Decision

Nottingham Community Housing Association Limited (4817) - Regulatory Judgement: 14 January 2026

Updated 14 January 2026

Applies to England

Our Judgement 

	Grade/Judgement	Change	Date of assessment
Consumer	C1 Our judgement is that overall the landlord is delivering the outcomes of the consumer standards. The landlord has demonstrated that it identifies when issues occur and puts plans in place to remedy and minimise recurrence.	Based on previous assessment	July 2024
Governance	G1 Our judgement is that the landlord meets our governance requirements.	Assessed and unchanged	January 2026
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	January 2026

Reason for publication

We are publishing a regulatory judgement for Nottingham Community Housing Association Limited (NCHA) following a stability check completed in January 2026.

This regulatory judgement confirms a governance grade of G1 and a financial viability grade of V1. NCHA has a consumer grade of C1 from a planned inspection completed in July 2024.

Summary of the decision

Based on the relevant information and evidence we reviewed in carrying out the stability check, our judgement is that NCHA 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 NCHA.

From the stability check, there is no evidence to indicate a change in governance grade is required. NCHA’s governance grade remains G1.

This regulatory judgement is based on a stability check which does not include a reassessment of NCHA’s delivery of the outcomes of our consumer standards.

Prior to this regulatory judgement, the landlord’s most recent consumer, governance and viability grades were C1, G1 and V1 which were issued in July 2024 following an inspection.

During the inspection, we considered all four of the consumer standards: the Neighbourhood and Community Standard, the Safety and Quality Standard, the Tenancy Standard, and the Transparency, Influence and Accountability Standard.

During the inspection we observed a board meeting and tenant scrutiny panel, spoke with tenants, held meetings with NCHA and its non-executive directors, and reviewed a wide range of documents provided by NCHA.

How we reached our judgement

We carried out a stability check of NCHA as part of our annual stability check programme.

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

In confirming NCHA’s governance grade as part of the stability check, our work was limited to verifying that the information contained in NCHA’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

Consumer – C1 – July 2024

Below are the findings of our most recent regulatory judgement about NCHA’s delivery of the outcomes of our consumer standards, which assessed NCHA’s consumer grade as C1. The regulatory judgement was issued in July 2024 following a programmed inspection.

During the inspection NCHA provided evidence-based assurance that it has appropriate systems in place to ensure the health and safety of tenants in their homes and associated communal areas. Following an internal audit NCHA commissioned external, specialist support and has demonstrated delivered improvements in its health and safety processes to triage and prioritise cases accordingly. 

There is evidence that NCHA keeps an accurate record of the condition of its homes through physical surveys and has a process for keeping this information up to date. NCHA has demonstrated that it uses its understanding of the quality and safety of its tenants’ homes to make decisions on future investment to maintain and improve homes.

NCHA has demonstrated that it provides an effective repairs service to tenants and takes action to improve the service and outcomes for tenants when issues occur. NCHA identified issues with the time taken to complete repairs. In response, NCHA has made a proactive and tenant-focused change to the repairs service to deliver better outcomes for its tenants. 

We gained assurance that NCHA prioritises the safety and security of its communities with a homes and wellbeing promise, dedicated community safety team, a policy that sets out its approach to managing anti-social behaviour (ASB) and hate incidents, specific targets on ASB performance and regular reports to board on a range of data to allow scrutiny of performance in this area. NCHA works with relevant organisations to deter and tackle ASB in its neighbourhoods and we were provided with examples of this happening in practice. 

NCHA has an allocations policy that sets out its approach to ensuring all properties are let in a fair and transparent way. NCHA’s board monitors this through quarterly reports. We saw evidence of NCHA ensuring tenants are supported in sustaining their tenancy, with targets set to increase performance in relation to different tenant groups. 

Overall NCHA’s approach is delivering the outcomes of the consumer standards in relation to transparency, influence and accountability. NCHA’s board reviews regular reports on performance against specific targets on inclusion and treating customers fairly and with respect. NCHA demonstrates an active approach to considering tenants’ diverse needs in the design and delivery of services and monitors its performance in continuing to deliver outcomes to tenants in this area.   

NCHA regularly reviews performance information on complaints handling. It provided evidence that it learns from information on complaint types and outcomes and uses this to make improvements. 

NCHA provides a wide range of opportunities for tenants to influence and scrutinise its strategies, policies and services. There are clear arrangements in place through which NCHA hears from tenants. There is also evidence that feedback from tenants has directly and positively impacted service delivery. NCHA has provided appropriate assurance that it makes effective use of its performance data to shape services and provides a range of information to tenants to support effective scrutiny. Improvements made as a result of scrutiny reviews by tenants include changes to complaints handling which improved consistency and reduced response times. NCHA recognises the need to increase the number of tenants involved in influence and scrutiny activity and is continuing to focus on this. 

Governance – G1 – January 2026

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

Prior to this regulatory judgement, we issued a regulatory judgement in July 2024 following a programmed inspection of NCHA. Below are the findings in that judgement about NCHA’s delivery of our governance requirements.

Based on the evidence gained from the inspection there is assurance that NCHA’s governance arrangements enable it to effectively manage its risk and adequately control the organisation, allowing it to deliver its objectives. NCHA’s board demonstrated that it provides challenge on performance against the organisation’s strategic targets and consideration of risk appetite in strategic decision making.  

NCHA has provided appropriate assurance that its board proactively reviews its approach to delivering against its purpose and regularly considers alternative options to ensure it is achieving value for money in making best use of resources.    

NCHA was able to provide evidence that it has established and maintains clear roles, responsibilities and accountabilities within its leadership and governance structure. The relationship between its board and committees is working in line with its delegations to strengthen assurance in key areas of risk and compliance.   

Continuing governance improvement is evidenced through annual effectiveness reviews and in-depth periodic external governance reviews. The most recent external review took place in October 2023, and recommendations have informed an action plan being monitored by the board.    

Board member skills, experience and knowledge are aligned with the activities of the organisation and there is a structured approach to developing and appraising skills to support succession planning. We have seen evidence of this through board observation, meetings with non-executive directors and the executive team as well as reviewing relevant documents including meeting minutes.    

NCHA has a risk management and control framework that aligns to its strategic risks. There is evidence of robust discussion and board challenge of the controls and assurance on strategic risks and of risks being managed effectively in practice.    

There is evidence that NCHA’s board actively seeks and gains an appropriate level of assurance across a range of areas. There is evidence of how this assurance has been used to make improvements including on the approach to anti-social behaviour, stock condition data, and damp and mould.   

Board ownership of stress testing, mitigation strategies and wider governance over risks through regular and structured review of golden rules is evident. Reporting to board provides sufficient detail for the board to ensure effective oversight. 

Viability – V1 – January 2026

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

NCHA’s financial plans are consistent with, and support, its financial strategy. It has an adequately funded business plan, sufficient security in place and is effectively managing its treasury arrangements. NCHA is engaging in a programme of property sales, including homes for sale on the open market, which it must continue to manage the associated risks of.

Stress testing demonstrates that financial capacity is built into NCHA’s business plan. It forecasts to continue to meet its financial covenants under a wide range of adverse scenarios. NCHA’s forecast assumptions are prudent and there is financial capacity in the business plan to increase forecast investment in existing homes if required.

Background to the judgement

About the landlord

According to the 2025 statistical data return NCHA owns 10,686 homes in the East Midlands.

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