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Page 1: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC
Page 2: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

Delivering communities of the future

Chair: Helen Brindley, CIH North East board memberDr. David Kelly, group director, BRE Innovation Park

NetworksSimon Williams, head of delivery, Home Group

Craig Kaminsky, quality assurance manager, Home Group

Page 3: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

Gateshead Innovation Village

Page 4: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

Volumetric Light Gauge Steel FrameBuilt in a factory transported to site fully finished inside & outSix weeks construction in factoryOne day installation on site from foundation upwards

Page 5: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

Volumetric Light Gauge Steel FrameBuilt in a factory transported to site fully finished inside and outSix weeks construction in factoryOne day installation on site from foundation upwards

Page 6: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

Volumetric Timber FrameBuilt in a factory transported to site fully finished inside and outin three sections per floorSix weeks construction in factoryOne day installation on site from foundation upwards

Page 7: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

MMC Light Gauge Steel PanelisedSteel Wall panels with insulation on the outside installed in a factory delivered and erected on site (Flat Pack)Semi-detached house watertight in one week on site as appose12 weeks traditional builtupwards

Page 8: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

MMC Aerated Concrete Concrete panels pre cut and erected on siteSemi-detached house watertight in one week on site as appose12 weeks traditional builtMaterial order only built by ContractorNever built before in UK - product shipped from Europe

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Traditional Built on site by the main Contractor12 weeks on site until watertightApprox. 24 weeks build time

Page 10: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC
Page 11: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

Horizon Scanning

EPBD nearly zero energy buildings 2021

2016 Zero Carbon Homes Scrapped

No coal burnt generating UK electricity

Future Homes Standard

SAP 2012…………………SAP 2000 & when?

Low-carbon energy forms majority of UK

electricity

The energy performance gap

Build costs

Code for Sustainable Homes wound down

Build costs

Clean Growth Strategy

Kg

CO

2e

per

kW

h

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Traditional

ILKE

Premier Modular

Xella

Simply Modular

Intelligent Steel

*Pulse heating test,temperature,humidity &CO2 monitoring

M&E strategies

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M&E StrategiesO

pti

on

A

Kensa Shoe Box GSHP Hot water cylinder

Micro district heating bore hole array

LTHW radiators Wondrwall Intelligent controls

Op

tio

nB

Quantum electric storage heaters

PV diverter Roof mounted solar PV

Direct electric Sunamp phase change heat store

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Op

tio

nC

ASHP external condenser

Heatexchanger

LAN adapter

Roof mounted Solar PV

Sunamp phase change heat store or cylinder

LTHW Radiators

Op

tio

nD

Electric panel heater Roof mounted Solar PV

Cylinder 3kW AC & 2kW DC immersions

ELE 2.4kWh PV battery, patch panel & DC power

MVHR

M&E Strategies

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Future homes Standard Consultation2025 Future Homes Standard – 75 to 80% less CO2 than current Part L 2013.

2020 Part L consultation as a stepping stone, two options.

Specification Part L 2020 option 1 GIV enhanced fabricOption B & D

Part L 2020 option 2 GIV standard fabricOption A & C

External U-value (W/m2K) 0.15 0.15 0.18 0.25

Party Wall U-value (W/m2K) 0.0 0.0 0 0

Roof U-value (W/m2K) 0.11 0.1 0.11 0.1

Floor U-value (W/m2K) 0.11 0.12/0.16 0.13 0.18

Window U-value (W/m2K) 0.8 1.4 1.2 1.4

Air permeability (m3/h/m2@50 Pa) 5 5 5 5

PV installation area (% of building foundation)

0% 50% 40% 50%

Option 1 Future Homes Fabric – enhanced fabric, triple glazing, shower waste water heat recovery & gas boiler (20%less CO2 in comparison to Part L 2013).

Option 2 Fabric + tech – slight fabric improvement, shower waste heat recovery, gas boiler & renewables or low carbon heating system (31% less CO2 in comparison to Part L 2013).

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Specification/M&E Option % DER < TER (SAP2012 fuelemission factor)

% DER < TER (SAP10.1 2020 fuel emission factor)

Property cost uplift over Part L 2013

Life cycle & Maintenance Costs

Running Costs

A- GSHP micro district heating, smart controls & system 3 extract.

40.1% 76.7% £8,668.00 ? ?

B- Storage heaters, 3kWp PV, diverter, phase change store, system 3 extract.

27.6% 72.1% £4,600.00 ? ?

C- ASHP, 3kWp PV, LAN adapter, cylinder or phase change store, system 3 extract.

77% 91.1% £7,445.00 ? ?

D- Panel heaters, 3kWp PV, ELE 2.4kWh battery, patch panel, DC power & MVHR.

44.6% 78.7% £4,600.00 ? ?

M&E interim findings2025 Future Homes standard – 75 to 80% less CO2 than current Part L 2013.

DER – Dwelling CO2 Emission Rate – annual kg of CO2 per m2 floor area.

Option 1 – Enhanced fabric & shower waste heat recovery, 20% reduction - £2,560.00

Option 2 – Slight fabric increase, shower waste heat recovery & PV, 31% reduction - £4,850.00

Low carbon heating system now, 31+% reduction- £3,130.00

Part L consultation impact assessment

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Building a better world together

www.bregroup.com

21 November 2019

BRE Innovation Parks and GIV

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Garston, Ravenscraig, Liverpool, Gateshead

Vaughan, Ontario

Brasilia, Brazil

Santiago, Chile

Gui’an, China

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Innovation Parks Network

‘Our vision for the BRE Innovation Parks is to establish a unique and

unparalleled research and demonstration network, which inspires

and develops innovative solutions that will inform the

development of the global built environment. This network will work

with local and international stakeholders to identify and support

innovations which demonstrate true sustainability and deliver

social, economic and environmental benefits at the national and

international levels’.

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BRE and GIV

• Assessment of building performance

• Influence of occupant behaviour

• Comparison of different fabric options

• Comparison of different energy systems

Innovation – data - confidence

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Suitable for retrofitting and new building design - pre and post

occupancy monitoring

Development of new approach to combining simulation modelling

and monitoring

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Fabric

Plot Beds m2 Type Construction standard enhanced Services ATT result

3 2 78 Semi ICARUS x C

8 2 78 Semi ICARUS x B

39 2 78 Semi ILKE x C 4.96

41 2 78 Semi ILKE x B 4.63

10 2 78 Semi PREMIER MODULAR x C

12 2 78 Semi PREMIER MODULAR x B

22 2 78 Semi SIMPLY MODULAR x D 5.69

19 2 78 Semi Traditional x C

25 2 78 Semi Traditional x B

5 2 78 Semi XELLA x B 6.61

16 3 83 Semi XELLA x B

Air permeability tests

Plot ATT result

4 6.38

6 7.78

7 6.03

16 6.76

17 4.97

18 tbc

23 4.29

24 6.21

27 5.51

28 5.51

29 5.81

31 5.76

32 5.94

36 4.45

37 4.51

38 5

40 4.03

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Thermostat controlling heat input

Temp/RH sensor (wireless) to enable

monitoring from outside whilst test is ongoing

Temp/RH sensor (with wireless link to

datalogger)

Wire clamps / energy meter on heat

input (wireless link to datalogger)

Circulating fans

not visible

Pulse test set-up

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Pulse Test approach

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Gateshead Innovation Park Project

CO2 sensor datalogger. Sits on floor.

230V socket required. NB: this is different

(in addition to) the 3-4 hubs that will be

required to monitor temp/RH across the

entire site

CO2

AC1

CO2 Detector. Wall mounted at 1150

AFFL. Supply from nearby 230V socket

13 A socket required.

CO2

AC1

Log

A

B

C

D

AC1

Gateshead project in association with Innovation Park Network

Long term monitoring sensor locations

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‘Voice of the Customer’

/ Post Occupancy Evaluation

Aim: Evaluate occupant satisfaction with their homes

Focus on design, layout, comfort, energy efficiency, operation, site…

Why: Occupant behavior has significant impact on energy and comfort,

particularly where new technologies/systems are installed (potential for

mis-understanding)

Provides feedback and learning to Homegroup

How: Quantitative & qualitative assessment (social psychologist led)

Questionnaire & focus groups sessions @ 2x distinct stages

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building a better world togethertogether

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www.bregroup.com

BRE Global

Watford, UK

WD25 9XX

+44 (0)333 321 88 11

[email protected]

www.bregroup.com

Thank you

Page 29: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

Any further Questions?

Page 30: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

Delivering communities of the future

Questions

Page 31: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

Delivering an asset-management strategy that drives your ambitions

Chair: Diane Carney, CIH North East board memberRichard Medley, founder and director, Housing

DynamicsGeorge Paterson, group director of property services,

Together Housing Group

Page 32: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

DELIVERING AN ASSET MANAGEMENT STRATEGY

THAT DRIVES YOUR AMBITIONSRICHARD MEDLEY, FOUNDER & DIRECTOR, HOUSING dynamics

Page 33: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

Asset Management is an area in which we can really have

AMBITION

www.housingdynamics.co.uk Richard Medley 07799 115571

So what are our ambitions

for the 2020s and how are

we going to achieve them?

As a sector, are

we ambitious

enough?

Page 34: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

Let’s start by thinking about what asset management is all

about

www.housingdynamics.co.uk Richard Medley 07799 115571

Having the right assets, of the right quality, in the right place, at the right time generating appropriate value to the business planScottish Housing Regulator, Strategic Asset Management, Aug 2012, Recommended Practice

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Let’s start by thinking broadly about what asset

management really is

www.housingdynamics.co.uk Richard Medley 07799 115571

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So, let’s think about what sort of properties might constitute the

right properties, in the right place, at the right time – meaning

they’re fully ‘fit for purpose for the 2020’s?

www.housingdynamics.co.uk Richard Medley 07799 115571

Well let’s think first about what aren’t…

Page 37: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

So, what is a MODERN HOME?

www.housingdynamics.co.uk Richard Medley 07799

115571

Page 38: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

So, what is a MODERN HOME?

www.housingdynamics.co.uk Richard Medley 07799

115571

Well let’s think first about what it isn’t…

Page 39: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

So, what is a MODERN HOME?

www.housingdynamics.co.uk Richard Medley 07799

115571

Well let’s think first about what it isn’t…

Page 40: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

So, what is a MODERN HOME?

www.housingdynamics.co.uk Richard Medley 07799

115571

Well let’s think first about what it isn’t…

Page 41: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

So, what is a MODERN HOME?

www.housingdynamics.co.uk Richard Medley 07799

115571

Well let’s think first about what it isn’t…

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Yet despite Decent Homes so many of our sector’s properties

are like this!

With issues such as:

www.housingdynamics.co.uk Richard Medley 07799 115571

• Stairs and steps meaning poor accessibility

• Low quality design

• Poor quality construction

• Difficult and expensive to heat

• Unattractive and unappealing appearance

• Dated and tired communal areas

• Uninspiring and poorly maintained grounds/landscaping

• Institutional entrances/doors

• Poor quality lighting giving inadequate illumination

And

more!

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DECENT HOMES…….

www.housingdynamics.co.uk Richard Medley 07799 115571

The irony of Decent Homes is that it has constrained

thinking. It has developed an industry and a mindset

for treating the properties we provide as a series of

components rather than as ‘fit for purpose’ homes?!

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So, we need to move on from Decent Homes.

What sort of homes do we need to be providing?

www.housingdynamics.co.uk Richard Medley 07799 115571

Let’s have a look…

Page 45: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

www.housingdynamics.co.uk Richard Medley 07799 115571

Page 46: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

www.housingdynamics.co.uk Richard Medley 07799 115571

Page 47: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

www.housingdynamics.co.uk Richard Medley 07799 115571

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www.housingdynamics.co.uk Richard Medley 07799 115571

So let’s create the

sort of homes we can

be proud to

provide….

And let’s create a wow

factor by thinking about

just four things!

Page 49: Delivering communities of the future pdfs/North East... · Sunamp phase change heat store or cylinder LTHW Radiators n D Electric panel heater Roof mounted Solar PV Cylinder 3kW AC

www.housingdynamics.co.uk Richard Medley 07799 115571

Walls

Floors

Lighting

Doors

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This is where MODERN HOMES comes in…

What does one look like? In addition to safe,

secure, fully compliant, in good repair, meeting

DHS etc…

www.housingdynamics.co.uk Richard Medley 07799 115571

• Level, easy access

• Good quality design with good space standards

• Good quality, properly thermally efficient construction

• Both easy and genuinely affordable to heat to help minimise energy bills

• Low overall utility and running costs

• Makes best use of modern technology (e.g. controls, self diagnosing boilers)

• Connected to the modern world

• Attractive, contemporary décor/environment

• Pathways and grounds of design/condition that set off the property

• Entrances and doors that have kerb appeal

• Good quality, low energy LED lighting

• Good space standards appropriate for the household

• Long term sustainable, to meet the needs of future residents

And

more?

!

All this sits nicely

with the Housing

Green Paper

which is inviting us

to move our

thinking on from

the 2006 Decent

Homes Standard.

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And as the 2020s are nearly upon us…

I’ll share the big five things from the

CIH Assets & Repairs 2020 Group

www.housingdynamics.co.uk Richard Medley 07799 115571

• SAFE HOMES - We need to build trust and confidence in our ability to provide safe homes

• RE-INVENTING DECENT HOMES - We need to drive up the quality of our homes and

neighbourhoods through ambition

• INNOVATION & TECHNOLOGY - We need to improve services, be more effective and reduce

costs by embracing the use of new technology to provide and maintain modern homes

• MONITORING & MEASURING THE RIGHT THINGS – We need to stop hitting the target but

missing the point

• THE RIGHT PEOPLE, THE RIGHT SKILLS - We need to develop the right people with the right

skills and the right expertise

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OUR FUTURE HOMES PRINCIPLES

Our new Future Homes Principles

We need to have drive and ambition to make sure the buildings, homes and places we provide are:

• SAFE – they are in a condition that inhibits risk, danger or injury to our customers and the community

• HEALTHY – they actively support the physical, mental and social wellbeing of our customers and the community

• FIT FOR PURPOSE – they are modern, with features, attributes and amenities that meet the needs and demands

of residents

• SUSTAINABLE – they will stand the test of time, protecting the long-term needs of our organisations, residents,

neighbourhoods and the planet

We need a PRINCIPLES BASED APPROACH, all within an organisation’s own context

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So let’s start to view our assets not just as individual

components from a stock condition survey but as a whole

housing offer, one that’s truly ‘fit for purpose’ and ‘fit for the future’

www.housingdynamics.co.uk Richard Medley 07799 115571

This is where the Asset Management Strategy

comes in…..

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Asset Management (and

Regeneration)Strategy

Delivering Ambitions

George Paterson

Group Director of Property Services

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Together Housing 38,000 homes

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Property Type Total

General needs 30,289

Affordable rent 3,224

Intermediate Rent 186

Care Homes 18

Housing for Older People 1,463

Supported Housing 423

Shared ownership663

Leasehold 1,365

Non social rental 395

Total 38,026

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Introduction

o Demand – create and sustain demand

o Standards – condition and attractiveness

o Consumer Standards – a given

o Total Investment – limited pots of money

o Priority for Investment – bold decisions

o Targeted Investment – what return do we get e.g. NPV,

reduced voids, long term returns

o Future Proofing – Energy, Zero Carbon agenda

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Ambitions

1. Homes and Communities where people want to live -consider what standards we need to achieve ?

2. Review performance of stock – is it an asset or a liability

and what is our role in Regeneration of Places as part

of our Strategic Investment work ?

3. How do we create homes for the future – key

considerations now and for the next 30 years ?

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Homes where people want

to liveEmpty Home StandardStock Condition StandardsEnvironmental Standards

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Quality Standard - Homes where people will

choose to live

Maintaining Components – condition and attractiveness of

kitchen and bathrooms, walls and doors.

Empty Homes Standard - A strategy of developing show

flats - increased spend on decoration and other incentives

e.g. carpets has helped attract new customers.

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Quality Standard ???

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Quality Standard

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Quality Standard ???

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Quality Standard

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Quality Standard ???

o Mount “Pleasant” Estate

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Quality Standard – Extra Care

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Places where people want

to liveRegenerationPartnershipsSocial Investment

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Using Data - the Insight matrix

o A tool for monitoring Performance & financial viability of our properties

o Used by SIG to inform investment decisions

o Used by Neighbourhoods/Lettings to identify areas needing Neighbourhood plans/Local lettings plans or marketing plans

o Ranks our 729 Housing areas - provides an Area summary

o Approx 20 indicators updated bi-annually, 1 years data

o Used across THG since 2015 – can identify trends and the impact of investment

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o Net Present Value (NPV) - £30k

o Income v Expenditure over 30 years

o Rent & Service charges, 30 year investment costs, Repairs, Management costs, Arrears and Void rent loss

o Service Performance (SP)

o Turnover, relet days, ASB, Arrears, Repairs costs, Indices of Multiple Deprivation, Demand, Length of tenancy,

o Overall - Combines NPV & SP

o RAG rates to THG targets.

o SIG focus on Red & Amber > Interventions to improve sustainability

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April 19 - NPV

Amber NPV’s have increased from last year, however are less than 2017. Separating out some schemes from larger housing areas has evidenced that there were issues which were being masked.

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SIG Dashboard Y&H Calderdale Lancs Total

Ongoing Options appraisals 0 4 1 5

Consider for Options appraisal 0 1 4 5

Approved Mini SIG projects 8 5 3 16

Approved major SIG projects 0 2 2 4

Demolitions 0 0 62 62

Ongoing Neighbourhood Plan 7 9 13 29

Sustainability and financial viability is a priority

for us

o STRATEGIC INVESTMENT GROUP bids

o Options appraisals

o Void performance

o Neighbourhood plans

o Stock disposals

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The Story so far.....

West Parade, Wheatley Court & Arran Ave

SOLD

Crib Lane, Rawson Wood & Pollitt Fields DEMOLISHED......awaiting redevelopment

Conversion &

Improvements

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Creating places where people want to live

o Canterbury Crescent – painting programme

o Rhodes Street – remodel flats to houses

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The option of last resort - demolition

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Pollit Fields – Demolition

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Stock Rationalisation – SaleThese flats are not an asset to Together but

may be to ALB.

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NHF – Great Places Commission

Key recommendations for Housing Associations –

o Commit to cross-sector partnership in each local area

o Commit to asset-based community development

o Review approach to property sales and transfers

o Embed wider community benefit requirements in their procurement strategies (EN/PP)

o Proactively engage with Local Authorities and Local Enterprise Partnerships (LEPs) - WYCA

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Crib Lane flats (Beech Hill) TIMELAPSE

www.youtube.com/watch?v=osAJCkgQBWg

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Calderdale Strategic Partnership - outputs

o 13 sites identified – 6 from Together Housing and 7 from CMBC

o 645 new homes to be built – mixture of affordable rent, shared ownership and market sale

o 5 year construction programme

o 5 Together Housing estates to be demolished at a cost of circa £7.2m – funded from the overall programme financial viability

o Significant regeneration within Calderdale – economic and environmental benefits

o Popular, new, mixed tenure estates created on sites that are currently under performing

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Future Challenges

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Coming up........

Woodbrook, The Albany &Beechwood Close to be

demolished & redeveloped

Rhodes St be

remodelled

Conversion & Improvements

Sheltered review

High rise Strategy

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Three Challenges Ahead

o High Rise Strategy – 20 high rise blocks

o Sheltered – mixture of one beds and bedsit flats –Blackburn and Calderdale

o Climate Change - what pace do we set for our Zero Carbon Strategy

This is in addition to the “day to day” job of decent homes, relet standard, compliance…

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Future proofing and Climate Emergency

o Rapid growth in political and public awareness of the impact of climate change

o UK Government Net zero carbon by 2050 commitments

written to law

o City region, local authority and RP commitments to

climate emergency and net zero carbon targets

o Future Homes Standard by 2025 – no fossil fuels in new

homes

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Implications

o A paradigm shift

moment?

o Planning policy and

building regulations

o Social Housing regulation

o Market change

o Technology change

Copy goes here

o Bullets go here

o And here

o And here

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What are the financial implications?

o Renewable Energy retrofit

o Solar PV and battery retrofit roll out

o Up front capital costs circa £7.5m per 1000 properties

o ROI based on 6% IRR for a 20 year model (but on-going)

o 20,000 properties - £200m

o Existing stock – GSHP and ASHP

o Gas to renewable heat – overall cost neutral

o Property fabric improvements

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Grenfell Enquiry – Future of High Rise?

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High rise – short/medium priority

o Option Appraisals for all 20 blocks

o Key issues are Fire safety, Services, Energy, Heating

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Retirement Living – Set the Standard

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Retirement Living – Set the Standard

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Retirement Living – Set the Standard

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Conclusion - spend on our key themes

Homes and Places where people want to live

o What standards do we set?

o Internals and Externals – Kerb Appeal

Strategic investment

o Option Appraisal for ALL High Rise Blocks

o Retirement Living - invest or divest?

Energy

o Pace for our Zero Carbon Strategy

o Start now – links to high rise strategy.

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Thank you

Any questions?

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Delivering an asset-management strategy that drives your ambitions

Questions

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