Cost of Living (Tenant Protection) (Scotland) Bill: equalities impact assessment

Footnotes

1 39% in social rented households and 34% in private rented households, compared to 7% in households buying with a mortgage and 14% in households who own outright

2 47% in social rented households and 40% in private rented households are, compared to 10% in households buying with a mortgage and 18% in households who own outright. The latest available figures across the period 2017 to 2020, on an after housing costs basis, and are sourced from Poverty and Income Inequality in Scotland Tables

3 63% of social rented households and 40% of private rented households in Scotland are categorised as financially vulnerable, compared with 24% of households buying with a mortgage and 9% of households owning outright. Financial vulnerability is defined as households with savings which would cover less than one month of income at the poverty line. Data covers the 2018 to 2020 and is sourced from Scottish Government Statistical publication on Wealth in Scotland 2006-2020)

4 Scottish Housing Regulator National Panel of Tenants and Service Users 2021 to 2022

5 In 2018-20, based on findings in Wealth in Scotland 2006-20.

6 In 2018-2020, 53% of households with a household head aged under 35 owned property. This was lower than for households with household heads aged 35-44 (64%), 45-54 (63%), 55-64 (70%), 65-74 (71%), and 75 and older (70%).

7 2019 Scottish Household Survey.

8 Family Resources Survey, as reported on in Poverty and Income Inequality in Scotland Tables

9 Source: DWP StatXplore Tables for May 2022, compared with latest available rented stock figures. The DWP based figures are not able to be separated out into the number of households receiving either full or partial support, however a separate analysis of Housing Benefit support for social tenants was carried out for the SG Social Tenants in Scotland Statistics 2017 publication, based on Family Resources Survey data. This showed that for social rented households in Scotland in receipt of Housing Benefit, an estimated 67% were estimated to have their rent fully covered by Housing Benefit, when looking at data across the three years 2015/16 to 2017/18.

10 2019 Scottish Household Survey.

11 Additional poverty analysis 2021 - gov.scot (www.gov.scot)

12 Ethnicity, poverty, and the data in Scotland - JRF

13 Scottish Household Survey 2019

14 GENDER-HOUSING-AND-HOMELESSNESS---A-LITERATURE-REVIEW.pdf (engender.org.uk)

15 What do lower income tenants in Scotland’s private rented sector want to see from a new Rented Sector? Summary report of the Tenant Insights Project – JRF (unpublished, in press)

16 Introduction - Gypsy/Travellers in Scotland - A Comprehensive Analysis of the 2011 Census - gov.scot (www.gov.scot)

17 HW-in-the-PRS-final.pdf (housingevidence.ac.uk) ; McKee-etal-HousingStudies-2020.pdf (stir.ac.uk) cache03192.pdf (thinkhouse.org.uk) HW-in-PRS-Part-2-final.pdf (housingevidence.ac.uk

18 Hulse, K. and Milligan, V. (2014) ‘Secure Occupancy: A New Framework for Analysing Security in Rental Housing’, Housing Studies, 29(5).

19 Housing and health: new evidence using biomarker data | Journal of Epidemiology & Community Health (bmj.com)

20 cache03192.pdf (thinkhouse.org.uk)

21 poverty-evictions-and-forced-moves-2018-jrf.pdf (yhphnetwork.co.uk) p 4

22 RentBetter Baseline Full Reports | Rent Better (indigohousegroup.com)

23 Internal analysis of published eviction decisions in 2022 (Jan to August) by the First-tier Tribunal for Scotland suggests the average level of rent arrears for those evicted due to rent arrears was £7,600.

24 Covid recovery: a consultation on public health, public services and justice system reforms – consultation analysis (26 January 2022)

25 Findings | Rent Better (indigohousegroup.com)

26 Findings | Rent Better (indigohousegroup.com)

27 An analysis of Landlord Registration data by Registers of Scotland as at September 2022 shows that 72.5% of registered landlords with a property are estimated to own a single rental property, 13.6% to own 2 properties, 5.4% to own 3 properties, and 8.5% to own 4 or more properties.

28 1. “Landlord intends to sell due to financial hardship” (private sector only (not including protected tenancies under the Rent (Scotland) Act 1984));2. “Landlord intends to live in the let property due to financial hardship” (private sector only); and 2. “Substantial rent arrears” (social and private sectors).

29 Findings | Rent Better (indigohousegroup.com)