Community land trusts
Community stewardship of land and assets, with a focus on lasting local benefit.
Explore land trustsWhat if the people who live in a place helped shape its future? Community led housing puts local people at the heart of creating homes and neighbourhoods that work for them.
An introduction for communities across the UK.

Community led housing begins with a simple idea: people should have a meaningful say in the homes they need and the places they call home.
A group might come together because local people are being priced out, because residents want greater control over their housing, or because neighbours want a more connected way of living. The starting point can be a village, a street, an existing organisation or a group with shared needs.
There is no single blueprint. A community may develop new homes, bring empty buildings back into use, take on the stewardship of land, or work with a housing association to deliver a scheme. Some groups own homes collectively; others combine individual homes with shared spaces.
What matters is meaningful community involvement and a lasting benefit for the community. This is about decisions as well as buildings: who gets a voice, how homes are managed and how the original purpose is protected over time.
Understand the principles
Homes are part of a much bigger picture. Their location, design and management influence whether people can stay near family, build friendships and contribute to local life.
A community led approach creates space to ask different questions. Could a shared garden bring neighbours together? Could accessible homes help people stay in the area as their needs change? Could keeping land in community stewardship support future generations?
These are ambitions to work towards, not automatic outcomes. Groups need a realistic plan, inclusive decision making and professional support to turn shared values into homes that last.
Getting a loan whilst on benefits in the United Kingdom is possible, but approval depends on the lender, your income, credit history and ability to repay. Some lenders accept benefits as income, although eligibility varies. Before applying, compare interest rates, fees and total repayment costs. For essential expenses, you may qualify for an interest-free Budgeting Loan or a Budgeting Advance if you receive Universal Credit. Eligibility rules apply, and repayments usually reduce future benefit payments. Avoid borrowing more than you can afford, and consider grants or local support first. MoneyHelper or Citizens Advice can provide free guidance on your options.
Community stewardship of land and assets, with a focus on lasting local benefit.
Explore land trustsResidents take part in democratic decisions about their housing organisation.
Explore co-operativesPrivate homes alongside shared spaces, with residents shaping community life.
Explore cohousingGetting started does not mean having all the answers. Begin by listening: who needs a home, what is missing locally and who might be excluded from the conversation? A clear picture of need gives your group a stronger foundation than starting with a building alone.
Next, connect with people who bring different experiences and skills. Agree how you will make decisions, share responsibilities and welcome new members. Good governance helps a group deal with difficult choices as well as exciting opportunities.
As the idea develops, you will need to explore land or buildings, funding, planning, design and long-term management. These tasks often overlap. An adviser can help you understand which questions to answer first and where specialist input is needed.
Time, money and volunteer energy all need careful planning. Working with a council, housing association or experienced community organisation can help, while keeping the community’s role clear from the outset.
Follow the getting started guideYou do not need to be a housing expert to begin. Start by learning, listening and bringing people together.
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