Independent housing finance specialists
Practical, independent advice for local authorities and the affordable housing sector. We help you structure funding, test viability and make confident financial decisions.
Strategic advice. Experienced practitioners. Lasting impact.
Selected clients
Services
From an annual advisory subscription to a single independent appraisal, every engagement is led by practitioners who have run council finance functions themselves.
Unlimited, on-demand access to housing finance specialists through one annual subscription. No per-query charges.
Experienced partners embedded in your service teams to challenge assumptions and drive better decisions. Interim or long term.
Independent investment appraisals that stand up to scrutiny committees, auditors and government funders.
A fresh technical look at policies and treatments to find recurring savings. MRP reviews alone have delivered six-figure annual savings for some clients.
Structure and discipline for funded capital programmes, from Outline Business Case through to grant drawdown.
Practitioner-led seminars, in-house sessions and webinars, designed around your team's needs.
Recent transactions
Two funding structures for Westminster City Council’s temporary accommodation portfolio, drawing on different pools of long-term capital.
Institutional funding · Temporary accommodation
Westminster City Council
368homes acquired that were previously leased as temporary accommodation
Sale and leaseback · Temporary accommodation
City of Westminster Pension Fund
£50mcapital released from existing temporary accommodation stock
Two different pools of long-term capital, one goal: turning an unmanaged financial risk into planned, asset-backed housing supply.
Nick HaverlyDirector
Who you work with
Director
Led by Nick Haverly FCPFA, our team combines technical expertise with first-hand experience of council finance. We work alongside you to turn complex challenges into clear, practical next steps.
Free tools
Ask questions about the Housing Revenue Account in England and get answers drawn from our HRA knowledge base, with sources.
Calculate the premium or discount on early repayment of PWLB debt, whether EIP, annuity or maturity.
Compare the net present value of PWLB annuity, EIP and maturity borrowing with index-linked private placement, using live reference rates.
Client feedback
Haverly Consulting has provided ongoing financial support to Guildford Borough Council including financial modelling and analysis, ongoing cashflow management, submission of Housing Infrastructure Fund (HIF) grant claims, and preparation of viability appraisals. This work has been fundamental to the development of the scheme.
Insights
The Social Housing Bill curbs Right to Buy, but its impact assessment shows replacements falling too. What it means for HRA plans and receipts.
The OBR's housing downgrade, a lower Green Book discount rate, new council duties and TA parked until 2027: the Budget small print for councils.
An extra £1.5bn for social rent and cheaper PWLB borrowing, but LHA stays frozen and TA subsidy is untouched. What the Budget means for councils.
How to buy
We are an approved supplier on three public sector procurement routes. How it works
Free initial consultation
Whether it is an HRA business plan, a TA cost pressure in your MTFP or a developer viability assessment, a 30-minute conversation is usually enough to tell you where the opportunity is.
