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  • Pages
01 Cover
02 Contents
03 At a glance
04 Highlights
05 Key Information
06 Chair's Statement
07 Chief Executive's Statement
08 Strategic Report
09 Financial and Operating Review
10 Value For Money
11 Risk Assurance Framework
12 Report of the Board of Directors
13 Environmental, Social and Governance Report
14 Independent Auditors Report
15 Financial Statements
16 Notes 1-2
17 Notes 3-18
18 Notes 19-35

settle at a glance

We are a customer-focused housing association providing over 10,000 households with a place to call home in communities across Hertfordshire, Bedfordshire, Buckinghamshire and South Cambridgeshire.

Our purpose is to help people who are struggling to find a place to live and stay in their homes comfortably so they can live the life they choose.

To achieve this purpose, we have a clear plan made up of four strategic themes that we are focused on delivering by 2024 – providing good services; being a well-run social business; delivering more homes; and being a place where people love to work. Working with residents and our partners we improve neighbourhoods and life outcomes for residents by investing in both the quality of new affordable homes and places.

Our values shape our organisation: we want colleagues to work collaboratively, to trust one another and to be proud to work in social housing and we want our business to be bold, pioneering and entrepreneurial. These values guide the way we work and the decisions we make, ensuring that everything we do helps deliver on our purpose.

We remain committed to increasing the supply of affordable homes in the areas in which we work and delivered an additional 278 new homes in 2022/23. This included 62 homes developed in 2021/2022 where customers were able to move in during 2022/23. We also completed one new commercial unit, as part of our regeneration programme at John Barker Place, in Hitchin, Hertfordshire.

We have another 233 homes in the pipeline this year and are contractually committed to 909 in total. The tenure for these new homes will be at least 90% affordable, with a mix of social rent, affordable rent, and shared ownership.

Finding home – hear Leesa’s story

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