Decision

The Cambridge Housing Society Limited (L0992) - Regulatory Judgement: 26 November 2025

Updated 26 November 2025

Applies to England

Our Judgement

	Grade/Judgement	Change	Date of assessment
Consumer		Not assessed yet
Governance	G1 Our judgement is that the landlord meets our governance requirements.	Assessed and unchanged	November 2025
Viability	V1 Our judgement is that the landlord meets our viability requirements and has the financial capacity to deal with a wide range of adverse scenarios.	Assessed and unchanged	November 2025

Reason for publication

We are publishing a regulatory judgement for The Cambridge Housing Society Limited (Cambridge Housing Society) following a stability check completed in November 2025.

This regulatory judgement confirms a governance grade of G1 and a financial viability grade of V1.

Summary of the decision

Based on the relevant information and evidence we reviewed in carrying out the stability check, our judgement is that Cambridge Housing Society meets our viability requirements and has the financial capacity to deal with a wide range of adverse scenarios. We have therefore concluded the landlord’s grade is unchanged and issue a V1 grade for Cambridge Housing Society  

From the stability check, there is no evidence to indicate a change in governance grade is required. Cambridge Housing Society governance grade remains G1.

This regulatory judgement is based on a stability check which does not include an assessment of Cambridge Housing Society delivery of the outcomes of our consumer standards.

Prior to this regulatory judgement, the governance and financial viability grades for Cambridge Housing Society were last updated in December 2024 following a stability check to issue a governance grade of G1 and a financial viability grade of V1.

How we reached our judgement

We carried out a stability check of Cambridge Housing Society as part of our annual stability check programme.

Our judgement about how well Cambridge Housing Society is delivering the viability outcomes of our Governance and Financial Viability Standard is based on a review of a range of documents provided by Cambridge Housing Society, as well as analysis of information supplied by Cambridge Housing Society in its regulatory returns.

In confirming Cambridge Housing Society’s governance grade as part of the stability check, our work was limited to verifying that the information contained in Cambridge Housing Society’s regulatory returns did not appear inconsistent with its existing published governance grade.

Our stability checks do not assess a landlord’s delivery of the outcomes of our consumer standards.

Summary of findings

Governance – G1 – November 2025

From the stability check, there is no evidence to indicate that a change in governance grade is required.

Viability – V1 – November 2025

Based on evidence gained from the stability check, we have assurance that Cambridge Housing Society meets the viability requirements of the Governance and Financial Viability Standard.

Cambridge Housing Society has a strong financial profile, and its stress testing demonstrates that financial capacity is built into its business plan. Cambridge Housing Society has provided appropriate assurance that it has access to sufficient liquidity and adequate funding in place. Based on the relevant information and evidence we reviewed in carrying out the stability check, our judgement is that Cambridge Housing Society has the financial capacity to deal with a wide range of adverse scenarios. 

Background to the judgement

About the landlord

According to the 2025 statistical data return Cambridge Housing Society owns 2,986 homes in the east of England.

Our role and regulatory approach

We regulate for a viable, efficient, and well governed social housing sector able to deliver quality homes and services for current and future tenants.  

We regulate at the landlord level to drive improvement in how landlords operate. By landlord we mean a registered provider of social housing. These can either be local authorities, or private registered providers (other organisations registered with us such as non-profit housing associations, co-operatives, or profit-making organisations). 

We set standards which state outcomes that landlords must deliver. The outcomes of our standards include both the required outcomes and specific expectations we set. Where we find there are significant failures in landlords which we consider to be material to the landlord’s delivery of those outcomes, we hold them to account. Ultimately this provides protection for tenants’ homes and services and achieves better outcomes for current and future tenants. It also contributes to a sustainable sector which can attract strong investment. 

We have a different role for regulating local authorities than for other landlords. This is because we have a narrower role for local authorities and the Governance and Financial Viability Standard, and Value for Money Standard do not apply. Further detail on which standards apply to different landlords can be found on our standards page. 

We assess the performance of landlords through inspections and by reviewing data that landlords are required to submit to us. In Depth Assessments (IDAs) were one of our previous assessment processes, which are now replaced by our inspections programme from 1 April 2024. We also respond where there is an issue or a potential issue that may be material to a landlord’s delivery of the outcomes of our standards. We publish regulatory judgements that describe our view of landlords’ performance with our standards. We also publish grades for landlords with more than 1,000 social housing homes. 

The Housing Ombudsman deals with individual complaints. When individual complaints are referred to us, we investigate if we consider that the issue may be material to a landlord’s delivery of the outcomes of our standards.  

For more information about our approach to regulation, please see Regulating the Standards.

Further information

• Regulating the standards

• Regulatory standards for landlords