Homes for Life Housi Ng

H OMES FOR L IFE H OUSI NG H OMES FOR L IFE H OUSI NG

ANN UAL REP ORT 200 7/2 008 ANN UAL REP ORT 200 7/2 008 10 TH ANN IVE RSA RY 10 TH ANN IVE RSA RY CONTENTS CHAIRPERSON’S INTRODUCTION Board Staff

PAGE Having been on the Board since the Company was founded in 1998; it gives Homes for Life is run by a voluntary board of Management who Over the year the company had to make our Development me considerable pleasure to introduce this special Report which marks our are responsible for: th Officer, Stuart Smail redundant due to the lack of availabil- Chairperson’s Introduction 1 10 anniversary. We have much to celebrate. Policies and Practice Targets ity of grant funding. Our Administrator, Janice Thomson Monitoring Performance Compliance also moved onto new challenges; we wish both well. We The Board & Staff 2 The achievements outlined in this Report show that in our first 10 years we appointed 3 new members of staff, two permanent and one The Board at 31 March comprised of: have met the objectives outlined in the New Housing Partnership bid through temporary position*. The staff team now comprises of: Achievements to Date 3&4 which we were founded . In doing so we have made a major contribution Elected Tenant Directors: x Business Manger - George Russell towards meeting East Lothian Council’s targets under its previous Housing Gordon Leitch x Customer Services Manager - Hilary Mark Review of 2007/2008 5&6 Plan and current Local Housing Strategy. Our work has contributed to the Anthony James (Chair)* x Housing Officer - James McCallum-Browne * local economy, has improved the communities in which we operate, and is James McLeish x Administrator – Alison Hume* Priorities for 2008/2009 6 valued by our tenants and sharing owners. Jacqueline Sinclair x Customer Services Assistant - Jennifer Ellis (Maternity Leave) Trading Company 4 Over the last two years, the environment in which we operate has changed Appointed Directors – East Lothian Council: x Temporary Customer Services Assistant – Caroline dramatically, and the Company needs to change to meet the new challenges Alan Forsyth Fletcher *(Maternity Cover) Development 7&8 that this creates. The resolutions being put to this year’s Annual General Colin Shand x Cleaner - Colette McPherson Meeting are a crucial part of that change. Cllr Barry Turner Cllr Tom Trotter Properties 8&9 Staff absence rate over the last year was less than 2%. We are grateful to East Lothian Council for their previous financial support. Appointed Director – East Lothian Housing Association : Allocations 10 This has ensured the continued financial viability of the Company as an in- Membership Noel Foy dependent Registered Social Landlord serving communities throughout East John Holcombe Repairs & Complaints 11 Lothian. We have the track record, capacity, and desire to continue to work Tenant membership has increased by 54% since April 2007, with 36% of all tenancies now represented in our in partnership with other agencies to meet more of the considerable needs Co-opted Directors: Performance Benchmarking 12 which remain outstanding throughout East Lothian. Whether we can do so Brenda Tonner – (Housing Professional) membership. Over the year, tenant membership in- depends on access to further grant funding. Louise Munro – (Tenant) creased from 68 to 97 and has subsequently increased to Finances 13 & 14 105 at the time of the 2008 AGM, with a further 7 Our thanks to everyone who has contributed to our success over the first 10 * since the year end Anthony James has stood down as Chair membership applications are awaiting presentation at the years, and here’s to the next 10! and David rose has been acting chair through to 2008 AGM. Board. David Rose Other membership has increased by only 1 to 4 Ordinary Over the year the following directors retired. Our thanks to them: (Community) and 2 Founder members (East Lothian Ann McCarthy John McNeill Council and East Lothian Housing Association). Chairman Peter Hayman Joyce Bolan Each member has one vote at any general meetings. 1 2 CONTENTS CHAIRPERSON’S INTRODUCTION Board Staff

PAGE Homes for Life is run by a voluntary board of Management who Over the year the company had to make our Development me considerable pleasure to introduce this special Report which marks our are responsible for: th Officer, Stuart Smail redundant due to the lack of availabil- Chairperson’s Introduction 1 10 anniversary. We have much to celebrate. Policies and Practice Targets ity of grant funding. Our Administrator, Janice Thomson Monitoring Performance Compliance also moved onto new challenges; we wish both well. We The Board & Staff 2 The achievements outlined in this Report show that in our first 10 years we appointed 3 new members of staff, two permanent and one The Board at 31 March comprised of: have met the objectives outlined in the New Housing Partnership bid through temporary position*. The staff team now comprises of: Achievements to Date 3&4 which we were founded . In doing so we have made a major contribution Elected Tenant Directors: Elected Ordinary Directors: x Business Manger - George Russell towards meeting East Lothian Council’s targets under its previous Housing Gordon Leitch David Rose x Customer Services Manager - Hilary Mark Review of 2007/2008 5&6 Plan and current Local Housing Strategy. Our work has contributed to the Anthony James (Chair)* Victor Cummings x Housing Officer - James McCallum-Browne * local economy, has improved the communities in which we operate, and is James McLeish x Administrator – Alison Hume* Priorities for 2008/2009 6 valued by our tenants and sharing owners. Jacqueline Sinclair x Customer Services Assistant - Jennifer Ellis (Maternity Leave) Trading Company 4 Over the last two years, the environment in which we operate has changed Appointed Directors – East Lothian Council: x Temporary Customer Services Assistant – Caroline dramatically, and the Company needs to change to meet the new challenges Alan Forsyth Fletcher *(Maternity Cover) Development 7&8 that this creates. The resolutions being put to this year’s Annual General Colin Shand x Cleaner - Colette McPherson Meeting are a crucial part of that change. Cllr Barry Turner Cllr Tom Trotter Properties 8&9 Staff absence rate over the last year was less than 2%. We are grateful to East Lothian Council for their previous financial support. Appointed Director – East Lothian Housing Association : Allocations 10 This has ensured the continued financial viability of the Company as an in- Membership Noel Foy dependent Registered Social Landlord serving communities throughout East John Holcombe Repairs & Complaints 11 Lothian. We have the track record, capacity, and desire to continue to work Tenant membership has increased by 54% since April 2007, with 36% of all tenancies now represented in our in partnership with other agencies to meet more of the considerable needs Co-opted Directors: Performance Benchmarking 12 which remain outstanding throughout East Lothian. Whether we can do so Brenda Tonner – (Housing Professional) membership. Over the year, tenant membership in- depends on access to further grant funding. Louise Munro – (Tenant) creased from 68 to 97 and has subsequently increased to Finances 13 & 14 105 at the time of the 2008 AGM, with a further 7 Our thanks to everyone who has contributed to our success over the first 10 * since the year end Anthony James has stood down as Chair membership applications are awaiting presentation at the years, and here’s to the next 10! and David Rose has been acting chair through to 2008 AGM. Board. David Rose Other membership has increased by only 1 to 4 Ordinary Over the year the following directors retired. Our thanks to them: (Community) and 2 Founder members (East Lothian Ann McCarthy John McNeill Council and East Lothian Housing Association). Chairman Peter Hayman Joyce Bolan Each member has one vote at any general meetings. 1 2 ACHIEVEMENTS TO DATE - PROGRESS THROUGH PARTNERSHIP

Affordable Housing Community Needs x 316 quality homes provided in 22 different settlements throughout East Lothian- from Musselburgh in the East to Innerwick in x Reuse of derelict buildings such as Prestonkirk House, East Linton and redevelopment of difficult brownfield sites such as the West, and from North Berwick in the North to Gifford in the South. These have made a major contribution towards output Barga Court, Cockenzie as well as Forth St and St Andrew Street, North Berwick,and Goose Green ,Musselburgh, all of against new housing targets under both previous Housing Plan and current Local Housing Strategy. which had been derelict for many years. x 277 new homes for affordable rent, through 18 contracts on 17 different sites. Contracts ranged from 5 to 60 homes, but x Incorporation of much needed Community Library and Day Care Centre within conversion of Prestonkirk House East Linton. averaged only 15 homes. x Incorporation of much needed Day Care Centre within development at St Andrew St, North Berwick. x 12 new homes for affordable ownership on our own innovative shared equity basis. This allowed properties to be purchased x Improved community and primary school facilities in Elphinstone, cross funded by East Lothian Council through disposal to at entry prices of around 50% of current market value, with no grant funding or other public subsidy except for the land. Company of site for development at MacFarlane Court, Elphinstone. x 27 existing affordable rented homes protected from the Right to Buy in 16 settlements where sales were threatening continued availability to meet local needs. These were older Local Authority homes transferred over to the Company as they became vacant and subsequently re-let be Homes for Life. These include properties particularly suited to meeting the needs of applicants with mobility needs A programme of improvements is being prepared to ensure all of these homes are brought Investment up to the Scottish Housing Quality Standard. x £17.5 million of additional investment in East Lothian. x Lease to East Lothian Council of 33 homes over 3 developments for use as Temporary Accommodation in meeting their x £15m private funding facility secured through open competition, on attractive terms with low arrangement, margin, and non- duties towards Homeless households. utilisation costs. Of this under 1/3 had been used when access to grant ended in March 2007. x Development Agency Service for East Lothian Council for 9 units at Briery Bank, Haddington through to near completion with x Exceptional value negotiated development partnership with East Lothian based Hart Builders. This followed competitive open Cala, including negotiation of exceptional value. Also 3 sites for 170 units taken to advanced stage of planning and building tender two stage selection process conducted under EU procurement rules. Overall 91% of our new build homes were warrant process at Brunt Court, Dunbar, Windygoul, Tranent, and Goose Green (Phase 2), Musselburgh. completed under this partnering agreement, also using the same consultants throughout. Prices achieved were consistently x Site identification and feasibility work for East Lothian Council for a range of projects, to various stages including Assembly amongst the lowest achieved by all Registered Social Landlord contracts throughout Fife, Lothian and Borders. Rooms, Dunbar; Moffat Rd, Ormiston; Weston Nursery, Haddington, High St, Prestonpans, and many more.

Particular Needs x Re-provisioning for adults with Learning Difficulties in specially designed domestic scale shared supported accommodation in Haddington, Gullane and North Berwick, allowing closure of existing poor quality accommodation in Dunbar and Haddington. The needs of up to 15 adults are now met within 7 properties, supported by three different specialist agencies- ELCAP, Ark, and Housecall. x Respite facility for up to 4 children with learning difficulties in Presonpans. This specially designed domestic scale unit is the only such facility in East Lothian. It is operated by Aberlour Childcare Trust under a lease agreement.

3 4 ACHIEVEMENTS TO DATE - PROGRESS THROUGH PARTNERSHIP

3 4 REVIEW OF 2007/2008 Despite this significant workload, over the year the Company also continued to develop core services for our tenants, revised poli- The year started with publication of a periodic Inspection Report by the Scottish Housing Regulator, (then known as Communities cies and procedures, and carried out planned maintenance to 175 homes, (Painting and periodic electrical inspections). Scotland). The Board held an Away Day to consider how best to develop the strengths and address the weaknesses highlighted in this Report. The Away Day focused particularly on consideration of the implications East Lothian Council’s recent decision not Anti-Social Behaviour to fund further development through the Company, and the appropriateness of the Company’s partnership structure to this We were delighted to join forces with East Lothian Council, Lothian and Borders Police, East Lothian Housing Association and changed context. Lothian and Borders Fire and Rescue Service to sign up to the East Lothian Anti-Social Behaviour Partnership. We are now able to access the Partnership’s mobile CCTV van, Estate Wardens and night time Noise Team to assist us to deal with persistent The key outcomes of the Away Day were appointment of independent specialist Consultants to appraise options for the future of anti-social behaviour. A recent joint visit carried out by Homes for Life, the East Lothian Council Anti-Social Behaviour coordinator the Company, and setting up of a special Working Group to oversee this commission. Options to be considered included: and the Lothian & Borders Police liaison officer resulted in the Company’s first Acceptable Behaviour Agreement being signed. x Remaining an independent Registered Social Landlord x Outsourcing all services x Transfer of Engagements (Merger) with a larger Registered Social Landlord. The tables which follow summarise our performance over the year.

An Improvement Plan was developed and accepted by the Regulator, mapping out actions over the next two years to address all of the issues raised in their Inspection Report. Tenants were kept informed of the findings of the Inspection Report, development of the Improvement Plan, and appointment of Consultants through newsletters, supplementary briefings and a tenants’ meeting. There has since been a significant increase in tenant membership, and in tenant involvement in the Board. PRIORITIES FOR 2008/2009

The Consultants rejected outsourcing as non viable in an interim report, and detailed appraisal focused on the other two key op- x Conclude and implement Review of Memorandum & Articles tions. Ultimately, after due consideration and consultation the Consultants recommended that: x Skills audit for Directors, and training /recruitment of additional directors to fill any identified gaps x there were no compelling benefits to merger at this time x Further develop Internal Management Planning x the Company should focus instead on developing governance and service as an independent RSL x Review Risk Management Strategy x the Company should commit to initiating a further Review of economic sustainability in not more than 5 years time. x Review Tenant Participation structure, developing role of Tenant Panel x Seek tenders for Reactive Repairs and Servicing / &Maintenance of Gas Central Heating The Board accepted the Consultants’ recommendations and agreed to promote these to tenants/members. Four consultation x Conclude review of investment needs of older Trickle Transfer Homes and implement programmes for necessary meetings were held in four locations; at different times over four separate days to ensure anyone who wanted to could find out heating, insulation, ventilation, kitchen, or wiring improvements to ensure all meet or exceed the Scottish Housing more and give feedback on proposals. Tenants welcomed the recommendations. Quality Standard. The Board then appointed Consultants to review the Company’s Memorandum & Articles of Association - to remove the obliga- tions and benefits of founder members, to develop accountability to tenants, and to ensure compliance. Tenants/members have been kept informed of progress. Approval to detailed proposals has been sought from and granted by both the Scottish Housing Regulator and the Office of the Scottish Charities Regulator. These detailed proposals are being put to the membership through a Special Resolution to the Annual General Meeting in Sept 2008. Subject to approval at that meeting, the revised Memorandum & Articles will be lodged with Companies House, and will provide a better basis for the Company to meet the requirements of regulators and challenges ahead. 5 6 REVIEW OF 2007/2008 Despite this significant workload, over the year the Company also continued to develop core services for our tenants, revised poli- The year started with publication of a periodic Inspection Report by the Scottish Housing Regulator, (then known as Communities cies and procedures, and carried out planned maintenance to 175 homes, (Painting and periodic electrical inspections). Scotland). The Board held an Away Day to consider how best to develop the strengths and address the weaknesses highlighted in this Report. The Away Day focused particularly on consideration of the implications East Lothian Council’s recent decision not Anti-Social Behaviour to fund further development through the Company, and the appropriateness of the Company’s partnership structure to this We were delighted to join forces with East Lothian Council, Lothian and Borders Police, East Lothian Housing Association and changed context. Lothian and Borders Fire and Rescue Service to sign up to the East Lothian Anti-Social Behaviour Partnership. We are now able to access the Partnership’s mobile CCTV van, Estate Wardens and night time Noise Team to assist us to deal with persistent The key outcomes of the Away Day were appointment of independent specialist Consultants to appraise options for the future of anti-social behaviour. A recent joint visit carried out by Homes for Life, the East Lothian Council Anti-Social Behaviour coordinator the Company, and setting up of a special Working Group to oversee this commission. Options to be considered included: and the Lothian & Borders Police liaison officer resulted in the Company’s first Acceptable Behaviour Agreement being signed. x Remaining an independent x Outsourcing all services x Transfer of Engagements (Merger) with a larger Registered Social Landlord. The tables which follow summarise our performance over the year.

The Consultants rejected outsourcing as non viable in an interim report, and detailed appraisal focused on the other two key op- x Conclude and implement Review of Memorandum & Articles tions. Ultimately, after due consideration and consultation the Consultants recommended that: x Skills audit for Directors, and training /recruitment of additional directors to fill any identified gaps x there were no compelling benefits to merger at this time x Further develop Internal Management Planning x the Company should focus instead on developing governance and service as an independent RSL x Review Risk Management Strategy x the Company should commit to initiating a further Review of economic sustainability in not more than 5 years time. x Review Tenant Participation structure, developing role of Tenant Panel x Seek tenders for Reactive Repairs and Servicing / &Maintenance of Gas Central Heating The Board accepted the Consultants’ recommendations and agreed to promote these to tenants/members. Four consultation x Conclude review of investment needs of older Trickle Transfer Homes and implement programmes for necessary meetings were held in four locations; at different times over four separate days to ensure anyone who wanted to could find out heating, insulation, ventilation, kitchen, or wiring improvements to ensure all meet or exceed the Scottish Housing more and give feedback on proposals. Tenants welcomed the recommendations. Quality Standard. The Board then appointed Consultants to review the Company’s Memorandum & Articles of Association - to remove the obliga- tions and benefits of founder members, to develop accountability to tenants, and to ensure compliance. Tenants/members have been kept informed of progress. Approval to detailed proposals has been sought from and granted by both the Scottish Housing Regulator and the Office of the Scottish Charities Regulator. These detailed proposals are being put to the membership through a Special Resolution to the Annual General Meeting in Sept 2008. Subject to approval at that meeting, the revised Memorandum & Articles will be lodged with Companies House, and will provide a better basis for the Company to meet the requirements of regulators and challenges ahead. 5 6 DEVELOPMENT FUNDING £ Million % Progress to Date New Housing Partnership Grant *1 9.490 54 East Lothian Council Grant *2 3.854 20 Trickle Transfers Completed Subtotal - All Grant 13.344 74 90 Dunfermline Building Society Loans 4.024 23 80 Self Funded *3 0.136 3 70 Total: 17.504 100 60 50 New Build Homes Completed - Own Notes*1 - NHP Grant excludes £0.030m of seedcorn funding to help set up the Company, Completions 40 Specification Notes*2 - ELC grant includes a final capital grant of £0.354 paid in March 2007, to allow loans to be reduced 30 to more sustainable level following termination of Development Programme. 20 Notes*3 - Self funding-cross subsidy from surplus on shared equity sales, agency service income and general 10 New Build Homes Completed - 0 cashflow 1 2 3 4 5 6 7 8 9 10 Contractor Specification Years PROPERTIES Subto- Directly Man- Leased tal Shared Subtotal aged out Rented Equity All Homes Offices Total COSTS Homes 1 Bedroom 103 21 124 4 128 128 2 Bedroom 117 12 129 6 135 135 Average Unit 3 Bedroom 49 49 2 51 51 £ Million Units Cost - £000 4 Bedroom 1 1 1 1 Development Sites - * 1.552 277 5.603 Respite Unit 1 1 1 1 New Build Homes 15.700 277 56.679 Subtotal - All Homes 270 34 304 12 316 316 Total New Build Homes 17.252 277 62.282 Note*- excludes 5 sites acquired from the Offices 2 2 Trickle Transfer Homes 0.252 27 9.333 ELC at nominal value Total : All Properties 271 35 304 12 316 2 318 Total - All Homes 17.504 304 57.579

7 8 DEVELOPMENT FUNDING £ Million % Progress to Date New Housing Partnership Grant *1 9.490 54 East Lothian Council Grant *2 3.854 20 Trickle Transfers Completed Subtotal - All Grant 13.344 74 90 Dunfermline Building Society Loans 4.024 23 80 Self Funded *3 0.136 3 70 Total: 17.504 100 60 50 New Build Homes Completed - Own Notes*1 - NHP Grant excludes £0.030m of seedcorn funding to help set up the Company, Completions 40 Specification Notes*2 - ELC grant includes a final capital grant of £0.354 paid in March 2007, to allow loans to be reduced 30 to more sustainable level following termination of Development Programme. 20 Notes*3 - Self funding-cross subsidy from surplus on shared equity sales, agency service income and general 10 New Build Homes Completed - 0 cashflow 1 2 3 4 5 6 7 8 9 10 Contractor Specification Years PROPERTIES Subto- Directly Man- Leased tal Shared Subtotal aged out Rented Equity All Homes Offices Total COSTS Homes 1 Bedroom 103 21 124 4 128 128 2 Bedroom 117 12 129 6 135 135 Average Unit 3 Bedroom 49 49 2 51 51 £ Million Units Cost - £000 4 Bedroom 1 1 1 1 Development Sites - * 1.552 277 5.603 Respite Unit 1 1 1 1 New Build Homes 15.700 277 56.679 Subtotal - All Homes 270 34 304 12 316 316 Total New Build Homes 17.252 277 62.282 Note*- excludes 5 sites acquired from the Offices 2 2 Trickle Transfer Homes 0.252 27 9.333 ELC at nominal value Total : All Properties 271 35 304 12 316 2 318 Total - All Homes 17.504 304 57.579

7 8 Number % Properties - Type ALLOCATIONS New Build - Developer specification 41 13 Allocations Allocations: New Build - Own specification 236 78 Homehunt % Subtotal - All New Build 277 Homehunt 22 71 19% Trickle Transfer 27 9 9% 13% New Build - Developer Transfers 3 10 Transfers specification Mutual Exchanges 6 19 10% Total Homes: 304 100 New Build - Own Total*: 31 100 specification 71% Mutual Trickle Transfer 78% Note* - excludes1 reallocation to same tenant post decree Exchanges Number % Affordable Rent General Needs 290 95 Needs Met Homeless Ambulant Needs 8 3 Needs met: Subtotal - Self Contained 298 Number % Shared supported ( 12 per- Homeless 10 40 Medical sons) * 6 2 Medical 8 32 8% Properties- Needs 20% 40% Subtotal - All rented homes 304 100 Overcrowding 5 20 Overcrowding Affordable Owner- Other needs 2 8 ship Shared Equity 12 General Needs 32% Total: 25 100 Other needs Subtotal - All Homes 316 3% 2% Offices 2 Ambulant Needs Total: All Properties 318 Homehunt - Allocations Gold Pass Homehunt - Allocations: Shared supported Number % Note * - includes 1 HMO ( 12 persons) * 27% Silver Pass Gold Pass 9 41 4 1% (House in Multiple Occupation) 95% Silver Pass 2 9 Bronze Pass 5 23 Bronze Pass No Pass 6 27 23% Total: 22 100 9% No Pass

9 10 Number % Prope rtie s - Type ALLOCATIONS New Build - Developer specification 41 13 Allocations Allocations: New Build - Own specification 236 78 % Homehunt Subtotal - All New Build 277 Homehunt 22 71 19% Trickle Transfer 27 9 9% 13% New Build - Developer Transfers 3 10 Transfers specification Mutual Exchanges 6 19 10% Total Homes: 304 100 New Build - Own Total*: 31 100 Mutual specification 71% Exchanges Trickle Transfer 78% Note* - excludes1 reallocation to same tenant post decree Number % Affordable Rent General Needs 290 95 Needs Met Ambulant Needs 8 3 Needs met: Subtotal - Self Contained 298 Number % Homeless Shared supported ( 12 per- Homeless 10 40 sons) * 6 2 Medical 8 32 8% Medical Properties- Needs 20% 40% Subtotal - All rented homes 304 100 Overcrowding 5 20 Overcrowding Affordable Owner- Other needs 2 8 ship Shared Equity 12 General Needs 32% Total: 25 100 Other needs Subtotal - All Homes 316 3% 2% Offices 2 Ambulant Needs Total: All Properties 318 Homehunt - Allocations Homehunt - Allocations: Gold Pass Shared supported Number % Note * - includes 1 HMO ( 12 persons) * 27% Silver Pass Gold Pass 9 41 41% (House in Multiple Occupation) 95% Silver Pass 2 9 Bronze Pass 5 23 Bronze Pass No Pass 6 27 23% No Pass Total: 22 100 9%

9 10 PERFORMANCE BENCHMARKING THIS YEAR LAST YEAR

REPAIRS Repairs Satisfaction Peer Group %Very INDICATOR HFLHP HFLHP Average *2 Dissatisfied 100 RELETS: Relets-% turnover(of Tenancies) 9.5 7.3 10.2 90 Relet time-Average in days 24 43 29 80 % Dissatisfied 70 % Rent lost on voids ( of Gross rent) 0.42 0.8 0.9 60 ARREARS: Current tenant arrears-Tecnnical -% (of Gross rent) 0.4 0.9 1.0 Percentage 50 Current tenant arrears-Non Technical -% (of Gross rent) 0.7 1 2.2 40 Former tenant arrears - All -%( of Gross rent) 0.5 0.3 1.4 30 % Satisfied 20 Total arrears -% (of Gross rent) 1.6 2.2 4.5 10 Technical arrears - % (of Gross rent) 0.6 0.9 1 0 Current Tenant Arrears> 13 weeks rent owed 0.0 1.1 4.1 Ease of Conduct of Repair Quality Time Taken Conduct of % Very Satified reporting call handlers Tradesmen Average Debt for tenants in arrears at end of tenancy-weeks rent owed 7.2 14.9 7.7 Former Tenant Arrears written off -% ( of Gross rent) 0.7 0.3 0.5 Categories REPAIRS: Repairs completed - per rented unit 3.1 2.5 COMPLAINTS 2.8 Emergency Repairs completed on time -% 98.6 97.6 95.0 Urgent Repairs completed on time -% 50.0 77.8 87.8 Complaints - Service Complaints - Neighbours Noise Routine Repairs completed on time -% 74.2 82.4 89.4 Overall Repairs completed on time -% 79.9 86.8 90.0 Children RENTS: Average Rent Increase -% 4.9 3.2 3.7 Ave weekly secure rent - 1 bedroom 60.42 56.15 49.73 Resolved at Stage 1 5% 4% Pets Ave weekly secure rent - 2 bedrooms 58.92 57.11 5% 63.36 5% 25% 39% Ave weekly secure rent - 3 bedrooms 66.28 62.98 63.45 1 7% Gardens Ave weekly secure rent - All 62.61 58.41 55.04 3 SFHA affordability test - % pass for new tenants in work 85.7 94.1 83.5 Referred to Stage 2 Drugs Housing Benefit reliance - % on full benefit 28.5 29.8 N/A ( Manager review) 75% 16% Housing Benefit reliance - % on part benefit 8.8 9.5 N/A 19% Litter Housing Benefit - overall % rent income 32.1 32.9 N/A COSTS: Re-active Maintenance Costs per unit - £*1 223.0 138.7 322.1 Harassment Total Admin Costs per unit - £*1 1,103 918 1,009 Debt per unit--£ *1 12,980 16,135 N/ A 11 12 Note *1 - based on 310 units , including all shared occupancies as units *2 - Peer Group is 18 Rural RSLs, except for rents, for which peer group is all RSL stock in East Lothian PERFORMANCE BENCHMARKING THIS YEAR LAST YEAR

REPAIRS Repairs Satisfaction Peer Group %Very INDICATOR HFLHP HFLHP Average *2 Dissatisfied 100 RELETS: Relets-% turnover(of Tenancies) 9.5 7.3 10.2 90 Relet time-Average in days 24 43 29 80 % Dissatisfied 70 % Rent lost on voids ( of Gross rent) 0.42 0.8 0.9 60 ARREARS: Current tenant arrears-Tecnnical -% (of Gross rent) 0.4 0.9 1.0 Percentage 50 Current tenant arrears-Non Technical -% (of Gross rent) 0.7 1 2.2 40 Former tenant arrears - All -%( of Gross rent) 0.5 0.3 1.4 30 % Satisfied 20 Total arrears -% (of Gross rent) 1.6 2.2 4.5 10 Technical arrears - % (of Gross rent) 0.6 0.9 1 0 Current Tenant Arrears> 13 weeks rent owed 0.0 1.1 4.1 Ease of Conduct of Repair Quality Time Taken Conduct of % Very Satified reporting call handlers Tradesmen Average Debt for tenants in arrears at end of tenancy-weeks rent owed 7.2 14.9 7.7 Former Tenant Arrears written off -% ( of Gross rent) 0.7 0.3 0.5 Categories REPAIRS: Repairs completed - per rented unit 3.1 2.5 COMPLAINTS 2.8 Emergency Repairs completed on time -% 98.6 97.6 95.0 Urgent Repairs completed on time -% 50.0 77.8 87.8 Complaints - Service Complaints - Neighbours Noise Routine Repairs completed on time -% 74.2 82.4 89.4 Overall Repairs completed on time -% 79.9 86.8 90.0 Children RENTS: Average Rent Increase -% 4.9 3.2 3.7 Ave weekly secure rent - 1 bedroom 60.42 56.15 49.73 Resolved at Stage 1 5% 4% Pets Ave weekly secure rent - 2 bedrooms 58.92 57.11 5% 63.36 5% 25% 39% Ave weekly secure rent - 3 bedrooms 66.28 62.98 63.45 1 7% Gardens Ave weekly secure rent - All 62.61 58.41 55.04 3 SFHA affordability test - % pass for new tenants in work 85.7 94.1 83.5 Referred to Stage 2 Drugs Housing Benefit reliance - % on full benefit 28.5 29.8 N/A ( Manager review) 75% 16% Housing Benefit reliance - % on part benefit 8.8 9.5 N/A 19% Litter Housing Benefit - overall % rent income 32.1 32.9 N/A COSTS: Re-active Maintenance Costs per unit - £*1 223.0 138.7 322.1 Harassment Total Admin Costs per unit - £*1 1,103 918 1,009 Debt per unit--£ *1 12,980 16,135 N/ A 11 Note *1 - based on 310 units , including all shared occupancies as units 12 *2 - Peer Group is 18 Rural RSLs, except for rents, for which peer group is all RSL stock in East Lothian FINANCES Balance Sheet INCOME £ %* Income % of Total Income £ Net Assets 5,700,679 Housing Rents 967,205 77 Housing Rents Deduct Net Liabilities 4,126,127 Commercial Rents - 5% Disposals 230,000 18 18% Reserves 1,574,552 Other 3,505 Disposals Turnover 1,200,710 Reserves Brought Forward 1,364,953 Interest Earned (Investment) 56,665 5 Surplus (from Inc & Exp Account) 152,599 InterestEarned Actuarial gain in Pension 1,257,375 77% TOTAL INCOME: 100 (Investment) Fund 57,000 Reserves at Year end 1,574,552

22% Other Discontinued Operations (Development) 15,967 2 Disposals (Shared Equity) TRADING COMPANY Interest Charges (Loans 278,152 22 16% 2% Discontinued Operations 13% 2% 8% Surplus (Transfer to Reserves) 152,599 12 (Development) Homes For Life Developments Limited is a wholly owned trading subsidiary. It is not a Registered Social Landlord or a Interest Charges (Loans Registered Charity. This Company remained dormant over the year, with no trading, and no requirement for audit. TOTAL EXPENDITURE: 1,257,375 100 Surplus (Transfer to Reserves) Note %* - Equivalent to pence in the £ 13 14 FINANCES Balance Sheet INCOME £ %* Income % of Total Income £ Net Assets 5,700,679 Housing Rents 967,205 77 Housing Rents Deduct Net Liabilities 4,126,127 Commercial Rents - 5% Disposals 230,000 18 18% Reserves 1,574,552 Other 3,505 Disposals Turnover 1,200,710 Reserves Brought Forward 1,364,953 Interest Earned (Investment) 5,665 5 Surplus (from Inc & Exp Account) 152,599 InterestEarned Actuarial gain in Pension 1,257,375 77% TOTAL INCOME: 100 (Investment) Fund 57,000 Reserves at Year end 1,574,552

EXPENDITURE £ %* General Reserves 1,049,783 Management 320,003 25 Maintenance Reserves 448,769 Expenditure % of Total Expenditure Maintenance 204,750 16 Pension Reserves 76,000 Bad Debts 2,863 Management Total Reserves 1,574,552 Depreciation (Properties) 103,533 8 Other 20,270 2 Maintenance Lettings 651,419 Note - full copies of our audited Accounts and other Disposals (Shared Equity) 159,238 13 12% Depreciation (Properties) Operating Costs 810,657 25% information are available on our web site or from the office. 22% Other Discontinued Operations (Development) 15,967 2 Disposals (Shared Equity) TRADING COMPANY Interest Charges (Loans 278,152 22 16% 2% Discontinued Operations 13% 2% 8% Surplus (Transfer to Reserves) 152,599 12 (Development) Homes For Life Developments Limited is a wholly owned trading subsidiary. It is not a Registered Social Landlord or a Interest Charges (Loans Registered Charity. This Company remained dormant over the year, with no trading, and no requirement for audit. TOTAL EXPENDITURE: 1,257,375 100 Surplus (Transfer to Reserves) Note %* - Equivalent to pence in the £ 13 14 Our Partners Include:

Funding-Grant - East Lothian Council You can find us at Funding- Loans - Dunfermline Building Society Homes for Life Housing Partnership Construction - Hart Builders ( Edinburgh) . Tolbooth Gate Employers Agent & CDM Coordinators- Summers Inman 57 Market Street Clerk of Works - D A Gilmour Haddington External Auditors - Chiene &Tait East Lothian Internal Auditors - TIAA EH41 3JG Finance Service - Scott Moncrieff Banking - Royal Bank of Scotland Website address Corporate Solicitors - Henderson Boyd Jackson Gately www.homesforlife.co.uk Wareing Housing Solicitors -T C Young Phone us on Governance review - Chiene & Tait and CGPM Consulting 01620 829300 Homehunt - East Lothian Housing Association Housing Support - Aberlour Childcare Trust, Fax us on Ark Housing Association, ELCAP, Housecall Nursing and 01620 829993 Homecare Agency, Bridges Project Temporary Accommodation - East Lothian Council E-mail us at Advice - Citizens Advice and Shelter East Lothian [email protected] Reactive Maintenance - East Lothian Council Property Services Gas Servicing & Maintenance - Hepburn For information Periodic Electrical Inspections – Building Maintenance Co. Registered charity No SC028542 Maintenance Painter-work - Presidential Decorating Co. Company limited by guarantee Landscape Maintenance - Greenside Up Company registration No 188299 East Lothian Community Mediation Registered social landlord no 311 East Lothian Anti-Social Behaviour Partnership ICT – IT First, SDM