1. Analytical work examining the literature on the importance of housing for health, education and wider well-being can be found at: http://www.scotland.gov.uk/Topics/Built-Environment/Housing/supply-demand/chma/marketcontextmaterials.
4. A summary of the written responses is available at - http://www.scotland.gov.uk/Topics/Built-Environment/Housing/reform/resources/responses
5. Homes for intermediate rent are homes which are available at below market rents in that area, but above social rents.
6. Several of the facts and figures in this Part are drawn from The Scottish Housing System: selected economic and social trends. See: http://www.scotland.gov.uk/Topics/Built-Environment/Housing/supply-demand/chma/marketcontextmaterials/scottishhousingsystem
7. There were 11,188 private sector completions in 2009/10 compared to 21,656 in 2007/08. Source: Housing Statistics for Scotland. http://www.scotland.gov.uk./Topics/Statistics/Browse/Housing-Regeneration/HSfS/NewBuildPrivate
8. The Special Liquidity Scheme was introduced in April 2008 to improve the liquidity position of the banking system, by allowing banks and building societies to swap their high quality mortgage-backed and other securities for UK Treasury Bills for up to three years. Further details can be found at: http://www.bankofengland.co.uk/markets/sls/sls-information.pdf
9. Evaluation of the Low-Cost Initiative for First Time Buyers - ODS Consulting, January 2011 http://www.scotland.gov.uk/Publications/2011/01/18142733/0
11. The Chief Planner wrote to local authority Heads of Planning on this subject in October 2010. A copy of that letter is available at http://www.scotland.gov.uk/Publications/2010/08/31132820/7
12. Publication is expected in March 2011.
13. Leasing agreements of this sort involve private rented landlords engaging social landlords to manage their properties for them.
14. See also The Scottish Housing System: selected economic and social trends, section 4.1.2. See: http://www.scotland.gov.uk/Topics/Built-Environment/Housing/supply-demand/chma/marketcontextmaterials/scottishhousingsystem The average (median) deposit for all (assisted and unassisted) first time buyers in Scotland was 6% in 2000 and increased to 25% in 2009 (latest figure is 23% in Q3 2010). Source: CML/BankSearch Regulated Mortgage Survey; link at http://www.cml.org.uk/cml/statistics
15. This calculation uses the Scottish input-output tables.
17. Feed in Tariff (FiT) is an environmental programme introduced by the UK Government on 1 April 2010 to promote the widespread uptake of a range of small-scale renewable and low-carbon electricity generation technologies. FiT requires Licensed Electricity Suppliers to pay a generation tariff to small-scale low-carbon generators for electricity generated.
18. Methods and opportunities for housing organisations to seek efficiency through procurement will be considered in the forthcoming report by Turner & Townsend, commissioned by the Scottish Government.
19. The calculation of this figure assumes that all councils apply a charge equivalent to double the current rate of council tax.
20. In January 2011, Glen Oaks HA secured £14.3 million through The Housing Finance Corporation's latest bond issue. This is the first time a Scottish housing association has been able to borrow long term funding from the capital markets, taking advantage of changes to the 20 year lease and standard security rules.
24. See: Scottish House Condition Survey - http://www.shcs.gov.uk
28. See SHCS Annual Report 2009. http://www.scotland.gov.uk./Publications/2010/11/23125350/0
29. See: http://www.cml.org.uk/cml/media/fact
31. There were 596,000 households in Social Housing as at 31 March 2010 Source: Housing Statistics for Scotland http://www.scotland.gov.uk/Topics/Statistics/Browse/Housing-Regeneration/HSfS/KeyInfoTables
32. UK Housing Review, 2006/2007
33. The Home Owner and Debtor Protection (Scotland) Act 2010 introduced the strongest legislative protection anywhere in the UK for those at risk of repossession. See: http://www.oqps.gov.uk/legislation/acts/acts2010/asp_20100006_en_1
34. A copy of the Housing Minister's letter to the FSA can be accessed here: http://www.scotland.gov.uk/Topics/Built-Environment/Housing/BuyingSelling/lettertoFSA
35. For more information on Home Reports, see: http://www.scotland.gov.uk/homereport
36. A consultation on consumers dismissing and replacing land maintenance companies will be launched shortly.
37. See Housing Benefit changes: Scottish Impact Assessment at http://www.scotland.gov.uk/Topics/Built-Environment/Housing/supply-demand/chma/marketcontextmaterials/hbchangesscottishimpact/
38. To achieve this it will be necessary to allow social landlords to take income into account in determining allocations. This will have virtually no effect on lets to social housing, which are based on other need factors and in practice are overwhelmingly targeted towards the poorest. But it will allow landlords to tailor intermediate or market rental provision to those able to afford them.
40. For further information on the Charter, see http://housingcharter.scotland.gov.uk/
42. Approximately 33% of households were estimated to be spending more than 10% of their income on fuel. Source - Scottish House Condition Survey 2009 - http://www.shcs.gov.uk
43. Scottish House Condition Survey 2009 - http://www.shcs.gov.uk
46. The public can access help through the Home Energy Scotland helpline (0800 512 012), which offers information on all Scottish Government home energy initiatives and help and expert advice on how to save energy and money in the home.
47. See paragraph 70
48. For further information see: http://www.scotland.gov.uk/Topics/Built-Environment/regeneration/pir/learningnetworks
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