Unlocking tenant financial resilience

Under additional financial pressure from the pandemic, too many social housing tenants lack the financial resilience needed to weather everyday financial shocks. Many are forced to turn to high-cost credit or even illegal moneylending as a result.

Improving access to fair and affordable credit can help tenants break the spiral of unaffordable debt, rent arrears and eviction.

As well as transforming the lives of tenants, this can have profound financial benefits for landlords. And it supports community finance lenders to scale up and reach more customers.

Our new report Unlocking tenant financial resilience aims to help housing associations and community finance providers take advantage of the clear opportunity to increase the scale of their collaboration and support the financial wellbeing of their tenants and customers.

Based on new research with tenants, housing associations and community finance providers, the report sets out

  • The case for partnerships demonstrating the benefits for tenants, housing associations and community finance providers
  • Guidance to help organisations in building successful partnerships including different partnership models, case studies and good practice

Read the report here

Read the summary slide deck here

We hope organisations will find this report useful in setting up their own partnerships, drawing on the guidance, case studies and examples of good practice.

Supporting partnerships in 2022

Fair4All Finance are offering to support up to three partnerships between housing associations and community finance providers to deliver on the learnings from the report.

We’re looking for partnerships where there’s already an agreed commitment to work together. This could be a new partnership or refreshing an existing one.

We’ll start this work in Q2 2022 and we expect it to run for up to six months. If you have an agreed partnership and are interested in taking part please complete this short form by 30 December.


Attention: We have been informed of fraudulent activity where people are offering unsecured loans using our name.

Please be careful as we do not provide loans or contact customers for this purpose. If you've been approached, please report to Action Fraud immediately via their website or on 0300 123 2040.