recent quotes

"If no deal is reached between the UK and the European Union, the UK economy could face significant and permanent damage."

Colin Ellis, Moody's Investor Service Announcement - UK economic growth decelerates as consumption, housing market and financial conditions all weaken, 25th January 2019

"From July, we will carefully migrate up to 10,000 claimants, monitoring and adjusting our approach as needs be, before reporting our findings to Parliament. The lessons from the pilot will inform our next steps, but there will be no overall delay. Universal Credit migration will be completed, as planned, by the end of 2023. "

Amber Rudd, Secretary of State for Work & Pensions, Speech on the future of Universal Credit, 11th January 2019

"Changes in the UKs housing market have disproportionately affected low-income families with children. [...] Rising costs have been largely driven by increasing numbers of low-income families with children living in the private rented sector, due to reduced access to social housing and falls in home ownership. [...] At the same time, the protection provided by Housing Benefit has been weakened. "

The Joseph Rowntree Foundation, UK Poverty Report 2018, 4th December 2018


Welcome to the website of Hargreaves Risk and Strategy.

We are a specialist consultancy and research organisation, working with housing associations, funders and regulators on risk management, strategic planning and control.

latest news...

The sector prepares for Brexit

No Deal still a real possibility

With only a month to go before Brexit Day, the government has still not persuaded the House of Commons to agree the Withdrawal Agreement negotiated with the EU. It seems unlikely that any minor changes that could be effected will have sufficient weight to get the DUP or the ERG to support the deal, so Mrs May's tactic appears to be to run down the clock until sufficient Labour MPs support it rather than crash out with no deal. Housing associations should undertake a comprehensive stress test of the No Deal scenario and have robust contingency plans agreed to be deployed if a disorderly Brexit takes place at the end of March.

For more information, see the latest edition of the HRS Review.

2019 Members Conference

Our fourteenth Members' Conference took place on 28th February 2019 at the Institute of Directors in London. Slides and summaries of the presentations from the Conference will be made available after the event in the members' area.

The 2020 Conference will be on 27th February at the same venue.

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Hargreaves Risk and Strategy