Ms Winzar said.

‘The factors impacting on the supply of Specialist Disability Housing are the same factors that impact on the supply of housing overall in Australia’, she said

  • Land – the capital costs of land create high barriers to entry for developers looking to deliver SDA. It is hard to deliver an affordable product when land costs are so high
  • Finance – the cost and availability of finance for SDA developments is also a big factor. Banks do not like to take risks with unfamiliar products and markets
  • Intelligence – a missing piece of the puzzle is decent information on the demand and preferences of consumers with disability; without this, it’s hard to build SDA product that meets consumers’ needs
  • Price – the price signals to the construction industry to build disability appropriate housing are weak and uncertain.

Discussions about disability housing supply and demand tend to focus on Specialist Disability Accommodation, but we also need to make mainstream housing supply more responsive to the needs and preferences of people with disability through good universal design, Ms Winzar said.

This won’t happen quickly. There are eight million homes in Australia and every year we build another 200,000 or so, even if all those new homes meet universal design standards, it will take a long, long time before we see a significant improvement in the nature of our housing stock.

Member news News NSW No Comments

St Vincent de Paul Housing has received approval to build 26 affordable housing units in Katoomba. The $16.7m project is expected to begin later this year or early 2019, with completion in 2020.

A spokeswoman for St Vincent de Paul, Felicity Moody, said there would be eight one-bedroom units and 18 two-bedroom units over eight levels (two levels will be basement parking).

‘All units are to be used for social housing tenants aged 55 and over,’ Ms Moody says.

The development will be built just south of the heart of Katoomba on a site currently being used as an unofficial car park.
Ms Moody said St Vincent de Paul Housing ‘intends to use the development to deliver services under NSW Government’s Social and Affordable Housing Fund (SAHF)’.

The move follows repeated public comments by St Vincent de Paul’s former National Council CEO Dr John Falzon on the increasing rate of homelessness.

Australian Institute of Health and Welfare data by Homelessness Australia from 2017 has shown a significant increase in the numbers of young people and older women experiencing homelessness. Women and children escaping family violence is still the biggest driver of homelessness in the country.

Dr Falzon says, ‘It is painfully clear the rate of homelessness in Australia is rising with a nine per cent increase in the number of people seeking help from homelessness agencies over the 2015-16 financial year compared to the previous year.’

‘There are 200,000 people on the waiting list for social housing and at the same time Australia has a shortfall of housing supply, estimated at over 500,000 rental dwellings, which are both affordable and available to the lowest income households.’

Member news News No Comments

Steve Bevington began his housing affordability journey in the late 70s in London, when he started a housing cooperative with some friends. Fast forward almost 40 years, and he now oversees Australia’s largest community housing organisation with operations in South America, South East Asia, South Asia and, most recently, Africa.

It’s been quite the ride, given Community Housing Limited (CHL) was a company only on paper when he began working there as its first employee in 1994. It was set up to cater to tenants whose needs would not be met by Victoria’s existing community housing organisations, which, at that time, specialised in certain cohorts such as elderly tenants, crisis housing or those with a disability or housing models such as housing cooperatives.

‘By November 17, CHL will manage 11,000 houses, which is more than double the next provider within our sector, and we’re the only organisation that operates across all six states. However, whilst that is substantial in Australia, it’s still not a substantial organisation in European terms,’ Steve says.

CHL has also expanded overseas, with operations in Timor-Leste, Chile, Peru, India, Papua New Guinea, Indonesia, and, as of this year, Rwanda.

‘The general strategy is to work in South East Asia, South Asia, South America, and sub-Saharan Africa. It took us many years to get to sub-Saharan Africa…Africa was always going to be the hardest, and it is, although the others are pretty hard too to be honest,’ Steve says.

Whilst the overseas operations are, overall, relatively small and new, they are important, he says.

‘If you look at Australia, in reality 10 per cent of people are in high housing need, of which only about 3.5 per cent are being served. If you’re looking at the other countries, you’re talking about 60, 70, 80 per cent.

‘I think for all the difficulties we have in Australia, we’re still a lucky country, and a country where the majority of the people are in pretty good nick. The question is: Does one have a broader social conscience? Is one’s mission based on Australia?’

In Australia, the biggest challenge facing community housing is to cement its place as the natural solution to resolving the housing needs of people through social and affordable housing but Steve is confident that community housing will grow as an industry, and CHL with it.

‘I see CHL as being 10 per cent of a growing sector,’ Steve says.

‘Since 1997, which was the year CHL became sustainable, it’s had an average 21.5 per cent exponential growth per year. That’s been for the last 20 years. I would expect that to continue. That would be the aspiration, and we will hope that the sector will grow with us at the same pace.’

Reflecting on his time in community housing, Steve says, ‘I’m most proud of being an active participant in the formation of a sector that has reversed the 20 year decline in actual numbers of housing for people in need (even though it’s a smaller proportion population wise). The community housing sector has done that, and CHL has been a very active participant, along with other organisations.

‘However, I think we could end up being much more proud of the things we do overseas… CHL is an organisation that produces ideas, projects, and frameworks, which we seek to be copied by other organisations and if you look at what we would hope to do in Africa, our first project will be 1,200 houses or so. If we can be copied by others in Africa, then this could form a basis of housing for the emerging affordable housing needs for a billion people or so.’

Councils call for mandatory inclusionary zoning

Member news News Planning Victoria No Comments

In the lead up to November’s Victorian State Election, frustrated councils in Melbourne’s outer east are calling on all political parties to commit to mandating the inclusion of social or affordable housing in new developments.

Six councils have formed the Eastern Affordable Housing Alliance, campaigning for a commitment to provide more than 11,000 homes to cover the shortfall in the eastern metropolitan region.

Launch Housing chief executive Bevan Warner said political parties needed to ensure that councils could make decisions regarding affordable homes.

“Local government should be able to include conditions to promote the broader public interest and that must include affordable and social housing. I think both sides of government need to clarify whether legislation is needed or not,” Mr Warner said.

The Victorian Greens Samantha Ratnam says the Greens would legislate to ensure every new large housing complex had a minimum of 30 per cent affordable homes.

‘The effectiveness of this idea has already been proven. Cities such as New York, London and San Francisco have undergone housing stress similar to what Melbourne is experiencing, and the use of genuine inclusionary zoning helped ensure that more people had a safe place to live,’ Dr Ratnam says.

The Victorian Government and opposition have not made a commitment.

Read more…

Innovation News NSW No Comments

Link Housing’s community art exhibition, ‘No Place Like Home’ is on again. Following the successful launch last month, the exhibition is now travelling to other venues across Northern Sydney from October 12 to November 1.

Come along to one of the opening nights or visit during the gallery opening hours. See the dates and details below.

Link Housing is proud to welcome you to this leading community art exhibition aimed at raising awareness about the need for affordable, safe and secure housing.

Exhibiting artists and artworks reflect the theme: ‘No Place Like Home’. Mediums range from original music, sculptures to paintings and traditional canvas art.

See Facebook for details.

Federal Innovation News No Comments

CHIA has thrown its support behind a draft bill to establish a three-year pilot program that would enable landlords to claim a tax offset of up to $2,000 per annum for energy upgrades to rental properties leased at $300 per week or less.

In a submission to the Senate Estimates Committee’s review of the draft bill, CHIA CEO Peta Winzar says, ‘We consider the program would provide a valuable incentive for landlords renting properties at the more affordable end of the spectrum to invest in measures that could improve the energy security of low-income households.

‘Energy efficiency measures such as those contemplated in this Bill can reduce energy demand across the whole system, delaying the need for power in infrastructure. In addition to improving energy security for low-income tenants, this could reduce costs to State and Territory governments over the longer term.’

The Committee is required to report by 23 November 2018. A copy of the report will be published on the Committee’s website.

Download CHIA’s submission.

Homelessness News Victoria No Comments

The Council to Homeless Persons (CHP) in Victoria has released an interactive Homelessness Heat Map which gives a true picture of homelessness across the state.

The interactive map is based on data from the Australian Bureau of Statistics and has been analysed by Victorian state electorates.

It was developed to coincide with the launch of CHP’s Victorian Homelessness Election Platform, a ‘blueprint’ for ending homelessness in Victoria.

You can click on the map to see a break-down of how many people are experiencing homelessness of different forms in every electorate in Victoria.

News No Comments

The Macquarie Group has pledge to donate a total of$50 million, over five years, to drive social change.

The funds are to be distributed globally among five NFPs for projects that show lasting community benefit and have a ‘defined approach to measuring social impact’.

Macquarie Group CEO, Nicholas Moore says, ‘Our people have devoted thousands of hours to work with non-profit organisations around the world and contributed over $330 million to drive social change at the local community level.

‘We are delighted to mark our 50th anniversary by extending this tradition with a further $50 million commitment to initiate or build on bold ideas which address areas of social need.’

Applicants must be a registered NFP  with aminimum annual revenue of $4 million, a board of directors, and audited financial statements.

Macquarie Group Foundation chair Shemara Wikramanayake says, ‘We encourage non-profits to be imaginative in their thinking about the enduring outcomes they can achieve with this funding.’

Applications are now open and close in mid-November, with winners announced in May 2019.

Member news News Northern Territory No Comments

Venture Housing Company Limited (Venture) has lodged a development application for the construction of five new houses for key workers on low to moderate incomes in Tennant Creek.

NT Indigenous enterprise, Dice Australia, is also partnering with Venture in the provision of solar power to these dwellings, thus rendering them even more affordable for their eventual tenants.

Some eighteen months ago, well before the recent sad events, Venture identified and determined the clear need for affordable housing in Tennant Creek, and undertook considerable research of and engagement within the town, particularly noting the constraints on employers, and, ultimately, the local economy, in the successful recruitment and retention of low to moderate income employees caused by the lack of safe, well-built and affordable housing.  This engagement has culminated in today’s announcement of Venture’s initial Tennant Creek affordable housing development project at 90 Peko Road.

This small, unit titled intentional community of five single dwellings will be comprised of two three-bedroom with two bathroom homes and three one-bedroom and bathroom homes, in a safe and appropriately landscaped environment.

Bond aggregator Federal Member news National Housing Finance and Investment Corporation News No Comments

Potential borrowers from the Affordable Housing Bond Aggregator (AHBA) can now complete the Expression of Interest forms online to start the process.

To help the National Housing Finance Investment Corporation (NHFIC) assess eligibility for AHBA loans, the EOI form asks for some basic information about your community housing organisation, and some details of the amount you may be interested in borrowing; how you plan to use the funds (eg refinance, construction), what security you are offering, and so on.

Note: the EOI form is NOT a formal application for a loan. Only if the EOI is assessed as suitable to proceed will you be asked to submit a loan application.

After the form has been submitted and assessed, the NHFIC will assign a relationship manager to shepherd each community housing organisation through the process. Pacific Capital Partners have been appointed to assist CHOs with the loan origination process, and the NHFIC also has its own in-house originator.

Head over to the NHFIC website to have a look at the EOI form, the Bond Aggregator Guidelines and the FAQs.

If you want more information, pick up the phone to Pacific Capital (02) 8222 8500 or email or call the NHFIC on 1800 549 767.

 

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