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Housing Services Activity Update - Strategic Housing Investment Plan (SHIP) - Annual Update

Argyll and Bute Council · 14 March 2023
Back to Helensburgh & Lomond Area Committee — 14 March 2023 and its agenda

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ARGYLL AND BUTE COUNCIL  HELENSBURGH AND LOMOND 
AREA COMMITTEE 
DEVELOPMENT AND ECONOMIC
GROWTH  
14 MARCH 2023 
HOUSING SERVICES ACTIVITY UPDATE - STRATEGIC HOUSING
INVESTMENT PLAN (SHIP) – ANNUAL UPDATE 
1.0 EXECUTIVE SUMMARY
1.1 The main purpose of this report is to update Members of Housing Services
activity and the delivery of the Local Housing Strategy within the Helensburgh
& Lomond area.  This report will detail the following housing activity:- 
 Housing Need and Demand
 Homelessness
 Affordable Housing Supply - Strategic Housing Investment Programme
(SHIP)
 Empty Homes
 Private Sector Housing Grant Adaptations
 Private Sector Housing Grant Repairs and Improvements
 Energy Efficiency - Home Energy Efficiency Programme: Area Based
Scheme(HEEP:ABS)
 Local Housing Strategy 
2.0 RECOMMENDATIONS
2.1 Members are asked to consider the content of the report.

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ARGYLL AND BUTE COUNCIL  HELENSBURGH AND LOMOND 
AREA COMMITTEE 
DEVELOPMENT AND ECONOMIC
GROWTH  
14 MARCH 2023 
HOUSING SERVICES ACTIVITY UPDATE - STRATEGIC HOUSING
INVESTMENT PLAN (SHIP) – ANNUAL UPDATE 
3.0 INTRODUCTION
3.1 The main purpose of this report is to update Members of Housing Services 
activity and the delivery of the Local Housing Strategy within the Helensburgh
& Lomond area. 
This report will detail the following housing activity:-
 Housing Need and Demand
 Homelessness
 Affordable Housing Supply - Strategic Housing Investment Programme
(SHIP)
 Empty Homes
 Private Sector Housing Grant Adaptations
 Private Sector Housing Grant Repairs and Improvements
 Energy Efficiency - Home Energy Efficiency Programme: Area Based
Scheme
 Local Housing Strategy 
4.0 RECOMMENDATIONS
4.1 Members are asked to consider the content of this report. 
5.0 DETAIL
5.1 Argyll and Bute Council retains the role of strategic housing authority  and 
therefore has a series of important statutory housing functions to fulfil. A 
Housing Needs and Demand Assessment (HNDA) is carried out every 5 years
which  enables Scottish Government funding to be brought into Argyll and Bute 
primarily to deliver affordable housing. A comprehensive revision of the local
HNDA was approved as “robust and credible” by the Scottish Government’s
Centre for Housing Market Analysis in 2021. The previous LHS was also
completed in 2021. 
A fully revised LHS covering 2022-2027 has been developed in accordance with

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Scottish Government guidance and local priorities as identified in the new HNDA.
This sets out the vision for Argyll and Bute: “Everyone in Argyll & Bute has
access to a suitable, high quality home which is affordable and located
within a vibrant, sustainable and connected community.” This report will
detail the housing activity taking place in Helensburgh and Lomond and progress
against the LHS Action Plan. 
5.2 HOUSING NEED AND DEMAND 
HOMEArgyll WAITING LIST November 2022 – Active
Applicants (excluding those with 0 points/no defined need)                                                                                                                 
Minimum Bedroom Size Required TOTAL
0/1beds 2beds 3beds 4+beds
Helensburgh and
Lomond 223 115 77 26  441 
In addition there were 214 applicants for Helensburgh & Lomond who received
nil points according to the Common Allocation Policy and therefore would be
deemed to have no housing need. 
For Helensburgh and Lomond as a whole the majority of applicants (50%)
require one bedroom and 26% require 2 bedrooms.18% require 3 bedrooms
and just 6% need 4 or more. 
However, to establish actual need, the available supply must be factored
into this, based on the available lets within the RSL stock during a year. 
HOMEArgyll
Applicants
RSL Lets 2019/20
(All Landlords)
Pressure
Ratio
Helensburgh and Lomond 441 83 5:1 
While the pressure ratios are only one factor in determining need and
demand, they are useful indicators of areas where further research and
analysis may be required. 
The fully revised Argyll & Bute HNDA 2021 takes account of a wide range of
factors to determine existing need and future demand for new build housing,
and demographic projections have a critical role in this assessment. Although
the default population projections suggest a significant and continuous decline
across Argyll and Bute, and consequently minimal or zero requirement for new
build housing,  the council has developed ambitious Housing Supply Targets
based on an alternative, positive growth scenario for all areas. In this instance,
22% of the Argyll & Bute Housing requirement would be apportioned to
Helensburgh & Lomond; and over the next 5 years this could amount to at least
320 new builds across all tenures for the HMA as a whole.

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5.3 HOMELESSNESS 
The incidence of homelessness reduced in the Helensburgh and Lomond area
in 2021/22. There has been a decrease in homeless presentation of 29% (108
down to 77). 
During 2021/22, there were 73 homeless cases closed in the Helensburgh and
Lomond area.  This is a decrease of 43% (128 to 73) on the previous year. 
The figures below illustrate the number of homeless applications and cases
closed for the period from 2017/18 to 2021/22.   
The main reasons for presenting as Homeless last year were “Asked to Leave”,
“Dispute with household/relationship breakdown non-violent or abusive”; and
“Other action by landlord resulting in the termination of the tenancy”. There
were also a number of cases involving “violent or abusive disputes”; and “other
reasons for loss of accommodation”.

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Rough Sleeping 
Helensburgh and Lomond experienced an increase in the incidence of rough sleeping
over the same period last year, with 5 cases (+1) in total across the area reporting that
they slept rough the night preceding their presentation and 6 (+2) reporting that they
had slept rough in the 3 months preceding their homeless application. 
AREA Number of Rough Sleepers in 2021/22
Night Before Application 3 Months Prior to Application
Helensburgh and
Lomond
5 6
Argyll & Bute 17 28

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5.4 AFFORDABLE HOUSING SUPPLY 
This continues to be a very challenging period for the construction sector and
there is ongoing slippage in the new build programme due to disruption and
shortages with materials and staffing. The Strategic Housing Investment Plan
(SHIP) delivered 10 new affordable homes in Helensburgh & Lomond in
2021/22. 
RSL PROJECT Units Funding 
ACHA
Linn Walk, Garelochhead
(Passivhaus Model) 10  £1,845,518 
In addition, further sites/projects in the Helensburgh and Lomond area which
are progressing onsite or in early stages of development and will be
programmed in the SHIP for completion in future years include: 
Dunbritton Helensburgh Golf Club (Main Site) – 60 units
Helensburgh Golf Club ( 18th Tee) – 16 units;
Helensburgh, Jeanie Deans site, East King Street – 12 units
Cardross – 37 units
ACHA Garelochhead – 6 units
LINK Rosneath currently “on hold” subject to review within 18-24
months
Loretto  Sawmillfield – 36 units (due to complete May 2023)

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5.5 EMPTY HOMES 
In 2021/22 there were 6 private empty homes brought back into use in H&L, 
amounting to 16% all the empty homes brought back into use across Argyll and
Bute last year with assistance of the Empty Homes Officer (38). 
Council Tax Information on Empty Homes 
The following table breaks down the numbers of empty homes including those
subject to premium Council Tax charge across the H&L area.  The table does
not include properties which are empty and exempt from Council Tax. The
numbers of recorded empty homes can vary from day to day due to natural
changes and reported numbers are snapshot from November reports.   
Helensburgh &
Lomond 
Council tax data as
at 01.11.22
Number of
properties
on Council
Tax register
Empty
Homes
Properties
subject to 200%
council tax levy
Total  
EMPTY
Helensburgh &
Lomond 12,302 90 113 203 
Council Tax Exemptions 
There are also a number of empty properties which are on the Council Tax
register which are exempt from paying council tax.  In Helensburgh & Lomond
there are 237 properties which are empty and exempt from Council Tax. The
categories for empty properties include: 
 Class 2A = Unoccupied dwelling – under renovation (10)
 Class 4A = Properties recently occupied but now empty and unfurnished
(96)
 Class 5A = Living or Detained elsewhere – e.g care home, hospital or
prison (18)
 Class 6A = Deceased owners – where estate has not been settled (103)
 Class 7A = Dwellings Empty Under Statute  – Closing or Demolition Order
(5)
 Class 13A= Repossessed dwelling (2)
 Class 19A= Difficult to let separately (3) 
Second Homes 
As at November 2022 there were 177 registered Second Homes in
Helensburgh and Lomond. This figure represents 6% of the total number of
Second Homes in Argyll and Bute (2,815).

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Self-Catering Properties
As at 3rd November 2022 there were there were 190 self-catering lets on the
Rates register in the Helensburgh & Lomond area 8% of the Argyll and Bute
total (2,321). 
5.6 PRIVATE SECTOR HOUSING GRANT – ADAPTATIONS 
In 2021/22, there were 21 private sector properties adapted with PSHG aid in 
Helensburgh & Lomond, and a total of 25 individual adaptations installed.     
5.7 PRIVATE SECTOR HOUSING GRANT – REPAIRS AND IMPROVEMENTS
In 2021/22, there were a total of 8 PSHG repair and improvement grants
completed in Helensburgh & Lomond, (across Argyll and Bute, the total was
19). Total cost of the works was £85,031.17 of which PSHG covered
£23,896.70. This was 49% of the total repair grant awarded for Argyll & Bute
last year. 
5.8 ENERGY EFFICIENCY (HOME ENERGY EFFICIENCY PROGRAMME:
AREA BASED SCHEME HEEP: ABS) 
There were 252 energy efficiency measures installed across Argyll and Bute 
in 2020/21 via the HEEPS: ABS programme; and 40 (16%) were in the
Helensburgh & Lomond administrative area. 
In total, 36 properties were improved across the Helensburgh and Lomond
area, at a total cost of £157,367. Grant aid in support of this work amounted to
£148,758, almost 95% of the total costs.           
Current estimates of Fuel Poverty are based on Home Analytics data  
(Scottish figure sourced from Scottish House Condition Survey):-
Area Likelihood of Households in 
Fuel Poverty Extreme Fuel Poverty
Helensburgh & Lomond 20% 4%
Argyll and Bute 27% 15%
Scotland (SHCS Figure) 25% 12%
PSHG ADAPTATION COMPLETIONS 2021 -2022
HMA Grant Value Works Value ADAPTATION INSTALLED      
Ramp Stairlift Access Bathroom
Adaptation Hoist
Helensburgh
& Lomond £ 103,293.20  £ 124,545.00  0 7 5 11 2
TOTALS  £ 103,293.20   £ 124,545.00  0 7 5 11 2

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5.9 Local Housing Strategy (LHS) 2022-2027 
As the strategic housing authority for Argyll and Bute, the Council has a
statutory duty to develop, implement and monitor a Local Housing Strategy over
a five-year planning cycle, based on a robust and credible Housing Need and
Demand Assessment (HNDA) for the area.  Following completion of the
previous Argyll and Bute LHS  (2016-2021) last year, a comprehensive revision
and update of the strategy has been approved by the council and is due to be
formally launched in March 2022. The planning process was based on a robust
process of consultation and stakeholder engagement, which has been
acknowledged as an exemplar model for other local authorities by the Scottish
Government, the CHMA, and the Scottish Housing Network LHS Forum.   
The revised HNDA was approved as “robust and credible” by the Scottish
Government’s CHMA in 2021, and this has informed the revised Housing
Supply Targets set out in the new LHS. These targets are based on a positive
demographic and economic growth scenario for Argyll & Bute and include
ambitious and challenging Housing Supply Targets for the Helensburgh &
Lomond HMA over the next 5 years and beyond. Progress with these targets
and the new LHS Action Plan will be reported on an annual basis to this area
committee. 
6.0 CONCLUSION
6.1 This report provides the detail of the Council Housing Services team activity and
an overview of the progress achieved with the Local Housing Strategy Action Plan
in the Helensburgh & Lomond housing market area. There are a variety of housing
issues within the area which are being tackled by Housing Services and partner
agencies with the aim of delivering a functioning housing system which meets 
the needs of the communities we serve. 
7.0 IMPLICATIONS 
7.1 Policy - Complies with approved SHIP and Local Housing Strategy. 
7.2 Financial - none arising from this report. 
7.3  Legal - we have a statutory duty to deliver statutory housing functions 
7.4  HR – none. 
7.5  Fairer Scotland Duty: positive in terms of delivering affordable housing.  
7.5.1 Equalities - protected characteristics - none  
7.5.2 Socio-economic Duty - positive in terms of delivering affordable
housing.  
7.5.3 Islands – positive in terms of delivering affordable housing on

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the islands 
7.6 Climate Change – the strategy and housing service deliver positive
impacts for energy efficiency and climate change. 
7.7 Risk – none. 
7.8  Customer Service – none. 
Kirsty Flanagan, Executive Director with the responsibility for Development and
Economic Growth 
Counicllor Robin Currie 
Police Lead for Strategic Development 
January 2023 
For further information contact: 
Fergus Murray, Head of Development and Economic Growth 
Fergus.Murray@argyll-bute.gov.uk 
Douglas Whyte, Team Lead – Housing Strategy
douglas.whyte@argyll-bute.gov.uk 
APPENDICES  
Appendix 1 – Extract from LHS 2022 - 2027 (data as of 2020) Helensburgh & Lomond

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APPENDIX 1 – EXTRACT FROM LHS 2022 - 2027 (DATA AS OF 2020)                               
HELENSBURGH & LOMOND 
Helensburgh & Lomond combines the largest urban settlement in the authority with
a more rural hinterland, and has close links with the Glasgow-Clyde-central belt region.
The hinterland of Lomond falls within the Loch Lomond & Trossachs National Park
planning area and this impacts on the operation of the local housing market. Over a
quarter of house sales (27%) are to purchasers from elsewhere in Scotland. The area
has consistently exhibited high average house prices however it also has one of the
highest average household incomes of the HMAs in Argyll & Bute, and consequently
affordability is actually relatively better than many areas, albeit still unaffordable to
many local residents in absolute terms. This area has a quarter of the total housing
stock within the whole authority area, unsurprisingly; however it has seen only modest
growth, compared to the rest of Argyll and Bute, with only 4% increase in the number
of dwellings between 2015 and 2020. It also has the lowest proportion of
second/holiday homes and vacant properties in the authority (5% of the total, albeit
this is still above national levels; and levels may be higher in the National Park area of
Lomond, which is seen as a significant concern for the Park Plan). There were 1,538
RSL homes in 2020, almost 18% of the Argyll & Bute total, and around 4 applicants
for every available let. Over 25% of all homeless cases present here and around 21%
of the HOMEArgyll waiting list are seeking to be rehoused in this area. The committed
growth of the population serving the MOD naval base at Faslane, and the potential
impact of ancillary family over time, is also a significant factor here that will impact on
need and demand in the wider housing system. 
Population                                     
Households                                   
Dwellings                                       
Ineffective Stock (%)  
RSL Stock  
Waiting List Applicants  
RSL Lets (2019/20) 
Pressure Ratio  
Lower Quartile House Price 
Lower Quartile Income  
LQ Affordability Ratio   
25,670
11,189
12,171
5%
1,538
524
122
4:1
£92,938
£19,508
4.8 
Helensburgh & Lomond
Key issues for Helensburgh & Lomond HMA:
Increasing the supply of affordable housing remains a priority for this area.                                
Sustaining the strategic partnership with HMNB Clyde also continues to be
essential to address accommodation needs.
Delivering Housing Options services, providing Tenancy Support and pro-
actively preventing homelessness remain primary goals.
Ensuring appropriate specialist provision is available to meet the requirements
of those with particular needs will also be important.