https://toolkit.radicalroutes.org.uk/api.php?action=feedcontributions&feedformat=atom&user=Da5nsy 2026-06-09T22:23:57Z User contributions MediaWiki 1.45.3 https://toolkit.radicalroutes.org.uk/index.php?title=Being_a_landlord_(at_the_same_time_as_being_a_tenant)&diff=773 2026-05-20T11:41:15Z

<p>Da5nsy: </p> <hr /> <div>You will be collective guardians of a co-op and of the property held in common ownership for yourselves and future generations. You will also collectively be a &quot;landlord&quot;, with legal responsibilities towards your tenants. And you will all be tenants, with legal responsibilities to your &quot;landlord&quot;.<br /> <br /> Obviously the line between tenant and landlord responsibilities is blurred, since you will be both at once.  However, it may become important to distinguish – for example, in cases where money has to be spent fixing something.<br /> <br /> == Sharing the landlords responsibilities ==<br /> Managing the property, finances, and people in a co-op can be a lot of work. Some co-ops set out the minimum commitments for co-op members in a &quot;membership agreement&quot;, which outlines how much every member needs to put into helping the co-op function smoothly. This helps the co-op to make the responsibilities clear when members are applying to join. It can also be a useful reference when there are disputes between members about workload.<br /> <br /> Not all co-ops have a membership agreement, some cover these responsibilities in their policy documents or secondary rules instead. Most co-ops refer to members' obligations in their tenancy agreements, and may explicitly state that breaking the membership agreement can be grounds for expulsion. It is important that the co-op is allowed to terminate a tenancy for any reason (as long as it is agreed by General Meeting). This is explicitly covered by the 'new' set of model rules from 2014 (RRFM-14), but if your co-op is still registered on the 'old' set of model rules from 1996 (RRFM-96) then this is not clearly defined in the rules. <br /> <br /> == Tenancies ==<br /> Every housed member should have a written tenancy agreement, signed by the tenant and at least one representative of the co-operative, before moving in. It is good practice for the co-op to have one prepared in advance.<br /> <br /> '''Radical Routes has published a model tenancy agreement which you can use''', it is right at the bottom of the [https://www.radicalroutes.org.uk/publications-resources/ publications and resources page]. We do not advise writing your own agreement without advice - there are issues which might seem like a good idea for fully mutual housing co-ops, but could fall foul of the law.<br /> <br /> Unlike tenants of housing associations or other landlords, the tenants of a fully mutual housing co-operative do not have an Assured Shorthold Tenancy. This should ''not'' mean a tenancy in a housing co-operative is more vulnerable. Assured Tenancies are designed to protect tenants from unscrupulous landlords; in a fully mutual co-operative, the tenants are their own landlord and do not need protection from themselves. You still have a contractual tenancy - a right to occupy the property.<br /> <br /> There has been a lot of discussion about the relationship between the rules of a housing co-operative and the tenancy agreement, due to what is known as 'the Mexfield ruling'. This has caused issues for housing co-operatives in general. Currently (March 2023), the best advice is that any agreement for tenancy or otherwise must have a straightforward 4 weeks 'notice to quit' in it, which the co-operative can give to any member or resident under any circumstances. The main protection for a tenant member remains in the rules of the co-operative. <br /> <br /> There is lots of info on the internet about the Mexfield ruling, which is worth reading if you want to understand it better, though a lot of it is more relevant to large housing co-ops with management committees and staff.<br /> <br /> == Tenant responsibilities ==<br /> They can probably be summed up as ‘stick to what’s in your tenancy agreement’. Some of them don’t apply to people in shared houses and some shouldn’t need saying! As with many rules, they become important when things are going wrong or people are in dispute.<br /> <br /> These points are taken from lists on [https://england.shelter.org.uk/housing_advice/private_renting/tenants_responsibilities Shelter’s] and the [https://www.gov.uk/government/publications/landlord-and-tenant-rights-and-responsibilities-in-the-private-rented-sector/landlord-and-tenant-rights-and-responsibilities-in-the-private-rented-sector gov.uk] websites.<br /> <br /> * You must give your landlord access to the property to inspect it or carry out repairs. Your landlord has to give you at least 24 hours’ notice and visit at a reasonable time of day, unless it’s an emergency and they need immediate access.<br /> <br /> You are also responsible for<br /> <br /> * taking good care of the property, for example, turning off the water at the mains if you’re away in cold weather<br /> * paying the agreed rent, even if repairs are needed or you’re in dispute with the co-op<br /> * paying other charges as agreed with the co-op, e.g. utility bills<br /> * repairing or paying for any damage caused by you, your family or friends. Keep receipts for this, in case there is any dispute at the end of your tenancy<br /> * not using unsafe appliances<br /> * reporting any repairs needed to the rest of the co-op<br /> * disposing of your rubbish properly<br /> * sticking to the terms in your tenancy agreement regarding smoking, pets, parking and gardening<br /> * making sure your home is well ventilated, to help avoid condensation and dampness<br /> <br /> Your landlord has the right to take legal action to evict you if you don’t meet your responsibilities.<br /> <br /> == The Right to Rent ==<br /> Since February 2016, to force landlords to support the government's racist anti-immigration agenda, it has been a legal requirement for landlords to<br /> <br /> * check all prospective tenants' ID (eg passport or birth certificate) in the presence of the tenant<br /> * only offer them a tenancy if they have a right-to-rent (British citizens, EU/EEA citizens, people with indefinite leave to remain) or time-limited right-to-rent (people on visas)<br /> * re-check the right-to-rent of any time-limited tenants when their eligibility is due to expire<br /> <br /> Co-ops found to be renting to someone they're not allowed to risk a £1000 fine the first time and £3000 each time it happens again.<br /> <br /> The government advises landlords to keep a secure, non-editable copy of all tenants' IDs for at least a year after the tenant leaves. This is in case the landlord is accused of renting to a tenant who doesn’t have the right to rent – it can be used in the landlord’s defence.<br /> <br /> Obviously this is a hideous infringement on everybody's civil liberties. It is horrendously racist, it interferes with co-ops' autonomy and freedom to rent to whoever they like (ie choosing the members they want) and it also brings up practical concerns about privacy and security.<br /> <br /> Just for clarity, co-ops can have foreign members and fully mutual housing co-ops can have members who are prospective tenants. So it would be possible to have a foreign member of your co-op (who doesn’t have permission to remain in the country) living with you, as long as<br /> <br /> * you've minuted that you intend to make them a tenant as soon as you're legally allowed to, ie they are prospective tenants<br /> * they are not paying the co-op money which could be construed as being rental income, ie beyond food or utilities contribution.<br /> <br /> For more detailed information, download the government's 'Code of practice on illegal immigrants and private rented accommodation'.<br /> <br /> == Taking care of your tenants ==<br /> <br /> <br /> <br /> The gov.uk website gives very clear and reasonably comprehensive information for both landlords and tenants. We've copied here the bits that seem most relevant.  We recommend you read through the site yourself, as legislation and regulations are constantly changing.  This list is correct as at November 2016 and is followed by a few extra specifics from Shelter for clarity<br /> <br /> www.gov.uk/renting-out-a-property/landlord-responsibilities<br /> <br /> [https://www.gov.uk/renting-out-a-property Government list] excerpts<br /> <br /> * keep your rented properties safe and free from health hazards<br /> * make sure all gas and electrical equipment is safely installed and maintained<br /> * provide an [[Energy Performance Certificate]] for the property<br /> * if your members have short-hold assured tenancies, protect your tenant’s deposit in a government-approved scheme (this isn't necessary for most small housing co-ops)<br /> * check your tenant has the right to rent your property if it’s in England<br /> * give your tenant a copy of the How to rent checklist when they start renting from you (you can email it to them)<br /> * fit and regularly test smoke alarms and carbon monoxide alarms<br /> * follow fire safety regulations for property in flats<br /> <br /> [https://england.shelter.org.uk/housing_advice/private_renting/landlord_responsibilities Shelter’s list:] excerpts<br /> <br /> * To maintain the structure and exterior of the property, hot water installations and water supply, electrical wiring, basins, baths, sinks and toilets, etc.<br /> * To ensure the building complies with building regulations<br /> * To ensure that all gas appliances are safely maintained by CORGI-registered engineers<br /> * To provide furniture (if the property is furnished) that meets necessary fire regulations<br /> * To provide and maintain fire alarms, fire extinguishers, fire blankets, fire escapes and smoke or heat alarms.<br /> <br /> == Houses in Multiple Occupation (HMOs) ==<br /> You will probably be sharing a house together, unless the co-op has plenty of money and everyone wants to live separately. Any property housing more than 2 unrelated people who are not owners or leaseholders is a &quot;House in Multiple Occupancy&quot; or HMO&quot;, according to The Housing Act 2004. HMOs need to be licensed with your [https://www.gov.uk/find-local-council local authority].<br /> <br /> Since the Localism Act 2011 ([https://publications.parliament.uk/pa/bills/lbill/2010-2012/0100/lbill_2010-20120100_en_20.htm#pt7-ch6-pb4-l1g184 section 184]), fully mutual housing co-ops run by general meeting have been exempt from needing HMO licensing. This exemption will apply to your housing co-op if you are using [https://www.catalystcollective.org/home/housing-co-op-registration/rrfm14/ Radical Route's Fully Mutual 2014 rules]. This exemption was won through a long campaign by [http://www.fhaction.org.uk/ Friendly Housing Action] - a lobby group set up by Radical Routes to represent small housing co-ops. There is a lot more information about this legislation on their website.<br /> <br /> TLDR: if you are a fully mutual housing co-op managed by general meeting, then you are exempt from HMO licensing.<br /> <br /> === Licence requirements ===<br /> If you are NOT a fully mutual housing co-op managed by general meeting, you will need to pay an annual licence fee. <br /> <br /> Your co-op is almost certainly an HMO and NOT exempt from the licensing scheme if: <br /> <br /> 1.The residents are not members of a housing co-op or<br /> <br /> 2.The co-op doesn’t hold the lease or own the property or<br /> <br /> 3.The co-op’s rules are not fully mutual or<br /> <br /> 4.The co-op is managed by a committee<br /> <br /> This means you may need to apply for a HMO license from your [https://www.gov.uk/find-local-council local authority]. Different local authorities can have different definitions of HMO, check with your relevant local authority. <br /> <br /> Each local authority publishes building, fire, and security regulations which landlords must meet. These are likely to include: fire doors, more than one toilet for more than six residents, mains operated fire alarms, specific ventilation requirements, etc. They will be readily available from the council, usually through their website. You might wish to comply with these anyway as they represent higher health and safety standards than typical building standards, but they are only legal requirements for HMOs.<br /> <br /> Councils are usually reasonable about allowing landlords time to meet building regulations. If you don’t get a licence, the landlord (co-op) can be taken to court and fined and the council can claw back any housing benefit payments paid during the unlicensed period. And you’ll still have to get the licence and implement the requirements.<br /> <br /> == Collecting rent ==<br /> Your co-op will rely on rent to pay for all its outgoings: maintenance costs, bills, insurance, loan repayments, etc. If members aren’t contributing the agreed rent, this causes financial problems for the co-op and can cause stress and resentment between co-op members. To reduce likelihood of rent issues, make sure you have a good system for bringing in rent, and for keeping track of rent that has been paid. This can be pretty straightforward.<br /> <br /> Using a rent book or spreadsheet for each tenant, from the beginning of their tenancy, list:<br /> <br /> * the dates (weekly, 4-weekly or monthly) their rent was due<br /> * how much was due on each date<br /> * how much rent was paid<br /> * the balance outstanding<br /> <br /> It may feel odd checking up on your mates – in our society personal money is considered a very private thing and having to ask someone else about theirs can be embarrassing.  Also, no one wants to be in a position of having to nag their friends &amp; housemates, or even tell them off.<br /> <br /> Smaller co-ops often find that it's better to have a culture of openness about income and money from the start. This encourages honesty when people are struggling and a more open and collective approach to finding solutions. It's also a good idea to have a standard rent report to all co-op meetings, rather than only reporting when there are problems to highlight. This means that people are used to talking about being a week or two behind and the co-op will quickly notice if people start to get a month or two behind. <br /> <br /> Having a culture of openness also means that housemates have a much better sense for each other’s financial power. Your co-op might want a more radical rent policy than ‘people who can pay more get bigger rooms’ - for example, rent being a percentage of one’s income or all members having the same disposable income after rent. If so, it can really help to have honest conversations about the practical implications of options you’re exploring.<br /> <br /> == State benefits that cover rent ==<br /> These days it is possible that tenants living in the same local authority area might variously be receiving Housing Benefit, Local Housing Allowance (LHA) or Universal Credit (UC). The language around this is confusing as the phrase ‘housing benefit’ is used by some agencies to mean housing benefit, or Local Housing Allowance, or the housing component of Universal Credit.  However, most co-ops will not be registered providers of social housing, so their members will only be eligible for LHA or UC, not technically Housing Benefit.<br /> <br /> Shelter.org.uk have clear and comprehensive information about all three benefits.  Most single people and many couples should now be claiming Universal Credit.  UC is still only partially implemented and is covering different people in different places. However, some general claims info below will still be relevant.<br /> <br /> It is possible to apply for your benefits to be paid directly to your landlord (the co-op), but this is normally only granted in exceptional circumstances, so it is likely that all the co-op's claimant members will have their benefit paid into their own personal bank accounts.<br /> <br /> When making a housing claim, in general, benefit claimants in co-ops should argue that they live alone (or only with partner/family members). The authorities may choose to see unemployed tenants as living together and their benefits might be cut (as with couples living together in similar circumstances). We are not aware of any instance of officials taking such action, but the possibility exists. We recommend making sure that each tenant/member has a lock on their bedroom door and if you are expecting a visit from an official, consider labelling cupboards with members names. Showing territory staked out in this fashion should counter any claim that you are living at a level of intimacy that would allow the benefits of individuals to be cut.<br /> <br /> '''Housing benefit''' (HB) is often not paid retrospectively (although it should be, for up to 1 month) so applications need to be submitted from the first day of occupancy. Although it may take weeks (or in the worst cases, months) before the money actually comes through, they will usually cover rent from the Monday after the claim.<br /> <br /> The Local Housing Allowance rates are used to work out a person’s maximum LHA. How much any person actually receives will be reduced in proportion to that person’s income. The LHA rates are updated regularly, and different in different local areas, you can find the most up to date LHA for your area [https://lha-direct.voa.gov.uk/search.aspx here, searchable by postcode].. Co-ops working on a business plan will need to know the LHA level for the area they want to live in. Co-ops are expected to keep their rents within 10% of LHA if they are applying for a RR loan.<br /> <br /> Council Tax</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=761 2026-01-23T02:46:04Z

<p>Da5nsy: /* Introduction */ formatting, attempt #4</p> <hr /> <div><br /> == Introduction ==<br /> The Radical Routes Toolkit is a wiki containing guidance on how to set up and maintain housing co-operatives in the UK. <br /> It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> ''[https://www.radicalroutes.org.uk/ Radical Routes] has another wiki, with information on how the working groups within the organisation operate, if you're looking for that it is at [https://wiki.radicalroutes.org.uk/ wiki.radicalroutes.org.uk].''<br /> <br /> == Contents ==<br /> <br /> * What are Housing Co-ops?<br /> ** [[Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why]]<br /> ** [[Different_types_of_housing_co-ops| Different types of housing co-op]]<br /> ** [[Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord]]<br /> ** [[Secondary_Rules| Secondary rules]]<br /> <br /> * Early Set Up of a Co-op<br /> ** [[Legally_registering_as_a_housing_coop| Legally registering as a co-op]]<br /> ** [[Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief]]<br /> ** [[Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation]]<br /> <br /> * People<br /> ** [[Forming_a_group| Early recruitment and decisions]]<br /> ** [[Conflict_between_members| Conflict between members]]<br /> ** [[Breaking_down_hierarchies| Breaking down hierarchies]]<br /> ** [[Disability_and_Accessibility| Disability and accessibility]]<br /> <br /> * Finance<br /> ** [[Affording_a_house| Affording a house]]<br /> ** [[40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet]]<br /> ** [[Loan_stock| Loan stock]]<br /> ** [[Buying_a_property:_The_legal_process| The buying process]]<br /> ** [[Insurance | Insurance]]<br /> ** [[Audit_Requirements| Audit]]</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=760 2026-01-23T02:45:41Z

<p>Da5nsy: /* Introduction */ formatting, attempt #3</p> <hr /> <div><br /> == Introduction ==<br /> The Radical Routes Toolkit is a wiki containing guidance on how to set up and maintain housing co-operatives in the UK. <br /> It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> ''[https://www.radicalroutes.org.uk/ Radical Routes] has another wiki, with information on how the working groups within the organisation operate, if you're looking for that it is at [https://wiki.radicalroutes.org.uk/ wiki.radicalroutes.org.uk).''<br /> <br /> == Contents ==<br /> <br /> * What are Housing Co-ops?<br /> ** [[Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why]]<br /> ** [[Different_types_of_housing_co-ops| Different types of housing co-op]]<br /> ** [[Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord]]<br /> ** [[Secondary_Rules| Secondary rules]]<br /> <br /> * Early Set Up of a Co-op<br /> ** [[Legally_registering_as_a_housing_coop| Legally registering as a co-op]]<br /> ** [[Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief]]<br /> ** [[Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation]]<br /> <br /> * People<br /> ** [[Forming_a_group| Early recruitment and decisions]]<br /> ** [[Conflict_between_members| Conflict between members]]<br /> ** [[Breaking_down_hierarchies| Breaking down hierarchies]]<br /> ** [[Disability_and_Accessibility| Disability and accessibility]]<br /> <br /> * Finance<br /> ** [[Affording_a_house| Affording a house]]<br /> ** [[40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet]]<br /> ** [[Loan_stock| Loan stock]]<br /> ** [[Buying_a_property:_The_legal_process| The buying process]]<br /> ** [[Insurance | Insurance]]<br /> ** [[Audit_Requirements| Audit]]</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=759 2026-01-23T02:44:40Z

<p>Da5nsy: /* Introduction */ formatting, attempt #2</p> <hr /> <div><br /> == Introduction ==<br /> The Radical Routes Toolkit is a wiki containing guidance on how to set up and maintain housing co-operatives in the UK. <br /> It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> ''[https://www.radicalroutes.org.uk/ Radical Routes] has another wiki, with information on how the working groups within the organisation operate, if you're looking for that it is at [wiki.radicalroutes.org.uk](https://wiki.radicalroutes.org.uk/).''<br /> <br /> == Contents ==<br /> <br /> * What are Housing Co-ops?<br /> ** [[Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why]]<br /> ** [[Different_types_of_housing_co-ops| Different types of housing co-op]]<br /> ** [[Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord]]<br /> ** [[Secondary_Rules| Secondary rules]]<br /> <br /> * Early Set Up of a Co-op<br /> ** [[Legally_registering_as_a_housing_coop| Legally registering as a co-op]]<br /> ** [[Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief]]<br /> ** [[Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation]]<br /> <br /> * People<br /> ** [[Forming_a_group| Early recruitment and decisions]]<br /> ** [[Conflict_between_members| Conflict between members]]<br /> ** [[Breaking_down_hierarchies| Breaking down hierarchies]]<br /> ** [[Disability_and_Accessibility| Disability and accessibility]]<br /> <br /> * Finance<br /> ** [[Affording_a_house| Affording a house]]<br /> ** [[40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet]]<br /> ** [[Loan_stock| Loan stock]]<br /> ** [[Buying_a_property:_The_legal_process| The buying process]]<br /> ** [[Insurance | Insurance]]<br /> ** [[Audit_Requirements| Audit]]</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=758 2026-01-23T02:44:07Z

<p>Da5nsy: /* Introduction */ formatting</p> <hr /> <div><br /> == Introduction ==<br /> The Radical Routes Toolkit is a wiki containing guidance on how to set up and maintain housing co-operatives in the UK. <br /> It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> *[https://www.radicalroutes.org.uk/ Radical Routes] has another wiki, with information on how the working groups within the organisation operate, if you're looking for that it is at [wiki.radicalroutes.org.uk](https://wiki.radicalroutes.org.uk/).*<br /> <br /> == Contents ==<br /> <br /> * What are Housing Co-ops?<br /> ** [[Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why]]<br /> ** [[Different_types_of_housing_co-ops| Different types of housing co-op]]<br /> ** [[Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord]]<br /> ** [[Secondary_Rules| Secondary rules]]<br /> <br /> * Early Set Up of a Co-op<br /> ** [[Legally_registering_as_a_housing_coop| Legally registering as a co-op]]<br /> ** [[Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief]]<br /> ** [[Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation]]<br /> <br /> * People<br /> ** [[Forming_a_group| Early recruitment and decisions]]<br /> ** [[Conflict_between_members| Conflict between members]]<br /> ** [[Breaking_down_hierarchies| Breaking down hierarchies]]<br /> ** [[Disability_and_Accessibility| Disability and accessibility]]<br /> <br /> * Finance<br /> ** [[Affording_a_house| Affording a house]]<br /> ** [[40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet]]<br /> ** [[Loan_stock| Loan stock]]<br /> ** [[Buying_a_property:_The_legal_process| The buying process]]<br /> ** [[Insurance | Insurance]]<br /> ** [[Audit_Requirements| Audit]]</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=757 2026-01-23T02:43:49Z

<p>Da5nsy: /* Introduction */ Add link to other wiki</p> <hr /> <div><br /> == Introduction ==<br /> The Radical Routes Toolkit is a wiki containing guidance on how to set up and maintain housing co-operatives in the UK. <br /> It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> _[https://www.radicalroutes.org.uk/ Radical Routes] has another wiki, with information on how the working groups within the organisation operate, if you're looking for that it is at [wiki.radicalroutes.org.uk](https://wiki.radicalroutes.org.uk/)._<br /> <br /> == Contents ==<br /> <br /> * What are Housing Co-ops?<br /> ** [[Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why]]<br /> ** [[Different_types_of_housing_co-ops| Different types of housing co-op]]<br /> ** [[Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord]]<br /> ** [[Secondary_Rules| Secondary rules]]<br /> <br /> * Early Set Up of a Co-op<br /> ** [[Legally_registering_as_a_housing_coop| Legally registering as a co-op]]<br /> ** [[Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief]]<br /> ** [[Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation]]<br /> <br /> * People<br /> ** [[Forming_a_group| Early recruitment and decisions]]<br /> ** [[Conflict_between_members| Conflict between members]]<br /> ** [[Breaking_down_hierarchies| Breaking down hierarchies]]<br /> ** [[Disability_and_Accessibility| Disability and accessibility]]<br /> <br /> * Finance<br /> ** [[Affording_a_house| Affording a house]]<br /> ** [[40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet]]<br /> ** [[Loan_stock| Loan stock]]<br /> ** [[Buying_a_property:_The_legal_process| The buying process]]<br /> ** [[Insurance | Insurance]]<br /> ** [[Audit_Requirements| Audit]]</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief&diff=756 2026-01-22T17:40:38Z

<p>Da5nsy: /* What it is */ punctuation fix</p> <hr /> <div>== Start up finance ==<br /> Somewhere between first meeting as a group and getting a property you will find you need to spend some money. It is difficult for unincorporated groups to open bank accounts so pre-registration you are likely to have to use members' personal accounts. If you keep good records of this income, and expenditure made against it, the income can be recorded as a loan to the co-op and repaid later if the project gets off the ground. These records need to include: Date; type of transaction (e.g. “subscription income”, “travel expense”, etc); who is owed or paid; and where the evidence of the transaction is kept (i.e the receipt).<br /> <br /> You might need money for travel to meetings and workdays or for registration fees. You could have a whip round when necessary, but for people on low incomes the possibility of being asked for money unpredictably can be worrying. A 'subscription' system, where every member pays say, £5 per week into a kitty can be a good way of spreading costs, and it can help clarify who is committed to the group. Be clear about whether everyone paying subscription has been accepted for membership. <br /> <br /> Having a pot of money which you manage together is also a good chance to practice consensus decision making as a group.<br /> <br /> == Things co-ops have done to raise money include: ==<br /> <br /> * Asking friends and relatives for donations<br /> * Holding fundraisers like crowdfunding appeals, jumble sales, car boot sales or benefit gigs<br /> * Organising sponsored events in aid of your project<br /> * Asking local companies to make a donation to your cause<br /> * Applying to charities. You may qualify for help from charities or other grant-making bodies. If some of your members are disabled you might be able to get money from appropriate charities or social services. Get a copy of ‘A guide to the major trusts’ published by the Directory of Social Change, or ask for it at your local reference library. This may also be a route to financial support for buying a property.<br /> <br /> == Opening a bank account ==<br /> Once your co-op is registered with the FCA it should open a bank account. The bank's application form will include the wording of a motion which a co-op general meeting will need to pass. Get a bank account with at least a 'dual mandate' system which means all cheques need two signatures and online payments need two authorisers. <br /> <br /> == Getting tax relief from Corporation Tax ==<br /> <br /> === What it is ===<br /> Fully mutual housing co-ops gets tax advantages and it is very important that you apply for these as soon as possible.<br /> <br /> Once approved you can disregard all the rental income from members when calculating your taxable turnover. In other words, you don't pay any tax on rents paid from members to the co-op.  This tax relief only applies to rent from members.<br /> <br /> This tax exemption is a big advantage of the mutual structure, enabling the co-op to save up to carry out major improvements or buy another house. In the simplest terms, in a conventional worker co-op or company, any income that is not spent is taxed. Fully mutual housing co-ops don't pay tax on their main source of income, so it is easier to build up your cash in the bank.<br /> <br /> This exemption is only available to housing co-ops that have rules that restrict:<br /> <br /> * All tenancies of the Co-operative to members, and all membersips to tenants or prospective tenants of the Co-operative. If you have non-member tenants then you are disobeying your rules and will not be eligible to this exemption.<br /> If you have other income, like rent from an office, loan stock or bank interest, then you must pay tax on this. You must also disregard any interest paid from these tax deductible expenses (ie the interest from a loan related to a property that has tenancies). In other words you can't reduce your tax bill by using mortgage interest.<br /> <br /> === How to apply ===<br /> Before your co-op starts to have money moving in or out of its bank account, write a letter to HMRC asking to be granted approval for tax relief. State that your company is entitled to exemption from corporation tax under the [https://www.legislation.gov.uk/ukpga/2010/4/section/642 CTA 2010 act section 642]. As accompanying evidence, enclose a copy of your fully mutual rules and your registration certificate. They may send you a form to fill in and send back. Once they have processed your form, they should send you a certificate to show you are exempt.<br /> <br /> If you use an accountant, you should show them copies of all of this. Particularly if your accountant is not experienced in dealing with housing co-operatives, they may not know about the tax relief.<br /> <br /> === Exemption from filing corporation tax ===<br /> You will need to apply to HMRC seperately to get exemption from filing corporation tax. Write to HMRC stating that you have to pay no or very little tax, but the cost of filling in the form is disproportionately expensive.<br /> <br /> You should list all your taxable income. Very early on this may not be very much at all, later it may include:<br /> <br /> * bank interest (it is worth checking ig this has already been taxed at source)<br /> * loanstock insterest<br /> * rent of a community space if you buy a property that has community space to rent out<br /> <br /> Point out in your letter that you cannot use the free filling software offered by HMRC. This service is called [https://www.gov.uk/guidance/corporation-tax-use-hmrcs-free-filing-software CATO (Companies And Tax Online)] and it currently doesn't allow you to enter non taxable income. This means you would need to use an accountant or buy specific Corporation Tax filing software, unless HMRC grants you an exemption. They often give 5 year exemptions on filing corporation tax, after which you will need to re-apply for this exemption. More guidance is available on the [https://www.gov.uk/guidance/corporation-tax-trading-and-non-trading government's website].<br /> <br /> == Capital Gains Tax ==<br /> A fully mutual housing co-op is also eligible for exemption from all capital gains tax. Capital gains are the increase in value of the property that your co-op owns.<br /> <br /> For example, if you buy a house for £60,000, and then sell it a few years later for £100,000, the capital gain of £40,000 [minus inflation] is not taxable, which it would be if the co-op was a workers’ co-operative/company/non-mutual body.<br /> <br /> == Annual Tax on Enveloped Dwellings (ATED) aka Mansion Tax ==<br /> Annual Tax on Enveloped Dwellings, or ATED for short is also sometimes called Mansion tax which might apply to a coop with ANY SINGLE property valued more than the £500k threshold. It is a self-assessment tax, meaning the onus is on the taxpayer to file returns with HMRC (with penalties for non-compliance). <br /> <br /> The [https://www.gov.uk/guidance/annual-tax-on-enveloped-dwellings-the-basics government website] covers the basics of ATED.<br /> <br /> ATED is based on five-yearly valuations and the current (as of April 2024) applicable valuation date is 1 April 2022. <br /> <br /> Co-ops are eligible for the Social Housing Relief exemption, which is another way of saying that housing coops can claim relief on the basis that &quot;the house is owned by a registered provider of social housing or a qualifying housing co-operative&quot;.<br /> <br /> To claim the relief, a Relief Declaration Return needs to be submitted, by 30 April each year. You can request a paper form if the online service does not work by emailing paperforms.ated@hmrc.gov.uk<br /> <br /> Further guidance [https://www.gov.uk/guidance/register-for-the-annual-tax-on-enveloped-dwellings-online-service#submit-a-return-where-a-charge-is-due here].</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief&diff=755 2026-01-22T17:38:18Z

<p>Da5nsy: delete half-written sentence</p> <hr /> <div>== Start up finance ==<br /> Somewhere between first meeting as a group and getting a property you will find you need to spend some money. It is difficult for unincorporated groups to open bank accounts so pre-registration you are likely to have to use members' personal accounts. If you keep good records of this income, and expenditure made against it, the income can be recorded as a loan to the co-op and repaid later if the project gets off the ground. These records need to include: Date; type of transaction (e.g. “subscription income”, “travel expense”, etc); who is owed or paid; and where the evidence of the transaction is kept (i.e the receipt).<br /> <br /> You might need money for travel to meetings and workdays or for registration fees. You could have a whip round when necessary, but for people on low incomes the possibility of being asked for money unpredictably can be worrying. A 'subscription' system, where every member pays say, £5 per week into a kitty can be a good way of spreading costs, and it can help clarify who is committed to the group. Be clear about whether everyone paying subscription has been accepted for membership. <br /> <br /> Having a pot of money which you manage together is also a good chance to practice consensus decision making as a group.<br /> <br /> == Things co-ops have done to raise money include: ==<br /> <br /> * Asking friends and relatives for donations<br /> * Holding fundraisers like crowdfunding appeals, jumble sales, car boot sales or benefit gigs<br /> * Organising sponsored events in aid of your project<br /> * Asking local companies to make a donation to your cause<br /> * Applying to charities. You may qualify for help from charities or other grant-making bodies. If some of your members are disabled you might be able to get money from appropriate charities or social services. Get a copy of ‘A guide to the major trusts’ published by the Directory of Social Change, or ask for it at your local reference library. This may also be a route to financial support for buying a property.<br /> <br /> == Opening a bank account ==<br /> Once your co-op is registered with the FCA it should open a bank account. The bank's application form will include the wording of a motion which a co-op general meeting will need to pass. Get a bank account with at least a 'dual mandate' system which means all cheques need two signatures and online payments need two authorisers. <br /> <br /> == Getting tax relief from Corporation Tax ==<br /> <br /> === What it is ===<br /> Fully mutual housing co-ops gets tax advantages and it is very important that you apply for these as soon as possible.<br /> <br /> Once approved you can disregard all the rental income from members when calculating your taxable turnover. In other words, you don't pay any tax on rents paid from members to the co-op.  This tax relief only applies to rent from members.<br /> <br /> This tax exemption is a big advantage of the mutual structure, enabling the co-op to save up to carry out major improvements or buy another house. In the simplest terms, in a conventional worker co-op or company, any income that is not spent is taxed. Fully mutual housing co-ops don't pay tax on their main source of income, so it is easier to build up your cash in the bank.<br /> <br /> This exemption is only available to housing co-ops that have rules that restrict:<br /> <br /> * All tenancies of the Co-operative to members, and all membersips to tenants or prospective tenants of the Co-operative. If you have non-member tenants then you are disobeying your rules and will not be eligible to this exemption.<br /> If you have other income. like rent from an office, loan stock or bank interest, then you must pay tax on this. You must also disregard any interest paid from these tax deductible expenses (ie the interest from a loan related to a property that has tenancies). In other words you can't reduce your tax bill by using mortgage interest.<br /> === How to apply ===<br /> Before your co-op starts to have money moving in or out of its bank account, write a letter to HMRC asking to be granted approval for tax relief. State that your company is entitled to exemption from corporation tax under the [https://www.legislation.gov.uk/ukpga/2010/4/section/642 CTA 2010 act section 642]. As accompanying evidence, enclose a copy of your fully mutual rules and your registration certificate. They may send you a form to fill in and send back. Once they have processed your form, they should send you a certificate to show you are exempt.<br /> <br /> If you use an accountant, you should show them copies of all of this. Particularly if your accountant is not experienced in dealing with housing co-operatives, they may not know about the tax relief.<br /> <br /> === Exemption from filing corporation tax ===<br /> You will need to apply to HMRC seperately to get exemption from filing corporation tax. Write to HMRC stating that you have to pay no or very little tax, but the cost of filling in the form is disproportionately expensive.<br /> <br /> You should list all your taxable income. Very early on this may not be very much at all, later it may include:<br /> <br /> * bank interest (it is worth checking ig this has already been taxed at source)<br /> * loanstock insterest<br /> * rent of a community space if you buy a property that has community space to rent out<br /> <br /> Point out in your letter that you cannot use the free filling software offered by HMRC. This service is called [https://www.gov.uk/guidance/corporation-tax-use-hmrcs-free-filing-software CATO (Companies And Tax Online)] and it currently doesn't allow you to enter non taxable income. This means you would need to use an accountant or buy specific Corporation Tax filing software, unless HMRC grants you an exemption. They often give 5 year exemptions on filing corporation tax, after which you will need to re-apply for this exemption. More guidance is available on the [https://www.gov.uk/guidance/corporation-tax-trading-and-non-trading government's website].<br /> <br /> == Capital Gains Tax ==<br /> A fully mutual housing co-op is also eligible for exemption from all capital gains tax. Capital gains are the increase in value of the property that your co-op owns.<br /> <br /> For example, if you buy a house for £60,000, and then sell it a few years later for £100,000, the capital gain of £40,000 [minus inflation] is not taxable, which it would be if the co-op was a workers’ co-operative/company/non-mutual body.<br /> <br /> == Annual Tax on Enveloped Dwellings (ATED) aka Mansion Tax ==<br /> Annual Tax on Enveloped Dwellings, or ATED for short is also sometimes called Mansion tax which might apply to a coop with ANY SINGLE property valued more than the £500k threshold. It is a self-assessment tax, meaning the onus is on the taxpayer to file returns with HMRC (with penalties for non-compliance). <br /> <br /> The [https://www.gov.uk/guidance/annual-tax-on-enveloped-dwellings-the-basics government website] covers the basics of ATED.<br /> <br /> ATED is based on five-yearly valuations and the current (as of April 2024) applicable valuation date is 1 April 2022. <br /> <br /> Co-ops are eligible for the Social Housing Relief exemption, which is another way of saying that housing coops can claim relief on the basis that &quot;the house is owned by a registered provider of social housing or a qualifying housing co-operative&quot;.<br /> <br /> To claim the relief, a Relief Declaration Return needs to be submitted, by 30 April each year. You can request a paper form if the online service does not work by emailing paperforms.ated@hmrc.gov.uk<br /> <br /> Further guidance [https://www.gov.uk/guidance/register-for-the-annual-tax-on-enveloped-dwellings-online-service#submit-a-return-where-a-charge-is-due here].</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=754 2026-01-16T10:27:00Z

<p>Da5nsy: </p> <hr /> <div><br /> == Introduction ==<br /> The Radical Routes Toolkit is a wiki containing guidance on how to set up and maintain housing co-operatives in the UK. <br /> It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> == Contents ==<br /> <br /> * What are Housing Co-ops?<br /> ** [[Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why]]<br /> ** [[Different_types_of_housing_co-ops| Different types of housing co-op]]<br /> ** [[Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord]]<br /> ** [[Secondary_Rules| Secondary rules]]<br /> <br /> * Early Set Up of a Co-op<br /> ** [[Legally_registering_as_a_housing_coop| Legally registering as a co-op]]<br /> ** [[Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief]]<br /> ** [[Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation]]<br /> <br /> * People<br /> ** [[Forming_a_group| Early recruitment and decisions]]<br /> ** [[Conflict_between_members| Conflict between members]]<br /> ** [[Breaking_down_hierarchies| Breaking down hierarchies]]<br /> ** [[Disability_and_Accessibility| Disability and accessibility]]<br /> <br /> * Finance<br /> ** [[Affording_a_house| Affording a house]]<br /> ** [[40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet]]<br /> ** [[Loan_stock| Loan stock]]<br /> ** [[Buying_a_property:_The_legal_process| The buying process]]<br /> ** [[Insurance | Insurance]]<br /> ** [[Audit_Requirements| Audit]]</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=753 2026-01-16T10:21:27Z

<p>Da5nsy: </p> <hr /> <div><br /> == Introduction ==<br /> The Radical Routes Toolkit is a wiki containing guidance on how to set up and maintain housing co-operatives in the UK. <br /> It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> == Content ==<br /> <br /> What are Housing Co-ops?<br /> Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> Different_types_of_housing_co-ops| Different types of housing co-op<br /> Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> Secondary_Rules| Secondary rules<br /> <br /> Early Set Up of a Co-op<br /> Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> People<br /> Forming_a_group| Early recruitment and decisions<br /> Conflict_between_members| Conflict between members<br /> Breaking_down_hierarchies| Breaking down hierarchies<br /> Disability_and_Accessibility| Disability and accessibility<br /> <br /> Finance<br /> Affording_a_house| Affording a house<br /> 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> Loan_stock| Loan stock<br /> Buying_a_property:_The_legal_process| The buying process<br /> Insurance | Insurance<br /> Audit_Requirements| Audit<br /> <br /> General Wiki Navigation<br /> Special:AllPages| All Pages<br /> recentchanges-url|recentchanges<br /> Special:Upload|Upload a file<br /> <br /> Admin<br /> Special:SpecialPages| Special Pages<br /> MediaWiki:Sidebar| Edit Navigation Menu<br /> helppage|help-mediawiki</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=752 2026-01-16T10:17:35Z

<p>Da5nsy: </p> <hr /> <div><br /> == Introduction ==<br /> The Radical Routes Toolkit is a wiki containing guidance on how to set up and maintain housing co-operatives in the UK. <br /> It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Citizen-footer-tagline&diff=751 2026-01-16T01:04:26Z

<p>Da5nsy: </p> <hr /> <div> <br /> We encourage people to get involved, not just in making housing co-ops but in developing this wiki. <br /> <br /> Currently (November 2023) it is free to edit for anyone with a Radical Routes cloudron login, or you can contact Radical Routes Digital Working group by emailing digital [at] radicalroutes.org.uk (replace the [at] with the @ symbol).</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=750 2026-01-16T01:01:49Z

<p>Da5nsy: /* Introduction */</p> <hr /> <div><br /> == Introduction ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=743 2026-01-16T00:46:00Z

<p>Da5nsy: /* Introduction */</p> <hr /> <div><br /> == Introduction ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> {{SidebarClone}}</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=741 2026-01-16T00:44:11Z

<p>Da5nsy: /* Introduction */</p> <hr /> <div><br /> == Introduction ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> {{MediaWiki:Sidebar}}</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=My_Wiki:About&diff=740 2026-01-16T00:41:58Z

<p>Da5nsy: </p> <hr /> <div>To be written:<br /> <br /> About: Radical Routes<br /> <br /> - what we do&lt;br&gt;<br /> <br /> - who we are &lt;br&gt;<br /> <br /> - why&lt;br&gt;<br /> <br /> <br /> About: Digital Toolkit&lt;br&gt;<br /> <br /> - when this was created&lt;br&gt;<br /> <br /> - purpose and mission&lt;br&gt;<br /> <br /> - how to use this toolkit</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=My_Wiki:About&diff=739 2026-01-16T00:41:13Z

<p>Da5nsy: Replaced content with &quot;-&quot;</p> <hr /> <div>-</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Citizen-footer-tagline&diff=738 2026-01-16T00:40:34Z

<p>Da5nsy: Blanked the page</p> <hr /> <div></div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Citizen-footer-tagline&diff=737 2026-01-16T00:40:03Z

<p>Da5nsy: </p> <hr /> <div>-</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Sidebar&diff=736 2026-01-16T00:37:00Z

<p>Da5nsy: </p> <hr /> <div><br /> &lt;!-- To add a new top-level header in the navigation bar, put 1 asterisk * then the name of the header. To add a new item, put 2 asterisks **, then internal name of the page (the bit in the URL after Wiki/ ), then | then the name that will actually display --&gt;<br /> <br /> * What are Housing Co-ops?<br /> ** Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> ** Different_types_of_housing_co-ops| Different types of housing co-op<br /> ** Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> ** Secondary_Rules| Secondary rules<br /> <br /> * Early Set Up of a Co-op<br /> ** Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> ** Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> ** Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> * People<br /> ** Forming_a_group| Early recruitment and decisions<br /> ** Conflict_between_members| Conflict between members<br /> ** Breaking_down_hierarchies| Breaking down hierarchies<br /> ** Disability_and_Accessibility| Disability and accessibility<br /> <br /> * Finance<br /> ** Affording_a_house| Affording a house<br /> ** 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> ** Loan_stock| Loan stock<br /> ** Buying_a_property:_The_legal_process| The buying process<br /> ** Insurance | Insurance<br /> **Audit_Requirements| Audit<br /> <br /> * General Wiki Navigation<br /> ** Special:AllPages| All Pages<br /> ** recentchanges-url|recentchanges<br /> ** Special:Upload|Upload a file<br /> <br /> * Admin<br /> ** Special:SpecialPages| Special Pages<br /> ** MediaWiki:Sidebar| Edit Navigation Menu<br /> ** helppage|help-mediawiki<br /> <br /> * SEARCH<br /> * LANGUAGES<br /> * TOOLBOX</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Sidebar&diff=735 2026-01-16T00:36:18Z

<p>Da5nsy: </p> <hr /> <div><br /> &lt;!-- To add a new top-level header in the navigation bar, put 1 asterisk * then the name of the header. To add a new item, put 2 asterisks **, then internal name of the page (the bit in the URL after Wiki/ ), then | then the name that will actually display --&gt;<br /> <br /> * What are Housing Co-ops?<br /> ** Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> ** Different_types_of_housing_co-ops| Different types of housing co-op<br /> ** Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> ** Secondary_Rules| Secondary rules<br /> <br /> * Early Set Up of a Co-op<br /> ** Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> ** Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> ** Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> * People<br /> ** Forming_a_group| Early recruitment and decisions<br /> ** Conflict_between_members| Conflict between members<br /> ** Breaking_down_hierarchies| Breaking down hierarchies<br /> ** Disability_and_Accessibility| Disability and accessibility<br /> <br /> * Finance<br /> ** Affording_a_house| Affording a house<br /> ** 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> ** Loan_stock| Loan stock<br /> ** Buying_a_property:_The_legal_process| The buying process<br /> ** Insurance | Insurance<br /> **Audit_Requirements| Audit<br /> <br /> * General Wiki Navigation<br /> ** Special:AllPages| All Pages<br /> ** recentchanges-url|recentchanges<br /> ** Special:Upload|Upload a file<br /> <br /> * Admin<br /> ** Special:SpecailPages| Special Pages<br /> ** MediaWiki:Sidebar| Edit Navigation Menu<br /> ** helppage|help-mediawiki<br /> <br /> * SEARCH<br /> * LANGUAGES<br /> * TOOLBOX</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=734 2026-01-16T00:32:18Z

<p>Da5nsy: </p> <hr /> <div><br /> == Introduction ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=733 2026-01-16T00:31:49Z

<p>Da5nsy: /* What is this wiki for, and how to use it */</p> <hr /> <div><br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> == Editing the wiki ==<br /> We encourage people to get involved, not just in making housing co-ops but in developing this wiki. <br /> Currently (November 2023) it is free to edit for anyone with a Radical Routes cloudron login, or you can contact Radical Routes Digital Working group by emailing digital [at] radicalroutes.org.uk (replace the [at] with the @ symbol).</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Sidebar&diff=732 2026-01-16T00:28:13Z

<p>Da5nsy: </p> <hr /> <div><br /> &lt;!-- To add a new top-level header in the navigation bar, put 1 asterisk * then the name of the header. To add a new item, put 2 asterisks **, then internal name of the page (the bit in the URL after Wiki/ ), then | then the name that will actually display --&gt;<br /> <br /> * What are Housing Co-ops?<br /> ** Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> ** Different_types_of_housing_co-ops| Different types of housing co-op<br /> ** Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> ** Secondary_Rules| Secondary rules<br /> <br /> * Early Set Up of a Co-op<br /> ** Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> ** Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> ** Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> * People<br /> ** Forming_a_group| Early recruitment and decisions<br /> ** Conflict_between_members| Conflict between members<br /> ** Breaking_down_hierarchies| Breaking down hierarchies<br /> ** Disability_and_Accessibility| Disability and accessibility<br /> <br /> * Finance<br /> ** Affording_a_house| Affording a house<br /> ** 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> ** Loan_stock| Loan stock<br /> ** Buying_a_property:_The_legal_process| The buying process<br /> ** Insurance | Insurance<br /> **Audit_Requirements| Audit<br /> <br /> * General Wiki Navigation<br /> ** Special:AllPages| All Pages<br /> ** recentchanges-url|recentchanges<br /> ** mainpage|mainpage-description<br /> ** Special:Upload|Upload a file<br /> ** MediaWiki:Sidebar| Edit Navigation Menu<br /> ** helppage|help-mediawiki<br /> <br /> * SEARCH<br /> * LANGUAGES<br /> * TOOLBOX</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Sidebar&diff=731 2026-01-16T00:26:56Z

<p>Da5nsy: </p> <hr /> <div><br /> &lt;!-- To add a new top-level header in the navigation bar, put 1 asterisk * then the name of the header. To add a new item, put 2 asterisks **, then internal name of the page (the bit in the URL after Wiki/ ), then | then the name that will actually display --&gt;<br /> <br /> * What are housing co-ops<br /> ** Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> ** Different_types_of_housing_co-ops| Different types of housing co-op<br /> ** Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> ** Secondary_Rules| Secondary rules<br /> <br /> * Early set up of a co-op<br /> ** Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> ** Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> ** Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> * People<br /> ** Forming_a_group| Early recruitment and decisions<br /> ** Conflict_between_members| Conflict between members<br /> ** Breaking_down_hierarchies| Breaking down hierarchies<br /> ** Disability_and_Accessibility| Disability and accessibility<br /> <br /> * Finance<br /> ** Affording_a_house| Affording a house<br /> ** 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> ** Loan_stock| Loan stock<br /> ** Buying_a_property:_The_legal_process| The buying process<br /> ** Insurance | Insurance<br /> **Audit_Requirements| Audit<br /> <br /> * general wiki navigation<br /> ** Special:AllPages| All Pages<br /> ** recentchanges-url|recentchanges<br /> ** mainpage|mainpage-description<br /> ** Special:Upload|Upload a file<br /> ** MediaWiki:Sidebar| Edit Navigation Menu<br /> ** helppage|help-mediawiki<br /> <br /> * SEARCH<br /> * LANGUAGES<br /> * TOOLBOX</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Sidebar&diff=730 2026-01-16T00:25:42Z

<p>Da5nsy: </p> <hr /> <div><br /> &lt;!-- To add a new top-level header in the navigation bar, put 1 asterisk * then the name of the header. To add a new item, put 2 asterisks **, then internal name of the page (the bit in the URL after Wiki/ ), then | then the name that will actually display --&gt;<br /> <br /> * What are housing co-ops<br /> ** Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> ** Different_types_of_housing_co-ops| Different types of housing co-op<br /> ** Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> ** Secondary_Rules| Secondary rules<br /> <br /> * Early set up of a co-op<br /> ** Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> ** Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> ** Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> * People<br /> ** Forming_a_group| Early recruitment and decisions<br /> ** Conflict_between_members| Conflict between members<br /> ** Breaking_down_hierarchies| Breaking down hierarchies<br /> ** Disability_and_Accessibility| Disability and accessibility<br /> <br /> * Finance<br /> ** Affording_a_house| Affording a house<br /> ** 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> ** Loan_stock| Loan stock<br /> ** Buying_a_property:_The_legal_process| The buying process<br /> ** Insurance | Insurance<br /> **Audit_Requirements| Audit<br /> <br /> * general wiki navigation<br /> ** mainpage|mainpage-description<br /> ** Special:AllPages| All Pages<br /> ** MediaWiki:Sidebar| Edit Navigation Menu<br /> ** recentchanges-url|recentchanges<br /> ** helppage|help-mediawiki<br /> <br /> * SEARCH<br /> * LANGUAGES<br /> * TOOLBOX</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Common.css&diff=729 2026-01-16T00:25:08Z

<p>Da5nsy: </p> <hr /> <div>/* CSS placed here will be applied to all skins */<br /> <br /> <br /> /* Collapsible elements. Toggle-link moved to left.<br /> /* Margin around it adjusted. */<br /> .mw-collapsible span.mw-collapsible-toggle {<br /> float:left;<br /> margin-left:0;<br /> margin-right:1em;<br /> }<br /> <br /> .allpagesredirect::before {<br /> content: &quot;(redirect: &quot;;<br /> }<br /> .allpagesredirect::after {<br /> content: &quot;)&quot;;<br /> }<br /> <br /> #t-upload { display:none; }</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Common.css&diff=728 2026-01-16T00:23:54Z

<p>Da5nsy: </p> <hr /> <div>/* CSS placed here will be applied to all skins */<br /> <br /> <br /> /* Collapsible elements. Toggle-link moved to left.<br /> /* Margin around it adjusted. */<br /> .mw-collapsible span.mw-collapsible-toggle {<br /> float:left;<br /> margin-left:0;<br /> margin-right:1em;<br /> }<br /> <br /> .allpagesredirect::before {<br /> content: &quot;(redirect: &quot;;<br /> }<br /> .allpagesredirect::after {<br /> content: &quot;)&quot;;<br /> }<br /> <br /> t-upload { display:none; }</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Common.css&diff=727 2026-01-16T00:23:32Z

<p>Da5nsy: </p> <hr /> <div>/* CSS placed here will be applied to all skins */<br /> <br /> <br /> /* Collapsible elements. Toggle-link moved to left.<br /> /* Margin around it adjusted. */<br /> .mw-collapsible span.mw-collapsible-toggle {<br /> float:left;<br /> margin-left:0;<br /> margin-right:1em;<br /> }<br /> <br /> .allpagesredirect::before {<br /> content: &quot;(redirect: &quot;;<br /> }<br /> .allpagesredirect::after {<br /> content: &quot;)&quot;;<br /> }<br /> <br /> #t-upload { display:none; }</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Sidebar&diff=726 2026-01-16T00:10:03Z

<p>Da5nsy: </p> <hr /> <div><br /> &lt;!-- To add a new top-level header in the navigation bar, put 1 asterisk * then the name of the header. To add a new item, put 2 asterisks **, then internal name of the page (the bit in the URL after Wiki/ ), then | then the name that will actually display --&gt;<br /> <br /> * What are housing co-ops<br /> ** Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> ** Different_types_of_housing_co-ops| Different types of housing co-op<br /> ** Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> ** Secondary_Rules| Secondary rules<br /> <br /> * Early set up of a co-op<br /> ** Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> ** Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> ** Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> * People<br /> ** Forming_a_group| Early recruitment and decisions<br /> ** Conflict_between_members| Conflict between members<br /> ** Breaking_down_hierarchies| Breaking down hierarchies<br /> ** Disability_and_Accessibility| Disability and accessibility<br /> <br /> * Finance<br /> ** Affording_a_house| Affording a house<br /> ** 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> ** Loan_stock| Loan stock<br /> ** Buying_a_property:_The_legal_process| The buying process<br /> ** Insurance | Insurance<br /> **Audit_Requirements| Audit<br /> <br /> * general wiki navigation<br /> ** mainpage|mainpage-description<br /> ** Special:AllPages| All Pages<br /> ** MediaWiki:Sidebar| Edit Navigation Menu<br /> ** recentchanges-url|recentchanges<br /> ** helppage|help-mediawiki<br /> <br /> * SEARCH<br /> * LANGUAGES</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Sidebar&diff=725 2026-01-16T00:07:26Z

<p>Da5nsy: </p> <hr /> <div><br /> &lt;!-- To add a new top-level header in the navigation bar, put 1 asterisk * then the name of the header. To add a new item, put 2 asterisks **, then internal name of the page (the bit in the URL after Wiki/ ), then | then the name that will actually display --&gt;<br /> <br /> * What are housing co-ops<br /> ** Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> ** Different_types_of_housing_co-ops| Different types of housing co-op<br /> ** Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> ** Secondary_Rules| Secondary rules<br /> <br /> * Early set up of a co-op<br /> ** Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> ** Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> ** Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> * People<br /> ** Forming_a_group| Early recruitment and decisions<br /> ** Conflict_between_members| Conflict between members<br /> ** Breaking_down_hierarchies| Breaking down hierarchies<br /> ** Disability_and_Accessibility| Disability and accessibility<br /> <br /> * Finance<br /> ** Affording_a_house| Affording a house<br /> ** 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> ** Loan_stock| Loan stock<br /> ** Buying_a_property:_The_legal_process| The buying process<br /> ** Insurance | Insurance<br /> **Audit_Requirements| Audit<br /> <br /> * general wiki navigation<br /> ** mainpage|mainpage-description<br /> ** Special:AllPages| All Pages<br /> ** MediaWiki:Sidebar| Edit Navigation Menu<br /> ** recentchanges-url|recentchanges<br /> ** helppage|help-mediawiki<br /> ** Special:Upload|Upload file<br /> <br /> * SEARCH<br /> * LANGUAGES</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Sidebar&diff=724 2026-01-15T23:52:22Z

<p>Da5nsy: </p> <hr /> <div><br /> &lt;!-- To add a new top-level header in the navigation bar, put 1 asterisk * then the name of the header. To add a new item, put 2 asterisks **, then internal name of the page (the bit in the URL after Wiki/ ), then | then the name that will actually display --&gt;<br /> <br /> * What are housing co-ops<br /> ** Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> ** Different_types_of_housing_co-ops| Different types of housing co-op<br /> ** Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> ** Secondary_Rules| Secondary rules<br /> <br /> * Early set up of a co-op<br /> ** Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> ** Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> ** Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> * People<br /> ** Forming_a_group| Early recruitment and decisions<br /> ** Conflict_between_members| Conflict between members<br /> ** Breaking_down_hierarchies| Breaking down hierarchies<br /> ** Disability_and_Accessibility| Disability and accessibility<br /> <br /> * Finance<br /> ** Affording_a_house| Affording a house<br /> ** 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> ** Loan_stock| Loan stock<br /> ** Buying_a_property:_The_legal_process| The buying process<br /> ** Insurance | Insurance<br /> **Audit_Requirements| Audit<br /> <br /> * general wiki navigation<br /> ** mainpage|mainpage-description<br /> ** Special:AllPages| All Pages<br /> ** MediaWiki:Sidebar| Edit Navigation Menu<br /> ** recentchanges-url|recentchanges<br /> ** helppage|help-mediawiki<br /> <br /> * SEARCH<br /> * LANGUAGES</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Sidebar&diff=723 2026-01-15T23:47:55Z

<p>Da5nsy: Reverted edits by Da5nsy (talk) to last revision by Sim.brighton</p> <hr /> <div><br /> &lt;!-- To add a new top-level header in the navigation bar, put 1 asterisk * then the name of the header. To add a new item, put 2 asterisks **, then internal name of the page (the bit in the URL after Wiki/ ), then | then the name that will actually display --&gt;<br /> <br /> * general wiki navigation<br /> ** mainpage|mainpage-description<br /> ** Special:AllPages| All Pages<br /> ** MediaWiki:Sidebar| Edit Navigation Menu<br /> ** recentchanges-url|recentchanges<br /> ** helppage|help-mediawiki<br /> <br /> * What are housing co-ops<br /> ** Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> ** Different_types_of_housing_co-ops| Different types of housing co-op<br /> ** Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> ** Secondary_Rules| Secondary rules<br /> <br /> * Early set up of a co-op<br /> ** Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> ** Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> ** Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> * People<br /> ** Forming_a_group| Early recruitment and decisions<br /> ** Conflict_between_members| Conflict between members<br /> ** Breaking_down_hierarchies| Breaking down hierarchies<br /> ** Disability_and_Accessibility| Disability and accessibility<br /> <br /> * Finance<br /> ** Affording_a_house| Affording a house<br /> ** 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> ** Loan_stock| Loan stock<br /> ** Buying_a_property:_The_legal_process| The buying process<br /> ** Insurance | Insurance<br /> **Audit_Requirements| Audit<br /> <br /> <br /> * SEARCH<br /> * TOOLBOX<br /> * LANGUAGES</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Sidebar&diff=722 2026-01-15T23:43:20Z

<p>Da5nsy: </p> <hr /> <div><br /> &lt;!-- To add a new top-level header in the navigation bar, put 1 asterisk * then the name of the header. To add a new item, put 2 asterisks **, then internal name of the page (the bit in the URL after Wiki/ ), then | then the name that will actually display --&gt;<br /> <br /> * What are housing co-ops<br /> ** Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> ** Different_types_of_housing_co-ops| Different types of housing co-op<br /> ** Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> ** Secondary_Rules| Secondary rules<br /> <br /> * Early set up of a co-op<br /> ** Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> ** Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> ** Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> * People<br /> ** Forming_a_group| Early recruitment and decisions<br /> ** Conflict_between_members| Conflict between members<br /> ** Breaking_down_hierarchies| Breaking down hierarchies<br /> ** Disability_and_Accessibility| Disability and accessibility<br /> <br /> * Finance<br /> ** Affording_a_house| Affording a house<br /> ** 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> ** Loan_stock| Loan stock<br /> ** Buying_a_property:_The_legal_process| The buying process<br /> ** Insurance | Insurance<br /> **Audit_Requirements| Audit<br /> <br /> * general wiki navigation<br /> ** mainpage|mainpage-description<br /> ** Special:AllPages| All Pages<br /> ** MediaWiki:Sidebar| Edit Navigation Menu<br /> ** recentchanges-url|recentchanges<br /> ** helppage|help-mediawiki<br /> <br /> * SEARCH<br /> * LANGUAGES</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Sidebar&diff=721 2026-01-15T23:38:46Z

<p>Da5nsy: </p> <hr /> <div><br /> &lt;!-- To add a new top-level header in the navigation bar, put 1 asterisk * then the name of the header. To add a new item, put 2 asterisks **, then internal name of the page (the bit in the URL after Wiki/ ), then | then the name that will actually display --&gt;<br /> <br /> * What are housing co-ops<br /> ** Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> ** Different_types_of_housing_co-ops| Different types of housing co-op<br /> ** Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> ** Secondary_Rules| Secondary rules<br /> <br /> * Early set up of a co-op<br /> ** Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> ** Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> ** Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> * People<br /> ** Forming_a_group| Early recruitment and decisions<br /> ** Conflict_between_members| Conflict between members<br /> ** Breaking_down_hierarchies| Breaking down hierarchies<br /> ** Disability_and_Accessibility| Disability and accessibility<br /> <br /> * Finance<br /> ** Affording_a_house| Affording a house<br /> ** 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> ** Loan_stock| Loan stock<br /> ** Buying_a_property:_The_legal_process| The buying process<br /> ** Insurance | Insurance<br /> **Audit_Requirements| Audit<br /> <br /> * general wiki navigation<br /> ** mainpage|mainpage-description<br /> ** Special:AllPages| All Pages<br /> ** MediaWiki:Sidebar| Edit Navigation Menu<br /> ** recentchanges-url|recentchanges<br /> ** helppage|help-mediawiki<br /> <br /> * SEARCH<br /> * LANGUAGES<br /> * TOOLBOX</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Sidebar&diff=720 2026-01-15T23:32:09Z

<p>Da5nsy: </p> <hr /> <div><br /> &lt;!-- To add a new top-level header in the navigation bar, put 1 asterisk * then the name of the header. To add a new item, put 2 asterisks **, then internal name of the page (the bit in the URL after Wiki/ ), then | then the name that will actually display --&gt;<br /> <br /> * What are housing co-ops<br /> ** Housing_Co-ops_-_What_and_Why?| Housing Co-ops, what and why<br /> ** Different_types_of_housing_co-ops| Different types of housing co-op<br /> ** Being_a_landlord_(at_the_same_time_as_being_a_tenant)| Being a tenant/landlord<br /> ** Secondary_Rules| Secondary rules<br /> <br /> * Early set up of a co-op<br /> ** Legally_registering_as_a_housing_coop| Legally registering as a co-op<br /> ** Early_finances,_setting_up_a_bank_account,_applying_for_tax_relief| Early finances, bank account, tax relief<br /> ** Working_on_your_property_-_maintenance_and_renovation| House maintenance and renovation<br /> <br /> * People<br /> ** Forming_a_group| Early recruitment and decisions<br /> ** Conflict_between_members| Conflict between members<br /> ** Breaking_down_hierarchies| Breaking down hierarchies<br /> ** Disability_and_Accessibility| Disability and accessibility<br /> <br /> * Finance<br /> ** Affording_a_house| Affording a house<br /> ** 40-year_modelling_spreadsheet| 40-year RR modelling spreadsheet<br /> ** Loan_stock| Loan stock<br /> ** Buying_a_property:_The_legal_process| The buying process<br /> ** Insurance | Insurance<br /> **Audit_Requirements| Audit<br /> <br /> * general wiki navigation<br /> ** mainpage|mainpage-description<br /> ** Special:AllPages| All Pages<br /> ** MediaWiki:Sidebar| Edit Navigation Menu<br /> ** recentchanges-url|recentchanges<br /> ** helppage|help-mediawiki<br /> <br /> * SEARCH<br /> * TOOLBOX<br /> * LANGUAGES</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=719 2026-01-15T23:29:47Z

<p>Da5nsy: /* Editing the wiki */</p> <hr /> <div><br /> == What is this wiki for, and how to use it ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> == Editing the wiki ==<br /> We encourage people to get involved, not just in making housing co-ops but in developing this wiki. <br /> Currently (November 2023) it is free to edit for anyone with a Radical Routes cloudron login, or you can contact Radical Routes Digital Working group by emailing digital [at] radicalroutes.org.uk (replace the [at] with the @ symbol).</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Citizen-footer-tagline&diff=718 2026-01-15T23:28:52Z

<p>Da5nsy: Created blank page</p> <hr /> <div></div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Mainpage-title&diff=717 2026-01-15T23:25:32Z

<p>Da5nsy: Created page with &quot;{{SITENAME}}&quot;</p> <hr /> <div>{{SITENAME}}</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=716 2026-01-15T23:11:13Z

<p>Da5nsy: /* What is this wiki for, and how to use it */</p> <hr /> <div><br /> == What is this wiki for, and how to use it ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> == Editing the wiki ==<br /> We encourage people to get involved, not just in making housing co-ops but in developing this wiki. <br /> Currently (November 2023) it is free to edit for anyone with a Radical Routes cloudron login, or you can contact Radical Routes Digital Working group by emailing digital [at] radicalroutes.org.uk (replace the [at] with the @ symbol). <br /> If you do make edits, please remember to comment what you've edited when you save.</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=715 2026-01-15T23:08:51Z

<p>Da5nsy: /* What is this wiki for, and how to use it */</p> <hr /> <div><br /> == What is this wiki for, and how to use it ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> <br /> We encourage people to get involved, not just in making housing co-ops but in developing this wiki. <br /> Currently (November 2023) it is free to edit for anyone with a Radical Routes cloudron login, or you can contact Radical Routes Digital Working group by emailing digital [at] radicalroutes.org.uk (replace the [at] with the @ symbol). <br /> If you do make edits, please remember to comment what you've edited when you save.<br /> When making new pages, please add the page to the navigation menu, this can be found at https://toolkit.radicalroutes.org.uk/wiki/MediaWiki:Sidebar</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=714 2026-01-15T23:08:05Z

<p>Da5nsy: </p> <hr /> <div><br /> == What is this wiki for, and how to use it ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> <br /> We encourage people to get involved, not just in making housing co-ops but in developing this wiki. <br /> Currently (November 2023) it is free to edit for anyone with a Radical Routes cloudron login, or you can contact Radical Routes Digital Working group by emailing digitalwg [at] radicalroutes.org.uk (replace the [at] with the @ symbol). <br /> If you do make edits, please remember to comment what you've edited when you save.<br /> When making new pages, please add the page to the navigation menu, this can be found at https://toolkit.radicalroutes.org.uk/wiki/MediaWiki:Sidebar</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=713 2026-01-15T17:51:47Z

<p>Da5nsy: /* What is this wiki for, and how to use it */</p> <hr /> <div><br /> # Housing Co-op Toolkit<br /> <br /> == What is this wiki for, and how to use it ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> <br /> We encourage people to get involved, not just in making housing co-ops but in developing this wiki. <br /> Currently (November 2023) it is free to edit for anyone with a Radical Routes cloudron login, or you can contact Radical Routes Digital Working group by emailing digitalwg [at] radicalroutes.org.uk (replace the [at] with the @ symbol). <br /> If you do make edits, please remember to comment what you've edited when you save.<br /> When making new pages, please add the page to the navigation menu, this can be found at https://toolkit.radicalroutes.org.uk/wiki/MediaWiki:Sidebar</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=712 2026-01-15T17:47:38Z

<p>Da5nsy: /* What is this wiki for, and how to use it */</p> <hr /> <div><br /> # Housing Co-op Toolkit<br /> <br /> == What is this wiki for, and how to use it ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> To navigate, click the toggle-menu, shown by 3 lines on the left (on desktop) or at the bottom (on mobile) to open the navigation menu.<br /> <br /> [[File:Navbarside.PNG|border|300px]] [[File:Navbarbottom.PNG|border|300px]]<br /> <br /> Enormous thanks to every person and co-op who put in incredible work writing and editing content for this wiki<br /> <br /> <br /> We encourage people to get involved, not just in making housing co-ops but in developing this wiki. Currently (November 2023) It is free to edit for anyone with a Radical Routes cloudron login, or you can contact Radical Routes Digital Working group by emailing digitalwg [at] radicalroutes.org.uk (replace the [at] with the @ symbol). If you do make edits, please remember to comment what you've edited when you save.<br /> When making new pages, please add the page to the navigation menu, this can be found at https://toolkit.radicalroutes.org.uk/wiki/MediaWiki:Sidebar</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=MediaWiki:Citizen-footer-desc&diff=711 2026-01-15T17:46:43Z

<p>Da5nsy: Created page with &quot;This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.&quot;</p> <hr /> <div>This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=710 2026-01-15T17:42:11Z

<p>Da5nsy: /* What is this wiki for, and how to use it */</p> <hr /> <div><br /> == What is this wiki for, and how to use it ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [https://www.radicalroutes.org.uk/ Radical Routes], a UK-wide network of co-operatives for radical social change.<br /> <br /> To navigate, click the toggle-menu, shown by 3 lines on the left (on desktop) or at the bottom (on mobile) to open the navigation menu.<br /> <br /> [[File:Navbarside.PNG|border|300px]] [[File:Navbarbottom.PNG|border|300px]]<br /> <br /> Enormous thanks to every person and co-op who put in incredible work writing and editing content for this wiki<br /> <br /> test<br /> <br /> <br /> We encourage people to get involved, not just in making housing co-ops but in developing this wiki. Currently (November 2023) It is free to edit for anyone with a Radical Routes cloudron login, or you can contact Radical Routes Digital Working group by emailing digitalwg [at] radicalroutes.org.uk (replace the [at] with the @ symbol). If you do make edits, please remember to comment what you've edited when you save.<br /> When making new pages, please add the page to the navigation menu, this can be found at https://toolkit.radicalroutes.org.uk/wiki/MediaWiki:Sidebar</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=709 2026-01-15T17:40:52Z

<p>Da5nsy: /* What is this wiki for, and how to use it */</p> <hr /> <div><br /> == What is this wiki for, and how to use it ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by [Radical Routes](https://www.radicalroutes.org.uk/), a UK-wide network of co-operatives for radical social change.<br /> <br /> To navigate, click the toggle-menu, shown by 3 lines on the left (on desktop) or at the bottom (on mobile) to open the navigation menu.<br /> <br /> [[File:Navbarside.PNG|border|300px]] [[File:Navbarbottom.PNG|border|300px]]<br /> <br /> Enormous thanks to every person and co-op who put in incredible work writing and editing content for this wiki<br /> <br /> test<br /> <br /> <br /> We encourage people to get involved, not just in making housing co-ops but in developing this wiki. Currently (November 2023) It is free to edit for anyone with a Radical Routes cloudron login, or you can contact Radical Routes Digital Working group by emailing digitalwg [at] radicalroutes.org.uk (replace the [at] with the @ symbol). If you do make edits, please remember to comment what you've edited when you save.<br /> When making new pages, please add the page to the navigation menu, this can be found at https://toolkit.radicalroutes.org.uk/wiki/MediaWiki:Sidebar</div>

Da5nsy https://toolkit.radicalroutes.org.uk/index.php?title=Main_Page&diff=688 2025-10-11T02:01:14Z

<p>Da5nsy: </p> <hr /> <div><br /> == What is this wiki for, and how to use it ==<br /> This wiki is to help you set up and maintain housing co-operatives in the UK. It was created by Radical Routes, a UK-wide network of co-operatives for radical social change.<br /> <br /> To navigate, click the toggle-menu, shown by 3 lines on the left (on desktop) or at the bottom (on mobile) to open the navigation menu.<br /> <br /> [[File:Navbarside.PNG|border|300px]] [[File:Navbarbottom.PNG|border|300px]]<br /> <br /> Enormous thanks to every person and co-op who put in incredible work writing and editing content for this wiki<br /> <br /> test<br /> <br /> <br /> We encourage people to get involved, not just in making housing co-ops but in developing this wiki. Currently (November 2023) It is free to edit for anyone with a Radical Routes cloudron login, or you can contact Radical Routes Digital Working group by emailing digitalwg [at] radicalroutes.org.uk (replace the [at] with the @ symbol). If you do make edits, please remember to comment what you've edited when you save.<br /> When making new pages, please add the page to the navigation menu, this can be found at https://toolkit.radicalroutes.org.uk/wiki/MediaWiki:Sidebar</div>

Da5nsy