Decision

Together Housing Group Limited (L4464) - 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.	Upgrade	January 2026
Governance	G1 Our judgement is that the landlord meets our governance requirements.	Assessed and unchanged	January 2026
Viability	V2 Our judgement is that the landlord meets our viability requirements. It has the financial capacity to deal with a reasonable range of adverse scenarios but needs to manage material risks to ensure continued compliance.	Assessed and unchanged	January 2026

Reason for publication

We are publishing a regulatory judgement for Together Housing Group Limited (THG) following a stability check and responsive engagement completed in January 2026.

This regulatory judgement confirms a consumer upgrade to C1, a governance grade of G1 and a financial viability grade of V2.

Summary of the decision

From the assurance gained during responsive engagement, based on the evidence provided by THG, we have concluded that overall THG is delivering the outcomes of the consumer standards. THG has strengthened its understanding of the condition of its homes and its assurance and oversight of landlord health and safety risks, including the quality of information it uses to understand and monitor remedial actions and compliance. Based on this assessment, we have concluded a C1 consumer grade for THG.

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

Our judgement is that THG meets our viability requirements and has the financial capacity to deal with a reasonable range of adverse scenarios. However, it needs to manage material risks to ensure continued compliance. Based on this assessment, we have concluded a viability grade of V2 for THG.

Prior to this regulatory judgement, the landlord’s most recent consumer, governance and financial viability grades were C2, G1 and V2, which were issued in March 2025 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, held meetings with THG including with its non-executive directors, observed the Customer Voice Group and a scrutiny meeting, and spoke with THG’s tenants involved in scrutiny and wider engagement activities. We also reviewed a wide range of documents provided by THG.

How we reached our judgement

We carried out a stability check of THG as part of our annual stability check programme and undertook responsive engagement that focused on weaknesses in THG delivering the outcomes of the Safety and Quality Standard. This responsive engagement included discussions with THG and reviewing evidence demonstrating the improvements made in THG’s understanding of the condition of its homes, and the consequent improved outcomes for tenants.

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

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

Our regulatory judgement is based on all of the relevant information we obtained during the responsive engagement process and an analysis of information supplied by THG in its regulatory returns.

Summary of findings

Consumer - C1 - January 2026 

Following a programmed inspection that concluded in March 2025, we engaged with THG to understand how it was addressing the key issues identified. These related to a lack of sufficient progress in delivering its programme of stock condition surveys, which THG planned to improve through increasing the number of its homes with a recent stock condition survey, and weaknesses in the level of detail provided on reporting remedial actions.

Through our responsive engagement, we have assurance that THG has improved its understanding of the condition of its homes. There is a programme in place to ensure its baseline of stock condition information is refreshed on an ongoing basis through the completion of stock condition surveys, and the use of other information. THG will use this information to identify the investment needed to ensure tenants live in good quality, well maintained and safe homes. THG has also addressed the weaknesses with respect to the reporting of remedial actions through a revised building safety dashboard and associated arrangements.

 We have also reviewed the information contained in THG’s published performance information and regulatory returns to gain assurance that this information is consistent with an assessment of a consumer grade of C1. In a number of areas we have not changed our view of assurance gained during the 2025 regulatory inspection.

During our inspection in 2025, THG provided evidence-based assurance that it has appropriate systems in place to ensure the health and safety of its tenants in their homes and associated communal areas. THG demonstrated that it has a good understanding of its compliance position with landlord health and safety requirements. Its performance information demonstrated a good level of reported compliance with legal obligations.

THG also demonstrated through the previous inspection that it seeks an accurate and up to date record of the condition of its homes through a range of physical stock condition surveys and has a process for keeping this information up to date. THG uses the information it has to understand the quality and safety of tenants’ homes, and to make decisions on future investment to maintain and improve homes.

Through the inspection THG provided evidence that it provides an effective and timely repairs service to tenants and continues to implement actions to improve the service and outcomes to tenants.

In relation to the Neighbourhood and Community Standard, the inspection found that THG works in partnership with relevant organisations to deter and tackle anti-social behaviour and hate incidents in the neighbourhoods where it provides social housing.

Through the inspection we gained assurance that, in line with the Tenancy Standard, THG has arrangements in place to ensure properties are let in a fair and transparent way, working with appropriate third parties to allocate homes according to individual need. We saw evidence in the inspection of THG ensuring tenants are supported in sustaining their homes, including successfully helping tenants to access financial support.

In relation to the Transparency, Influence and Accountability Standard, we saw evidence during our inspection that THG’s complaint process is simple, accessible and publicised to tenants, and that complaints are addressed fairly, effectively, and in most cases promptly. THG’s board and all tenants receive reporting on complaints handling performance and insight, and there is evidence that this is used by THG to improve its services. We saw evidence that when tenant complaints are received, THG considers them and makes service improvements in response.

THG provides a wide range of opportunities for tenants to influence and scrutinise its strategies, policies and services. We saw evidence during our inspection that THG has arrangements in place to seek the views of tenants and enables them to provide scrutiny. This has directly influenced how THG delivers services to improve outcomes for tenants.

There are clear arrangements in place through which THG hears from its tenants and there is evidence of a wide range of meaningful engagement activities available to tenants. There are opportunities for tenants to be involved in short and long-term projects, and more structured arrangements including opportunities to influence as part of THG’s governance structure. We also saw evidence that tenant scrutiny and feedback has directly and positively impacted service delivery.

THG provided appropriate evidence during the inspection that it is making effective use of its performance and insight information. It provides a range of information to tenants through a variety of channels, and the information is used to support effective scrutiny, using neighbourhood and property level data.

Governance - G1 - January 2026

From the stability check and responsive engagement, 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 March 2025 following a programmed inspection of THG. Below are the findings in that judgement about THG’s delivery of our governance requirements.

Based on the evidence gained from the inspection there is assurance that THG’s governance arrangements enable it to effectively manage risk and adequately control the organisation, allowing it to deliver its objectives.

THG’s board has a clearly articulated corporate plan, business plan and associated strategies. These are subject to regular review internally and by tenants, and where appropriate THG draws on third-party expertise. Arrangements are in place for reporting on its strategic delivery, oversight of its financial risks, and building safety, and we have evidence that the board applies relevant scrutiny and oversight. An appropriate risk management and control framework aligned with the activities of the organisation is in place. THG’s board actively seeks and gains appropriate levels of assurance across a range of areas. We saw evidence of board challenge on performance against their strategic objectives and consideration of risks in its decision making.

Board ownership of stress testing, mitigation strategies and wider governance of risks through review of golden rules is evident. Stress testing demonstrates that THG can manage a reasonable range of risks should they arise. Reporting to board on stress testing and mitigation strategies provides sufficient detail for board to ensure oversight.

We identified some areas of improvement relating to board reporting, but we do not consider these to impact on the grading decision, as we saw evidence that existing reporting provides effective board oversight of key risks.

THG provided appropriate assurance that it has established and maintains clear roles, responsibilities and accountabilities within its leadership and governance structure, including well established roles for tenants. There is evidence that the relationship between the board and committees is working in line with its delegations to strengthen assurance in key areas of risk and compliance, with some areas to focus on as part of its programme of continuous improvement. An external review of THG’s governance took place in June 2024.

Board members’ skills, experience and knowledge are aligned with the activities of the organisation and there is a structured approach to effectiveness reviews and the development and appraisal of skills, which also feed into succession planning. We have seen evidence of this through board observation, meetings with non-executive directors, and executive team members, as well as reviewing relevant documents including meeting minutes.

An area of improvement identified during the inspection was data integrity. We sought assurance on THG’s approach to this at all stages of the inspection process, which demonstrated that THG was aware of, and taking action to address the matters identified.

Viability - V2 - January 2026

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

THG meets and continues to forecast compliance with its financial covenant requirements, with sufficient liquidity in place to deliver its plans, and it has the financial capacity to deal with a reasonable range of adverse scenarios. However, THG needs to manage material risks to ensure continued compliance, with investing in its existing homes to improve the quality and energy efficiency while continuing to develop new homes. THG also needs to manage its investment in its private finance initiative (PFI) scheme which has impacted on THG’s on-lending. We have therefore concluded the landlord’s grade is unchanged and issue a V2 grade for THG.

Background to the judgement

About the landlord

According to the 2025 statistical data return THG owns 37,192 homes in the north of England, mainly in Lancashire and West Yorkshire.

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