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Supporting the UK housing market

We aspire to contribute to a UK in which all households have access to affordable, safe and sustainable homes in places they want to live.

Access to secure and quality housing is becoming increasingly challenging. We’re uniquely placed to enact change and want to explore the opportunities to increase access to the benefits of home ownership, including through shared ownership, supporting a quality rental and social housing sector, taking the building of housing that supports inclusive communities further, and increasing the availability of specialist housing.

We have supported more than £15 billion in funding to first time buyers in 2024.

Social housing is an integral part of the UK’s housing landscape with millions of people benefiting from stable and genuinely affordable homes. In 2024, we supported £2.2 billion of new funding to the social housing sector.

Our contribution to the housing market

£15bn+

funding to first time buyers in 2024

£11bn

mortgage lending for EPC A and B mortgages since 2022

£19.5bn

funding provided to the social housing sector since 2018

£200m

financing commitment to small local housing organisations

mum, dad and child play in their new home

Championing social housing

Social housing is an integral part of the UK’s housing landscape with millions of people benefiting from stable and genuinely affordable homes. 

Lloyds Banking Group is the biggest supporter of social housing in the UK. We currently work with over 300 housing associations of all sizes.

Despite the construction of around 40,000 homes in 2021, there is still a chronic shortage of social housing in the UK. This is why we are committed to working with housebuilders to expand the availability of quality social housing across the UK. 

Social housing opens in same tab

Greening the built environment

Reducing emissions from the built environment is critical for the UK to achieve its net zero ambitions.

We're providing solutions to promote energy-efficient properties and retrofits, partnering with experts for heat pump and solar panel installations, and actively engaging with political stakeholders driving change.

Sustainable buildings opens in same tab

Our latest insights

As longstanding supporters of the social housing sector, our experts have unique insights into the challenges and opportunities the sector is facing.

The case for investment in social housing

29 January 2025 | Jessica Tomlinson

With over 1.5 million households stuck on social housing waiting lists, it's clear we need to rethink the policy approach to investment in social housing.

Read Jess's article

What can we expect from the UK housing market in 2025?

22 January 2025 | Andrew Asaam

Homes Director Andrew Asaam looks at what could impact the housing market this year, and why it's hard for younger adults to buy a home right now.

Read Andrew's article

Tackling the skills shortage in the UK property sector

6 December 2023 | Jessica Tomlinson

FInd out how the skills shortage in the housing sector is affecting the number of genuinely affordable properties being built.

Read Jessica's article Read David's article about tackling the skills shortage in the housing sector (opens in same tab).

Giving first-time buyers a boost

29 August 2024 | Amanda Bryden

We’re launching new support to get more first-time buyers onto the property ladder.

Read Amanda's article Read Amanda's article about support for first-time buyers (opens in same tab)

What are the risks and benefits of buying a house with a friend or sibling?

19 August 2024 | Amanda Bryden

Half of first-time buyers are now willing to consider “non-traditional routes” to be able to afford a home.

Read Amanda's article Read Amanda's article about non-traditional routes into home buying (opens in same tab)

What is social housing?

 11 March 2024 | David Cleary

Following our call alongside Crisis for one million more homes for social rent in the next decade, we answer some of the most prevalent questions about social housing and the role it plays in the UK housing market.

Read David's article Read David's article about social housing (opens in same tab)

What’s next for the housing market in 2024?

1 February 2024 | Andrew Asaam

Our housing expert Andrew Asaam explores what homeowners and renters might see in the market this year.

Read Andrew's article Read Andrew's article about the housing market in 2024 (opens in same tab)

Why should housing associations retrofit older properties now?

22 December 2023 | David Cleary

How can social housing providers find the right balance between building new homes and retrofitting existing housing stock?

Read David's article Read David's article about retrofitting social housing (opens in same tab)

Decarbonising the UK's housing stock

Becky Heaton | 23 Nov 2023

Our new research focuses on the key barriers to decarbonisation, the incentives needed to drive progress and contains insight from people who have retrofitted their homes.

Read Becky's article Read Becky's article about decarbonising the UK's housing stock (Opens in same tab)

More housing articles

Other content you might be interested in

Our partnership with Crisis

We have partnered with Crisis, a UK national charity for people experiencing homelessness. 

Together, we're calling for the UK to build 1 million more homes for social rent by 2030. 

Our partnership Find more information about Lloyds Banking Group's partnership with Crisis (Opens in same tab).

Chronic shortage of social housing leaves families stuck in harmful accommodation

17 September 2024 | Lloyds Banking Group

New research reveals the stark reality of waiting for a social home -with nearly three quarters of people trapped in unsuitable properties that are impacting their health.

Read press release Read press release about the social housing shortage (opens in same tab)