BMSDC Joint Local Plan - Pre-Submission Reg19 (interactive) 2020

Ended on the 24th December 2020
If you are having trouble using the system, please try our help guide.

07 - Affordable Housing

Policy background and explanation

07.01 This planning policy reflects the size, type and tenure of housing needed for different people in the community. Affordable housing is an identified need within Babergh and Mid Suffolk Districts as required by Paragraph 61 of the NPPF (2019).

(1) 07.02 Affordable housing is housing for sale or rent, for those whose needs are not met by the market, which includes housing that provides a subsidised route to home ownership and/or is for essential local workers. Annex 2 of the NPPF (2019) sets out the definition of affordable housing and is split into the following four main categories: affordable housing for rent, starter homes, discounted market sale housing and other affordable routes to home ownership.

(1) 07.03 High house prices across Babergh and Mid Suffolk Districts mean that it is difficult for people to purchase or rent a house on the open market. The evidence based SHMA (January 2019) establishes Babergh and Mid Suffolk are within the Ipswich Housing Market Area (HMA). The 2014-based local housing need identifies the overall affordable housing requirement over the plan period is as follows:

Babergh District[11]

07.04 The demographic projections identify there is estimated to be a total of 47,198 households that will be resident in Babergh in 2036. This is 1,203 more than the previous SHMA evidence of September 2017. The household type breakdown is as follows: one person 30.3%, Couple with no children 35.1%, Couple with child/children 20.0%, Lone parent 8.1% and other[12] 6.4%. The figures indicate that the number of 'other' households are expected to increase the most in Babergh (albeit from a low base), followed by lone parent households. The number of couples with children is projected to remain largely unchanged.

07.05 For Babergh, the overall profile of affordable housing appropriate to meet the population over the plan period derived from Local Housing Need is: 13.3% of housing to be Affordable Rented and 13.5% affordable home ownership (of which 6.8% could be Shared Ownership and 6.7% Starter Homes demand rather than requirement[13]) reflecting the mix of housing that would best address the needs of the local population. However, this does not take into account the funding that will be available to help provide subsidised housing, and government policy on the level of funding fluctuates within the national spending review process.

(1) 07.06 The table below shows the tenure & size profile required in Babergh.

Babergh Affordable Housing Mix (tenure & size) 2018 – 2036

Tenure & size

1 bed

2 bed

3 bed

4 or more bed

Total

Shared ownership

134 (26.4%)

165 (32.6%)

156 (30.9%)

51 (10.1%)

506

Social rent & Affordable rent

271 (27.6%)

228 (23.2%)

225 (22.9%)

259 (26.4%)

984

Discount home ownership & starter homes

(demand)

106 (21.3%)

173 (34.8%)

145 (29.2%)

72 (14.5%)

496

Total

511

566

526

382

1986

Total per annum

28

32

29

21

110

Percentages calculated as the number of bedrooms required for each tenure. Please note percentages may not add up to 100% due to rounding.

Mid Suffolk District[14]

07.07 The demographic projections identify there is estimated to be a total of 53,855 households that will be resident in Mid Suffolk in 2036. This is 2,355 more than the previous SHMA evidence of September 2017. The household type breakdown is as follows: one person 27.6%, Couple with no children 37.4%, Couple with child/children 21.9%, Lone parent 8.3% and other[15] 4.8%. The figures indicate that the number of lone parent households are expected to increase the most in Mid Suffolk, followed by 'other' households. Couples with children are projected to record the smallest rise.

07.08 For Mid Suffolk the overall profile of affordable housing appropriate to meet the population over the plan period derived from Local Housing Need is: 12.7% of housing to be Affordable Rented and 10.0% affordable home ownership (of which 5.8% could be Shared Ownership and 4.2% Starter Homes demand rather than requirement[16]) reflects the mix of housing that would best address the needs of the local population. But this does not take into account the funding that will be available to help provide subsidised housing, and government policy on the level of funding fluctuates with the national spending review process.

(1) 07.09 The table below shows the tenure & size profile required in Mid Suffolk.

Mid Suffolk Affordable Housing Mix (tenure & size) 2018 – 2036

Tenure & size

1 bed

2 bed

3 bed

4 or more bed

Total

Shared ownership

147 (25.2%)

187 (32.1%)

148 (25.4%)

100 (17.2%)

583

Social rent & Affordable rent

289 (22.4%)

361 (28.0%)

303 (23.5%)

335 (26.0%)

1,288

Discount home ownership & starter homes

(demand)

97 (22.5%)

143 (33.2%)

131 (30.4%)

59 (13.7%)

430

Total

533

691

582

494

2301

Total per annum

30

38

32

27

127

Percentages calculated as the number of bedrooms required for each tenure. Please note percentages may not add up to 100% due to rounding.

07.10 Where viability assessments are submitted the Council will expect applicants to clearly set out all of the assumptions and evidence behind the assumption that go into the appraisal. The supply of information must be presented on an open book basis using the Homes and Communities Agency Development Appraisal Tool (DAT model)[17] including the calculation of residual land value and any cash-flow analysis. There must be no hidden calculations or assumptions in any model or appraisal. Viability assessments will be made publicly available. For the implementation of exceptional circumstances reference must be made to the development management policy on Affordable Housing.

07.11 Development appraisals must include details of the proposed scheme including site area, residential unit numbers, number of habitable rooms, unit size, density and the split between the proposed tenures. Floorspace figures must also be provided for residential uses (gross internal area) by tenure, and non-residential uses in gross internal area (GIA) and net internal area (NIA). Information should be provided relating to the target market of the development and proposed specification, which should be consistent with assumed costs and values. Details of the assumed development programme and the timing of costs and income inputs should be provided.

(37) Policy SP02 – Affordable Housing

  1. A contribution of 35% affordable housing[18] will be required on sites of ten or more dwellings or 0.5ha or more.
  1. Proposals which provide a greater amount of affordable housing than that set out above will also be permitted, subject to the relevant Plan and Neighbourhood Plan policies.
  1. The Plan will assist to deliver 2,096 affordable dwellings in Babergh and 2,428 affordable dwellings in Mid Suffolk up to 2037.
  1. Proposals for new affordable housing will be expected to have regard to the mix and type of housing needs identified in the most relevant district needs assessment evidence supported by the Council. In exceptional circumstances, where it is evidenced and justified, and the Council is satisfied that the provision of affordable housing is not viable, the Council may agree to vary the requirement for affordable housing. An agreed viability assessment format will be required to demonstrate this.
If you are having trouble using the system, please try our help guide.
back to top back to top