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Social Housing Explained: How Affordable Homes Work in England

A plain-English guide to social and affordable housing.

Social Housing Explained: How Affordable Homes Work in England Affordable Housing & Social Housing

Updated October 2026 · Fraser Bond

Housing · Social housing

Social housing explained

Councils& housing associations
Social rentlowest
Affordable rentup to 80%
Allocationby need
In short: Social housing is provided by councils and housing associations at below-market rents. Social rent is the lowest, usually well below market levels, while affordable rent can be up to 80% of local market rent. Homes are allocated through council housing registers based on need, and demand in London is very high. Social landlords are regulated, and since 2025 must meet strict timescales on damp and mould. Fraser Bond doesn't provide social housing, but we help people find private homes, including those receiving benefits.
TypeRent levelWho provides it
Social rentLowest, set by formulaCouncils and housing associations
Affordable rentUp to 80% of market rentMostly housing associations
Shared ownershipBuy a share, rent the restHousing associations

Types of affordable housing

Frequently asked questions

Who qualifies for social housing?

Councils set rules; priority is based on need.

What is affordable rent?

Rent set at up to 80% of local market rent.

Does Fraser Bond offer social housing?

No, but we help with private renting.

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