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ROADMAPPING A VIABLE COMMUNITY-LED HOUSING SECTOR FOR IRELAND - Roadmapping a Viable Community-Led ...
ROADMAPPING A VIABLE
            COMMUNITY-LED HOUSING
                SECTOR FOR IRELAND
   Self-organised and Community-Led Housing models (Cohousing)
and the Community Land Trust as a basis for enabling democratic and
       permanently affordable housing and urban renewal in Ireland

OVERVIEW
ROADMAPPING A VIABLE COMMUNITY-LED HOUSING SECTOR FOR IRELAND - Roadmapping a Viable Community-Led ...
SOA Research CLG
The Fumbally Exchange
Argus House
Blackpitts
Dublin 8
www.soa.ie

cc SOA Research CLG 2021
Authors: Padraig Flynn, Tom O’Donnell

Designed by Claire Prouvost
Proofread by Anne Murphy

SOA Research CLG is a not-for-profit action
research think tank formed in 2017 to research
and promote cooperative and collaborative
approaches to housing in Ireland.

The information contained in this handbook is
for general guidance and is not legal, financial
or professional advice.

SOA Research CLG assumes no responsibility
for the contents of linked websites. The
inclusion of any link should not be taken as
endorsement of any kind or any association
with its operators.

54321

A THANK YOU TO OUR SPONSORS
SOA wish to acknowledge the sponsorship of The Housing Agency,
The Land Development Agency, Ó Cualann Cohousing Alliance, and
The Goethe Institut Irland, which has made this project possible.
ROADMAPPING A VIABLE COMMUNITY-LED HOUSING SECTOR FOR IRELAND - Roadmapping a Viable Community-Led ...
Contents
Foreword .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 04
Acknowledgements . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 06

Executive Summary.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 08
Project Methodology . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 10
Glossary .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 12

01. Introduction .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 14

02. Master Roadmaps. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 20
Cooperative (Cohousing) Roadmap .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 22
  Exemplar Case Study: Forum Kreuzberg. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 24
Owner Occupier Roadmap.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 26
  Exemplar Case Study: Marmalade Lane Cohousing .  .  .  .  .  .  .  .  .  . 28
Community land Trust Roadmap. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 30
  Exemplar Case Study: Brussels CLT. . . . . . . . . . . . . . . . . . . . . . . . . . 32

03. Irish Community-Led Housing Groups .  .  . 34

04. Roadblocks + Recommendations.  .  .  .  .  .  .  . 53
Major Roadblocks Identified .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 54
Recommendations for Addressing. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 55
Proposed Definition for CLH in Ireland.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 56

Project Navigation Index. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 57
Endnotes .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 62
ROADMAPPING A VIABLE COMMUNITY-LED HOUSING SECTOR FOR IRELAND - Roadmapping a Viable Community-Led ...
Foreword
                                1

by Uachtarán na hÉireann, Michael D. Higgins

                                               T H E I R I S H S TAT E has an early history in the provision
                                               of social housing. The new State wasted no time in
                                               becoming heavily involved in the provision of housing
                                               with the introduction in 1922 of the Million Pound
                                               Scheme, which enabled local authorities to construct
                                               2,000 houses in just two years. When that fund was
                                               exhausted in 1924, grants and subsidies for private
                                               house purchase and construction took over, with local
                                               authorities continuing to build homes directly, albeit
                                               spasmodically, with a peak in 1975 of almost 8,800
                                               houses built, compared with less than 1,000 units
                                               annually since 2011. Grants and government-backed
                                               home purchase loans continued until the 1980s.

                                               In recent decades, reflecting the ethos of the times in
                                               relation to the role of the State and the private market,
                                               there has been a significant withdrawal on the part
                                               of the State from direct social housing construction
                                               towards a model of housing provision via the private
                                               market, with the State focusing its interventions through
                                               current expenditure in the form of measures such as
                                               rent supplement and housing assistance payments
                                               to aid those on low incomes and those whose only
                                               income is social welfare. The use of the private sector
                                               as a source of socially supported housing rose from 28
                                               percent in the boom years to 42 percent during the so-
                                               called ‘Great Recession’.2

                                               The slowdown in new social housing construction, as
                                               well as the privatisation of the stock, whereby social
                                               dwellings were sold to tenants – a process accelerated
                                               in the 1970s – has resulted in Ireland’s social housing
                                               stock diminishing to just one-in-twelve houses. Taken
                                               together, these trends over the past 30 years or more
                                               have resulted in a reduction in housing supply for low-
                                               to middle-income families, which, together with other
                                               social factors, has resulted in a decrease in housing
                                               affordability, and an increase in homelessness.

                                               The Irish State is not an exception in demonstrating
                                               such trends. Across the OECD, social housing as a
                                               percentage of the total housing stock has declined
Photograph by Chris Bellew                     over recent decades so that only 6 percent of housing
© Fennell Photography 2015                     across the OECD (and the EU) is now socially owned.3
ROADMAPPING A VIABLE COMMUNITY-LED HOUSING SECTOR FOR IRELAND - Roadmapping a Viable Community-Led ...
F or e w ord    05

Large cross-country variations exist: some 25 percent       environment in which they are built, are designed
of dwellings in the Netherlands are socially owned,         with strong social, equity and ecological principles.
with Ireland towards the low end, at 8 percent, despite     There are examples of significant achievements by
Ireland’s national definition of social housing including   co-operative groups when Local Authorities released
those houses provided through the smaller voluntary         sites to such groups.
and co-operative sector, now known as Approved
Housing Bodies. The Irish social housing circumstance       Meaningful community engagement and consent
has been fundamentally changed by a shift in                throughout the process can yield so many benefits.
administrative ideology which sought to move away           Houses can be built in areas in which people wish to
from the management of tenants by a housing authority.      live, to the specifications which people desire, with
                                                            security of tenure, and with assurance of affordability
The role of the approximately 540 not-for-profit            in perpetuity as guaranteed by the involvement of
Approved Housing Bodies in housing provision has            Community Land Trusts.
been an important one in Ireland, but such housing
remains a minisculely small proportion of our housing       This is not a new idea, emanating, as it does, from the
stock. There is surely great potential within the broad     United States’ civil rights’ movements of the 1960s to
not-for-profit sector to make a greater contribution in     provide opportunities for residential and economic
the provision of affordable rented and owner-occupied       independence for African-Americans in the rural
housing for people who cannot otherwise afford to           south, but it is only in recent times that the concept
rent or buy their own homes. Scholars such as Prof. PJ      has taken hold in Europe and the Global South as a
Drudy, Dr Rory Hearne and others have attempted to          potential solution to sustainable housing provision.
address these issues at theoretical and policy levels.
                                                            Housing, whether public or private, can be examined
***                                                         from many perspectives – economic, social, planning,
It is within this context, and the background of            architectural and political. However, we must never
an ongoing housing crisis with inter-generational           lose sight that regarding housing as fundamental
personal and social impacts, that I so welcome the          human right is an argument yet to be won. It is
ideas put forward by Self Organised Architecture            this humanistic perspective that, while inextricably
Research in this new book, Roadmapping a Viable             intertwined with all the others, must be the paramount
Community-Led Housing Sector for Ireland.                   perspective that supersedes all others.

It is abundantly clear that radical solutions to housing    Community-Led Housing is an example of bottom-
provision are needed urgently given the magnitude           up, active citizenship as its best, with the potential to
of a housing crisis that is not abating. Community-Led      put the humanistic perspective of housing provision
Housing is one such proposal that merits support by         centre stage, with communities and citizens at the
policymakers and practitioners, including acceptance        heart of neighbourhood development, embracing
of housing as a social good by housing developers.          the idea of homes as a social good. I hope that the
Community-Led Housing combines so many aspects              considered contributions contained within this book
of a cohesive, sustainable solution to the housing crisis   receive the careful study they warrant by all relevant
in Ireland.                                                 housing stakeholders.

By unleashing the energy and creativity of community
groups in Ireland, I have no doubt that we can create                               M I C H A E L D. H I G G I N S
homes that, as well as contributing aesthetically to the                                     is President of Ireland
ROADMAPPING A VIABLE COMMUNITY-LED HOUSING SECTOR FOR IRELAND - Roadmapping a Viable Community-Led ...
06 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW

Acknowledgements
SOA would like to acknowledge the contribution of a wide range of stakeholders
who participated in and contributed to this project:

STEERING GROUP
HUGH BRENNAN                           KEVIN JOHNSON                               DEIRDRE NÍ FHLOINN
Ó Cualann Cohousing Alliance           The Credit Union Development Association    Barrister, Law Library of Ireland
                                       (CUDA)
TREACY BYRNE                                                                       BARRY O’LEARY
Dublin City Council                    ROSIE LYNCH                                 The Housing Finance Agency
                                       Nimble Spaces/Líonra Cooperative
BRENDAN CONWAY                                                                     DAVIE PHILIP
London Community Led Housing Hub       URSULA MCANULTY                             Cultivate/Cloughjordan CoHousing
                                       The Housing Agency
ISOILDE DILLON                                                                     EDDIE TAAFFE
The Housing Agency                     OLIVE MCCARTHY                              The Local Government Management
                                       UCC Centre for Cooperative Studies          Agency (LGMA)
SEAN GOLDEN
The Land Development Agency            ÉADAOIN NÍ CLÉIRIGH                         SAM WHELAN-CURTIN
                                       The Irish Council for Social Housing        Communications Consultant

FORUM PARTICIPANTS
GREGG ALLEN                            TIM CROWLEY                                LYNN MCMAHON
Community Power                        FILIPA FERAZ                               SARAH NEWELL
                                       COLM HEALY                                 ROSIE WEBB
KIERON BRENNAN                         SAM TOLAND                                 Limerick City & County Council
EOIN CARROLL                           Ó Cualann Cohousing Alliance
Cooperative Housing Ireland                                                       CONOR MCMANUS
                                       BRIAN DILLON                               Cork City CoHousing
TONY BUCKLEY                           ANNE FITZGERALD
THOM STEWART                           ARTHOUSE Cooperative                       ROISIN MULLIGAN
Hope & Homes                                                                      Clann Credo
                                       MARK GILL
MICHAEL BRODERICK                      COLIN MCDONNELL                            MARK OGDEN
GRAINNE DE LACY                        JIM ROCHE                                  Triodos UK
Home Building Finance Ireland          BRENDA TOBIN
                                       SOA Research CLG                           PAT O’SULLIVAN
TREACY BYRNE                                                                      Allied Irish Bank
Dublin City Council                    STEPHEN HILL
                                       UK National CLT Network                    JOANNE BRETON
DOROTHY CLARKE                                                                    PAUL MCGINTY
Sligo County Council                   ANNE JONES                                 MICHAEL REIDY
                                       Permanent TSB                              JAY ROCHE
MARTIN COLREAVY                                                                   Common Ground Co-Housing
CAROLINE TIMMONS                       PADRAIC KENNA
Department of Housing, Local           NUI Galway                                 HEIDRUN ROTTKE
Government & Heritage                                                             The Goethe Institut Irland
                                       GRAHAM LIGHTFOOT
AOIFE CORCORAN                         Cloughjordan CoHousing                     BARRY SYMES
NOELLE SWEENEY                                                                    DONAL TRAYNOR
The Housing Agency                     RODERICK MAGUIRE                           Community Finance Ireland
                                       Barrister, Law Library of Ireland
JAMES DONLON                                                                      VIVIAN WOODELL
The Land Development Agency                                                       The Phone Co-op
ROADMAPPING A VIABLE COMMUNITY-LED HOUSING SECTOR FOR IRELAND - Roadmapping a Viable Community-Led ...
Ac k no w l e dgm e nts        07

INTERVIEWEES
BENDIX BÜRGENER                        PETER CULLY                                JEAN-BAPTISTE DEBRANDT
Agentur für Baugemeinschaften,          JOHN MOORE                                 JULIA VITIELLO
Hamburg                                 Ó Cualann Cohousing Alliance               Ville de Lille

GERRY CAHILL                            INKA DROHN                                 ROSE SEAGRIEF
Gerry Cahill Architects                 arch.id Architects                         Power to Change, UK

ZOHRA CHIHEB                            HANNAH EMERY-WRIGHT                        ANNE-HELENE SINHA
Camden Council                          London Community Land Trust                CAP Venturesome, UK

DYMPNA CLERKIN                          MICHAEL LAFOND                             BERNARD THOMPSON
PAT FITZPATRICK                         id22 Berlin                                Former Chair, Cooperative
STEVEN SHERIDAN                                                                    Housing Ireland
The Housing Agency                      DEARBHLA LAWSON
                                        The Land Development Agency                STEVE WATSON
AIDAN CONBOY                                                                       Wessex CLH Hub
SEAN CREMEN                             SEBASTIAN MEHLING
The Housing Finance Agency              Stattbau Berlin                            ANDREAS WIRZ
                                                                                   Archipel, Switzerland
BRIAN CORR                              PAT MOYNE
The Department of Finance               Cooperative Housing Ireland

GEERT DE PAUW                           DOROTHEE ROEGER
Community Land Trust Bruxelles (CLTB)   GLS Bank, Berlin

IRISH CLH GROUP WORKSHOPS
(IN ADDITION TO ABOVE)
GABRIELA AVRAM                          MICK BRADLEY                              EAMONN MOLONEY
GER WALSH                               Cloughjordan Co-Housing                   Hope & Homes
Collaborative Housing Limerick
                                        MARINA BILAK
HUW JONES                               SINEAD CULLEN
ARTHOUSE Cooperative                    Common Ground Co-Housing

ADDITIONAL ADVICE
MARY LINEHAN                            STELLA MCKERVEY                           TIZIANA O’HARA
BCL Solicitor, Company & Business Law   DoHLGH AHB Policy & Regulation Office     Co-operative Alternatives

THIS PUBLICATION HAS BEEN MADE POSSIBLE
WITH THE GENEROUS SUPPORT OF:

THE HOUSING AGENCY
THE LAND DEVELOPMENT AGENCY
Ó CUALANN COHOUSING ALLIANCE
THE GOETHE INSTITUT IRLAND
ROADMAPPING A VIABLE COMMUNITY-LED HOUSING SECTOR FOR IRELAND - Roadmapping a Viable Community-Led ...
08 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW

Executive Summary
“Housing, whether public or private, can be discussed and examined
from economic, social, planning and political perspectives. However,
the human aspect of housing is the paramount one. It is the one which,
while inextricably intertwined with all the others, at the same time takes
priority over them. It is for the betterment of the human aspect that all
other aspects should be considered and made to conform.”
                                                                                              FRANK MOLONEY
                                                                          Assistant Manager, Cork County Council, 1982
                                                                                      Co-operative Housing in Ireland

Across Ireland, community groups are exploring ways      This research project, Roadmapping a viable
to collectively create their own homes together.         Community-Led Housing sector for Ireland, aims to
                                                         provide a basis in policy and in practice to significantly
There is an approach to housing creation -               expand the range and quality of affordable and
Community-Led Housing - evolving across Europe           Community-Led Housing in Ireland. In particular, the
and the wider world, which empowers communities          research is intended to have the following practical
to develop solutions which address their particular      outcomes:
housing needs. This approach provides a framework
for residents and communities to collaborate in           1.	 To establish a tried and trusted structure
the creation and revitalisation of new and existing           or ‘roadmap’ to organise and finance
neighbourhoods.                                               Community-Led Housing projects.
                                                          2.	 To establish a transparent mechanism to
The unique feature of Community-Led Housing is the            secure land in a manner which guarantees
empowerment of future residents to meaningfully               long-term affordability.
participate in both the design and long-term
management of their homes. Community-Led                 It should be highlighted from the outset that there
Housing is an umbrella term, encompassing a              is currently little or no state support or infrastructure
wide range of approaches, including cooperative          available for Community-Led Housing groups in
housing, cohousing, Community Land Trusts (CLTs),        Ireland. Despite this fact, there are a range of groups
and self-help housing. Although no two Community-        across the country organising their own projects at
Led Housing projects are the same, they all share a      present. Eight of these groups are profiled in Section 03
common goal of meeting specific local housing needs      of this handbook. They represent a variety of innovative
via collaboration, empowerment and mutual support.       Community-Led Housing approaches, and in doing so,
                                                         they provide a template which others might follow.
Community-Led Housing (CLH) is premised on
the conviction that a house is not just a building,      A primary goal of this project has been to identify the
or an asset, it is a home: a place to live. As such,     various roadblocks which these groups are facing at
community-led approaches take a holistic view of         present, and to propose steps for their removal.
housing and strive to ensure the social, environmental
and economic well-being of inhabitants. CLH is a         The five handbooks which comprise the findings of
ground-up approach, which enables groups of              the project are the culmination of a year-long multi-
people to pool their assets and collective resources     stakeholder process focused on the development
to create homes and communities which meet               of CLH in Ireland. This series of handbooks aims
their particular needs, whatever they may be, in a       to articulate the potential which Community-Led
sustainable manner.                                      Housing offers to release the enormous energy and
ROADMAPPING A VIABLE COMMUNITY-LED HOUSING SECTOR FOR IRELAND - Roadmapping a Viable Community-Led ...
e x e cutiv e summary       09

creativity of community groups in Ireland to address         projects around the country. Each of the groups is
their particular housing needs. It is also intended as a     presented via a two-page profile, summarising the
practical resource for policymakers, recommending            key aims and features of their projects, along with the
adjustments to policy infrastructure which will enable       various obstacles they are encountering in the process.
a broad range of approaches to CLH in Ireland,
complementing and augmenting existing approaches             Following this, the Key Roadblocks to realising
to social and affordable housing.                            a Community-Led Housing project in Ireland as
                                                             identified in the course of this research, and the Key
                                                             Recommendations to address these Roadblocks,
CONTENTS OF THIS HANDBOOK                                    are summarised. A definition for Community-Led
This Overview handbook provides a summary overview           Housing is proposed for acceptance by policymakers
of the Roadmapping a viable Community-Led Housing            and stakeholders in the sector as the first step to
sector for Ireland research project, and introduces          recognising Community-Led Housing in policy.
the four accompanying handbooks on the subjects of
Policy, Finance, Land and Getting Your Group Ready.          Finally, a brief Index to the other handbooks in
                                                             this series is provided as a means of navigating the
It introduces the concept of Community-Led Housing           research. This index summarises the contents and
and describes the potential this approach offers to          intended audiences for each of the accompanying
sustainably accommodate the social, economic and             handbooks on Policy, Finance, Land and Getting Your
environmental aspects of housing, as demonstrated            Group Ready.
by exemplary projects and policy measures from
the UK, Europe and internationally that are included         This research aims to reveal Community-Led Housing
throughout the handbooks.                                    as a genuine form of civic partnership, having mutual
                                                             benefits for communities, policymakers and wider
We present three potential step-by-step approaches           society. The research highlights community-led
to developing a Community-Led Housing project                approaches that address a range of issues typically
in Ireland, by means of three ‘Master Roadmaps’.             overlooked by conventional housing, and provides a
These approaches are illustrated by Case Studies from        detailed analysis of best practice financial, technical
Berlin, Cambridge and Brussels, respectively. The            and public land management policies in use in the UK
three roadmaps are a synthesis of the more detailed          and other European countries.
Roadmaps presented in the other handbooks, and
focus on three approaches in particular:                     In the process we hope to inspire readers as to the
                                                             transformational potential offered by Community-Led
  • A Cooperative (Cohousing) Project                        Housing to address our present and future housing
  • An Owner-Occupied (Cohousing) Project                    and community needs. We hope that the research
  • A Community Land Trust Project                           makes a clear case for the development of a supportive
                                                             infrastructure for Community-Led Housing in Ireland,
Next, we introduce eight Irish groups who are in             and will assist Irish people and policymakers in
the process of developing Community-Led Housing              visualising and implementing such an infrastructure.

                              “Ireland must bring about a fundamental change in its
                              system of urban development, land management and
                              housing provision. It must evolve from a speculative
                              and highly cyclical system to a permanently affordable,
                              stable and more sustainable form of housing.”

                                                           THE NATIONAL ECONOMIC & SOCIAL COUNCIL (NESC)
                                                                      Housing Policy: Actions to Deliver Change. No.150
                                                                                                         November 2020
ROADMAPPING A VIABLE COMMUNITY-LED HOUSING SECTOR FOR IRELAND - Roadmapping a Viable Community-Led ...
10 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW

Project Methodology
The research conducted in the course of this project has been
completed based on a detailed methodological approach and work
programme, designed to address the core objective: to roadmap
a process for the development and expansion of Community-Led
Housing in Ireland.

The project builds on a significant body of work        Progress was reviewed at regular intervals by the
previously completed by SOA Research in this field,     Project Steering Committee, which was composed
including an international conference and a series of   of 13 individuals representing a range of stakeholder
multi-stakeholder workshops and Café events held in     organisations and associated expertise.
locations across Ireland in 2018-19.

The core element of the research methodology            Project Scope
was a multi-stakeholder process which engaged a
wide range of key stakeholders in a community of        In terms of scope, the research focused broadly
practice, via a series of four forums and additional    on best practice approaches to Community-Led
bilateral meetings. Each forum focused on a specific    Housing, and particularly on three countries, namely
theme, with speaker presentations complemented          the UK, Germany and Belgium. More specifically, the
by breakout sessions to address key topics. Extensive   research focuses on projects built and underway in
briefing documentation was issued in advance of         cities such as London, Berlin, Tubingen, Hamburg and
each forum, and a comprehensive summary report          Brussels, along with policy initiatives and supports
issued afterward. Additional bilateral meetings were    which CLH groups in these countries can avail of.
held as required with various stakeholders.
                                                        The reasons for focusing primarily on these countries
Stakeholder Forums were complemented by                 are as follows:
interviews conducted with a range of Community-
Led Housing practitioners and residents across the      THE UK
UK and mainland Europe, with a view to determining      As the European country whose policy and legislative
best-practice approaches and ‘lessons learned’ in       framework most closely reflects our own, the UK
these countries. Project visits to six community-led    provides examples which are in many cases readily
projects in Berlin were conducted in January 2020,      adaptable to the Irish context. Over the last 20 years a
including resident interviews based on a standardised   range of supportive policy measures have emerged
questionnaire prepared by SOA for this project.         in the UK to facilitate the development of Community-
Subsequent planned project visits were curtailed due    Led Housing. In addition to government support,
to the onset of COVID-19 in March 2020.                 a number of non-profit organisations including the
                                                        UK Cohousing Network, Power to Change, and the
A series of case studies document exemplar              National CLT Network have been developing a range
projects and analyse their various approaches to        of supporting documentation and supports for
financing, governance, facilitation and design.         community-led groups.
Where applicable, policy supports availed of are also
described in each case.                                 GERMANY
                                                        As the city with the most cohousing projects of any in
Additionally, the project involved extensive desk-      the world, Berlin is a focal point of experimentation
based research compiled by the authors on a range       in Community-Led Housing. Many initiatives
of subject areas documented in the project outputs.     in this city, and nationally in Germany, rely on
proj e ct m e thodology         11

supportive financial mechanisms which are geared              range of approaches including housing cooperatives,
towards inclusivity, and social and environmental             cohousing, Community Land Trusts and self-help
sustainability. State-owned land is often offered on a        housing. Workshops focused specifically on the
competitive basis to projects which can demonstrate           groups’ approaches to organising and facilitating
innovation in areas such as social cohesion, inclusivity,     their membership and their approaches to financial
environmental sustainability, as well as long-term            planning.
affordability. Cities such as Tübingen and Freiburg
have pioneered large-scale small-parcel urban                 Approaches were examined to determine:
renewal via community-led approaches. Hamburg                    a.	 What the groups could achieve by
has opted for compact city growth and prioritises land               themselves
reuse and redevelopment, targeting the allocation of             b.	 What support they might require from
20% of city land for Community-Led Housing.                          external sources

BELGIUM                                                       Common roadblocks encountered by the groups
Brussels and Ghent Community Land Trusts have                 were assessed and documented via a survey
chosen to focus on the creation of homes for                  prepared by SOA. Financial strategies were examined
those members of society with the lowest level of             with the assistance of financial modelling tools
income and resources at their disposal. These CLTs            provided by the Community Led Housing Hub in
demonstrate ways in which marginalised citizens can           London and by GLS Bank in Berlin.
be empowered to develop their own homes and
communities collectively. It is further worth noting that
CLT Brussels emerged from an affordable housing               Conclusion
crisis in the early 2000s which in many ways mirrors the
situation in Dublin and other Irish cities today.             The research culminates in the publication of a series
                                                              of five handbooks, each focused on a specific
NORTH-WEST EUROPE                                             target audience, with a view to providing guidance
In addition to analysis of the above cities, the scope        in developing a supportive infrastructure for
of research also encompasses a more regional                  Community-Led Housing in Ireland. This Overview
effort underway in north-west Europe to develop               summary handbook is complemented by four more
supportive policy and financial frameworks for                specific handbooks on the topics of Policy, Finance,
community-led groups. The Sustainable Housing                 Land and Getting Your Group Ready.
for Inclusive and Cohesive Cities (SHICC) project,
of which SOA is the Irish partner as of September             Each handbook includes one (or more) Roadmap
2020, seeks to support the establishment of more              Infographic, which graphically represents the key
successful Community Land Trusts (CLT) in cities across       recommended steps which might be taken by
the North-West European (NWE) region. The work of             stakeholders in each field to support Community-Led
organisations such as CLT Brussels and the City of Lille in   Housing. Wherever possible, proposals have been
France is referred to in terms of developing inclusive        made which make use of existing structures and ask
community-led approaches which are particularly               the question: “What can we do now?”
focused on low-to-middle income groups.
                                                              Outstanding roadblocks are highlighted and
IRELAND                                                       suggestions for their removal included, although
In parallel to analysis of best practice approaches           further research and policy development are required
abroad, an extensive analysis of Irish policy and             to overcome some of these roadblocks. Specific areas
existing financial infrastructure was conducted, with         for policy and legislative development are proposed,
a view to determining means by which existing                 and optimum approaches proposed, based on
structures might be adapted to support Community-             exemplar practice in the other countries analysed.
Led Housing.

Workshops were conducted with eight Irish
Community-Led Housing groups invited to participate
as stakeholders in this project. These projects are
based in eight different counties, and represent a
12 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW

Glossary
COHOUSING                                                    of the cooperative and participate in management
Cohousing communities are organised to foster                and decision-making. As per cohousing, mutual
mutual support, drawing on the skills and resources          support, cohesion and shared activities are a feature
of residents to contribute to life in the scheme. In         of cooperatives. Cooperative housing is a strong
most projects, each household is self-contained,             feature of the housing landscape in many European
but residents collaborate in managing communal               countries, for example, representing 17% of the
spaces, and share decision-making through a legally          housing stock in Sweden, the Czech Republic and
defined arrangement. Shared spaces can range from            Poland, and 15% in Norway. In the UK, 70,000 people
a simple community garden, through to shared guest           nationally are cooperative members, and there are
bedrooms, kitchen/dining spaces and/or communal              more than 300 cooperative housing schemes in
laundry or tool-shed facilities. Many cohousing groups       London alone.2
cultivate an ethos of sharing resources and space with
a view to reducing their environmental footprint and         MUTUAL HOME OWNERSHIP SOCIETY (MHOS)
increasing community activities and mutual support.          The MHOS model is a relatively new concept, designed
                                                             in the UK as an alternative to conventional home
COMMUNITY LAND TRUST                                         ownership. Instead of individuals owning their own
Community Land Trusts (CLTs) are organisations set up        homes, all the properties on a development are owned
to develop and manage homes and protect assets               by a cooperative society. Residents pay a monthly
of community value, including affordable homes,              charge to the cooperative society, in return for which
workspace and green space. CLTs use legal structures         they build up equity in the society. This gives residents
such as covenants or planning agreements to provide          an interest in the value of the housing assets owned by
long-term affordable housing, often by linking prices        the co-op. When a resident leaves, they can take this
to local income or setting prices at a proportion of         equity with them, the value of which may be indexed to
market rate. In the UK, their legal entity typically comes   an appropriate external measure such as local wages.3
in the form of a limited company, community benefit
society and/or a charity.1                                   PART V
                                                             Part V of the Planning and Development Act, 2000
COMMUNITY-LED HOUSING                                        outlines the conditions by which a developer will
Community-Led Housing, as categorised by the                 meet their obligations to contribute to delivery of
stakeholder groups participating in this project, is a       social and affordable housing. When submitting a
socially, environmentally and economically sustainable       planning application, developers must specify how
approach to housing, with the following features:            they intend to comply with these obligations.

1.	 Meaningful community engagement                          SELF-HELP HOUSING
    and consent throughout the process. The                  Self-help housing involves a group of people
    community does not necessarily have to                   repairing and bringing empty properties back into
    initiate and manage the development                      use, usually with the help of volunteers. Many projects
    process, or build the homes themselves,                  work with unemployed and/or homeless people,
    though many do.                                          offering free accommodation and the opportunity
2.	 The local community group or organisation                to work on bringing a home back into use before
    owns, manages or stewards the homes in a                 moving in on a permanent basis.4
    manner of their choosing.
3.	 Benefits to the local area and/or specified              ABBREVIATIONS
    community are clearly defined.                           AHB. . . . . Approved Housing Body
                                                             CHG. . . . . Cohousing Group
(For the rationale underpinning this description, please     CLT . . . . . Community Land Trust
see page 56 of this handbook.)                               CLH . . . . . Community-Led Housing
                                                             MHOS. . . Mutual Home Ownership Society
COOPERATIVE                                                  OMC . . . . Owners’ Management Company
Cooperative homes are managed and owned by                   Part V . . . of the Planning & Development Act 2000
members of the cooperative. Residents are members            SGEI. . . . Services of General Economic Interest
Spreefeld Cooperative, Berlin
Photograph © Ute Zscharnt

                                proj e ct m e thodology   13
14 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW

01
Introduction
I ntroduction        15

Community-Led Housing:
Meitheal in the 21st Century
“Cities have the capability of providing something
for everybody, only because, and only when they are
created by everybody.”
                                                                                             JANE JACOBS,
                                                                  The Death and Life of Great American Cities

Community-Led Housing in Ireland                              Today there are a range of Community-Led Housing
                                                              groups across Ireland exploring ways to collectively
Inspired by the growing international Community-Led           create their own homes together. They are inspired
Housing movement, as well as traditional meitheal             by international examples, as well as home-
and cooperative approaches to community building              grown initiatives such as Kildorrery Community
in Ireland, groups of people are coming together              Development in Cork2,3, Tramore Development Trust
to take initiative in solving their local housing needs.      in Waterford4, Cloughjordan EcoVillage in Tipperary5,
These needs are multi-faceted, and acknowledge                and Camphill Communities in Kilkenny and nationwide.6
that quality housing must address multiple factors,
including, but not limited to, long-term affordability.       These groups are working with organisations such as
Social cohesion, innovative environmental design,             Ó Cualann Cohousing Alliance, whose mission is to
self-help and skills training, empowerment of                 “Build communities, not just houses,” and SOA, to
marginalised groups and addressing loneliness are             develop innovative approaches which address their
just some of the concerns that these groups are               various particular needs.
striving to solve on their own terms.
                                                              These needs include, but are not limited to:
Community-Led Housing builds on a tradition of
independent cooperative and community-build                    • Creating long-term affordable housing
housing, which was a feature of Irish housing creation         • Community integration and social cohesion, and
until the mid 1980s. This tradition pre-dates the                addressing loneliness and isolation
formation of the Irish State, encompassing for example
the ‘meitheal’ tradition of community building, and            • Empowerment of residents to have greater ‘agency’
the building societies of the late 19th century. More            and inclusivity in the creation of their homes
recently, self-help building cooperatives providing            • Innovation in the design of environmentally
affordable homes for their members were a ‘Third Arm’            sustainable housing and neighbourhoods
of Irish housing throughout 1950s to the early 1980s.1
                                                               • Bringing disused and neglected buildings back to
 NOTE: For a Brief History of Irish Cooperative Housing in
                                                                 life, by renovating small sites or empty buildings
 Ireland, please see the Getting Your Group Ready handbook.      that other developers don’t consider
                                                               • Addressing the integration and empowerment of
In recent years, self-help and cooperative                       people with support needs (disability, older age,
approaches to housing have re-emerged in Ireland                 single families, homeless people) and low incomes
and internationally under the umbrella term of
Community-Led Housing. This re-emergence can be
                                                               • Providing skills training and education to those who
                                                                 would otherwise not have the means to access them.
attributed to a range of economic and other factors,
but it is primarily due to a desire to create homes            • Advancing lifelong learning in sustainable and
which better suit the needs and means of residents.              regenerative practices
16 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW

                                                                                              Cloughjordan Ecovillage, Co.Tipperary

Housing, more than ever, needs to accommodate                Housing in Ireland. The goal is to provide a basis
multiple and complex issues, and to be accessible to         in policy and in practice to significantly expand the
an ever broader demographic. Housing must address            range and quality of affordable and Community-
questions such as, what is ‘the family’ in 21st-century      Led Housing in Ireland. Throughout the handbooks,
Ireland? How can housing adapt for the present               case studies of exemplary projects explore the
and future needs of its residents? How can housing           nature of this civic partnership and offer examples of
support resilient intergenerational and socially diverse     approaches that might be adapted to the Irish context.
communities, and sustainable townlands, in the age of
climate change?                                              The research is intended to have the following
                                                             practical outcomes, addressing two interrelated
Community-Led Housing has been shown to                      challenges facing Community-Led Housing projects
empower and transform the lives of people and                in Ireland, namely:
communities across income and generational
groupings. This cooperative approach can                      1.	 To establish a tried and trusted structure
supplement existing frameworks and policy in the                  or ‘roadmap’ to organise and finance
area of social and affordable housing in Ireland,                 Community-Led Housing projects
providing a framework for collaboration between               2.	 To establish a transparent mechanism to
residents, state and local authorities, and civil society,        secure land in a manner which guarantees
to create genuinely sustainable neighbourhoods.                   long-term affordability

                                                             At the outset, broader research objectives and longer-
Introducing This Project                                     term outcomes of the project were identified as:

In order to release the enormous energy and creative           • Development of a viable roadmap to create
potential of community groups to solve their particular          a Cooperative Cohousing project
housing needs, there are a number of ‘roadblocks’              • Development of the Community Land Trust
which local and national government can assist in                concept for the Irish context
overcoming. The aim of this research project is to
                                                               • Promote recognition of Community-Led
identify and propose solutions to these roadblocks.
                                                                 Housing in Ireland
The five handbooks which comprise the findings of the
project are the result of a year-long multi-stakeholder        • Explore and propose ways of resolving legal
process for the development of Community-Led                     and financial hurdles
I ntroduction        17

The Roadmapping Process                                      ACCOMPANYING HANDBOOKS
                                                             Each of the accompanying handbooks contains one or
This project has revolved around the practical goal          more detailed Roadmaps:
of developing a series of roadmaps to achieving
Community-Led Housing projects in Ireland. In                 • The Policy handbook includes a Policy Roadmap,
particular, there are three master roadmaps:                    outlining steps to recognising Community-Led
                                                                Housing and implementing supporting policies.
 1.	 A Standalone Cooperative Roadmap                           These include establishment of a CLH Hub,
 2.	 An Owner-Occupied Cohousing Roadmap                        identifying legalislative barriers and introducing
 3.	 A Community Land Trust Roadmap, with                       supportive financial measures
     an owner-occupied leasehold tenure
                                                              • The Finance handbook includes three Financing
Financial and legal roadblocks are highlighted and,             Roadmaps, produced to map possible routes for
where possible, workarounds are proposed to                     owner-occupied tenure models, the ‘owner-renter’
suggest possible ways forward for groups.                       cooperative approach and owner-occupied homes
                                                                provided by a Community Land Trust

WHY WERE THESE THREE ‘MASTER’                                 • The Land handbook includes a Land Allocation
MODELS CHOSEN TO ROADMAP?                                       Roadmap, sketching a possible land allocation and
Standalone Cooperative                                          transfer mechanism for local authorities to support
A Cooperative ‘Owner-renter’ tenure model was                   Community-Led Housing
roadmapped as an approach to allow those who
would otherwise have difficulty acquiring a mortgage          • The Getting your Group Ready booklet includes
(due to factors such a self-employment, employment              an Early-Stage Roadmap, summarising steps to
status or age) to develop housing that fits their               organising the early stages of a CLH project
present and future needs. This means they will have
secure and affordable homes in the present and in
retirement. In some cases, residents can develop their       Who is the Research for?
equity stake over time and benefit from lower rent
once the development is debt-free. Cooperative               The project is intended to be a basis for informed policy
housing in particular can be a socially-inclusive model,     decisions to facilitate a broad variety of approaches to
and can incorporate subsidies and a range of income          Community-Led Housing. It is also intended to serve as
levels in a single development.                              a source of guidance and information to the Irish public
                                                             generally, and to Community-Led Housing groups and
Owner-Occupied Tenure Model                                  other stakeholders in particular.
An Owner-Occupied tenure model was roadmapped
for Community-Led Housing groups who wish to use
a straightforward development route, recognised by           Who is Community-Led Housing for?
lenders.
                                                             Community-Led Housing can be for anyone, but is
The Community Land Trust                                     most typically an approach for low-to-medium income
Community Land Trusts are legal entities (usually with a     (intermediate) households, including those on low
charitable purpose) to develop and manage assets of          incomes not served by social housing support and
community value including affordable homes, social           not able to obtain or afford a mortgage. Community-
enterprises, workspaces and green space. Community           Led Housing embodies a spectrum of approaches,
Land Trusts use legal structures to guarantee                however, and each project reflects the needs and
perpetually-affordable housing. Residents can often          priorities of its residents. Many Community-Led Housing
benefit from an increase in value in their homes, but        schemes in the UK and Europe are ‘entrusted services’
this is typically linked to local income inflation so that   and receive state aid in the form of grant support, soft
incoming residents can purchase homes affordably.            loans and land. Many schemes are socially inclusive
                                                             and incorporate a diverse range of incomes and social
An owner-occupied tenure model was modelled and              backgrounds. Many are developed privately without
roadmapped with the Community Land Trust.                    specific state support measures.
18 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW

  “A right to self-determined housing has
  gained attention in recent years, for
  instance since the ratification of the UN
  Convention on the Rights of Persons with
  Disabilities in 2006. Nine years later;
  the Geneva UN Charter on Sustainable
  Housing also put an emphasis on
  providing increased options for inclusive,
  participatory housing.

  Should such a right of self-determination
  in housing be enjoyed by all and to what
  extent? What choices should people
  have, with respect to where, how and
  with whom they live? These questions
  call for an exploration of inclusive
  forms of housing, among other things
  as alternatives to retirement centres,
  institutionalised homes for people with
  disabilities, shelters for refugees and
  agglomerations of ever smaller flats for
  isolated singles.” 7

                                                  MICHAEL LAFOND & LARISSA TSVETKOVA
                                                                    CoHousing Inclusive
I ntroduction        19

A ‘Home’ Is More Than Just ‘Housing’                           projects are setting out to address:

Project Ireland 2040 estimates that by 2040 the                • Long-term affordable housing
population of Ireland will reach almost six million. This      • Community integration
will result in a need for 550,000 more homes with              • Greater ‘agency’ and inclusive approaches to
current estimated housing demand of 30,000-35,000                  creating homes
per annum to overcome the current shortfall. In 2019,          •   Environmentally sustainable and innovative
68,693 households were on the waiting list for social              housing
housing support, of which 53% were in the private
rental sector and 30% in receipt of rent supplement.           This research seeks to reorient consideration of
Single-person households made up 47.5% of                      ‘housing’ to include a broader range of issues that
households. There is insufficient appropriate, alternative     might determine the quality of the home and the
accommodation for older persons in local communities.          empowerment of the resident and community. This
                                                               encompasses issues such as suitability, affordability in
Private rents have increased by 37% in Dublin to 2019          perpetuity, security of tenure, choice and preference,
from the 2008 peak, with an annual inflation rate of           quality of life, quality of urban and rural townscapes,
6.6%, in part as a result of the increasing financialisaton    social segregation and loneliness. Is housing just
of Irish housing, especially in the private rental sector.     “housing”? Can or should it integrate such aspects as
The mean house price in Dublin is €441,383. In the 12          structures for community engagement, social facilities
months to September 2020, the average price for a              and enterprises, play, working; manufacturing even?
dwelling nationwide was €293,983. The SCSI gives a
figure of €371,311 as the supply cost of a 114m2 house         This research also highlights how community-led
in the Greater Dublin Area. Median household income            approaches can empower residents and stakeholders
in Ireland in 2019 was €51,217. With a Rebuilding              to cooperate with future neighbours in meaningful
Ireland 90% mortgage, this household can afford a              democratic decision making. With appropriate
property costing €274,410.                                     professional and technical support, they are involved
                                                               in the design of their homes so that their present and
Within this context, that of general demand and                future needs can be addressed. Residents are also
affordability, and within the context of traditional           co-responsible for developing the financial concept
patterns in urban development, NESC argue                      for the project, and for management of homes and
that “Ireland must bring about a fundamental                   shared spaces post-completion.
change in its system of urban development, land
management and housing provision. It must evolve               The “fundamental change” outlined by NESC reflects
from a speculative and highly cyclical system                  a policy turn already outlined in the National Planning
to a permanently affordable, stable and more                   Framework, which emphasises compact brownfield
sustainable form of housing.” 8                                development and also moves in the direction of
                                                               contemporary international policy on circular and
What will a “permanently affordable, stable and more           sustainable urban and rural development. The research
sustainable form of housing” look like? A noticeable           booklets contain policy and exemplary case studies
aspect of the present discourse around housing is the          that outline the role that Community-led Housing can
characterisation of the problem as one of supply, with         play in sustainable development and regeneration, in
the proposed remedy usually described in terms of              addressing vacancy and dereliction. The Community
‘units.’ ‘Delivery’ or ‘provision’ is understood as a sphere   Land Trust in particular, is a model whose role is to
for technicians: economists, planners, architects and          coordinate and include different actors for a cooperative
so on. In this ecosystem, there is a tendency to view          approach to urban and rural renewal, in developing and
future residents as passive recipients who have little or      maintaining affordable housing and/or social enterprises
no role in the process of design and development of            and facilities including energy communities.
their home, and whose needs and lifestyle have been
anticipated and prescribed by others.                          Land management based on Social Value and
                                                               the common good allows both communities, and
As part of this project we have conducted a needs              local and state authorities, to align their vision for
assessment survey with eight Irish Community-                  sustainable development, enabling high-quality,
Led Housing groups. This survey has revealed the               innovative and inclusive housing models to emerge to
following four most common needs which the                     meet present and future need.
20 ROA D M A PPI N G CO M M UN I TY-L ED H OU S IN G – OV E RV I EW

02
Master
Roadmaps
Ov e rarching R oadmaps         21

Roadmaps and
Case Studies
This project has revolved around the practical goal
of developing a series of roadmaps to achieving
Community-Led Housing projects in Ireland.

In particular, the research has focused primarily on   Where relevant, current ‘roadblocks’ have been
three possible approaches to creating a project,       highlighted in these roadmaps, with potential
as follows:                                            solutions to these roadblocks proposed in our
                                                       Recommendations. Readers are guided at key
  1.	 A Standalone Cooperative                         points to further information contained in our
  2.	 An Owner-Occupied Cohousing                      other handbooks.
      Project
  3.	 A Community Land Trust, with                     Each of the three Master Roadmaps is
      owner-occupied leasehold tenure                  complemented by a subsequent case study
                                                       example, describing what we consider to be
The accompanying handbooks break down the              exemplar international projects demonstrating
processes involved via a series of roadmaps on         what can be achieved by following these
the subjects of Policy, Finance, Land and Getting      respective approaches.
Your Group Ready.
                                                       Based in Berlin, Cambridge and Brussels
This work is synthesised in the three ‘Master          respectively, the case studies demonstrate how
Roadmaps’ overleaf, which outline three potential      diverse Community-Led Housing approaches
step-by-step processes by which community-led          can be adapted to meet the needs of a particular
groups in Ireland can develop their own project.       locality.
Cooperative (Cohousing) Roadmap
Steps to establishing a Cooperative Cohousing project in Ireland.

                  ORIENTATION PHASE                                                               PLANNING PHASE

         01                                                                               03
   FORM A
   ‘PLANNING
   COOPERATIVE’
                                                  02                            DECIDE ON LEGAL
                                                                                STRUCTURE                                    04
   • Agree on aims and                                                          • Initial ‘Planning
                                                                                  Cooperative’ association
     philosophy of the
     community
                                        DEVELOP                                   incorporated in law             PLANNING PHASE
   • Agree membership,
                                        GOVERNANCE                              • Draw up and agree the           • Engage Professionals
                                        STRUCTURE                                 Constitution
     general location, type of
                                                                                • Register with CRO               • Secure an Option
     homes and community                • Decision-making                                                             on a Site
     spaces, target costs and
     tenure model
                                           and working-group                    • Agree cost parameters,          • Planning Workshops
                                           procedures agreed.                     private and shared
     Agree with local                      Harness skills and                     space allocations               • Preparation of contracts/
     authority on strategies               experience of members                  indicated on developed              preliminary agreements
     to inclusively and timely             to maximise efficacy                   plans                               with consultants and
     incorporate Part V                 • Membership                            • Develop Financial                   between members, as
                                                                                                                      required
     members if necessary                  development                            Structure, (including
   • Begin searching for Sites          • Agree on                                process for repayment           •   Agree/Confirm Financial
                                                                                  of equity to outgoing               Strategy
   • Outline Financial                     Communications Policy
                                                                                  members)                            Source project financing
     Concept                            • Engage a Facilitator
                                        • Decide on External                                                      • Prepare Loan-Stock Offer
                                           Expertise                                                              • Plan Construction Phase
                                                                                                                  • Planning Application

                                       EVALUATE MEMBER FINANCES                MEMBERS RAISE C.10-20%            Secure Committment For Loan-Stock
                                       Personal Financial Evaluation for all   EQUITY from Own Assets and
                                       Members/Households                      Savings and/or Loan-Stock
  STEPS TO                                                                                                            Secure Loan For Land Purchase

  FINANCING                            MILESTONE PAYMENT NO.1                  MILESTONE PAYMENT NO.2            MILESTONE PAYMENT NO.3
                                       Small Initial Contribution To           Contribution To Support Project   Contribution To Cover
                                       Support Initial Organisation            Development Work                  Professional Fees And Planning

 ROADBLOCK INFORMATION

    STEP 01                                                                                                           STEP 04
    It is as yet unclear to what                                                                                      There is an absence of
    extent a cooperative could                                                                                        affordable financing sources for
    meet its Part V housing                                                                                           cooperative groups to finance
    requirement from its own                                                                                          their project or purchase land,
    membership, and to what                                                                                           if they can’t do so via their
    extent this will depend on                                                                                        own collective savings/assets.
    the particular local authority’s                                                                                  (Depending on the nature of
    policies and housing demand.                                                                                      the project, Clann Credo could
                                                                                                                      potentially lend up to a max. of
                                                                                                                      €0.75m at 6% for land purchase
                                                                                                                      the lowest rate to emerge from
                                                                                                                      this research.)
NOTE: Please see the Recommendations section of this OVERVIEW handbook
                                                     for proposals to address the roadblocks identified. Further detail is provided in
                                                                       the accompanying POLICY, LAND, and FINANCE handbooks.

                              REALISATION PHASE                                                                 LIVING PHASE

        05                                                                          07
                                          06                                                                          08
COMPLETE DESIGN                                                            CONSTRUCT
PROCESS                                                                    PROJECT
• Investigate Cost-saving/                                                 • Commencement Notice
  Ecological Measures
                                                                           • Construction as either
• On Planning Approval,                                                       own initiative, OR part of     LIVING AND
  secure financing for land     BUY LAND                                      consortium with AHB or
  purchase and project                                                                                       ONGOING
  development
                                • Activate Loan-Stock                         other developer
                                                                                                             MANAGEMENT
                                • Exercise Site Option and                 • Practical Completion
• Complete Tender Drawings                                                                                   • Structure for managing
  and Documentation
                                  purchase land/property                   • Development loans                 shared spaces
                                                                              rolled up into long-term         established
• Tender Project                  (NOTE: If cooperative buys the              loan OR
                                  site with their own funds then                                             • Repayment of long-term
                                  purchasing pre-tender may be
                                  preferable. In this case STEP 06
                                                                           • Long-term loans finance           finance commences
                                                                              construction with
                                  could happen before STEP 05.
                                                                              repayments beginning           • Group management
                                  If the cooperative borrows                  on Practical Completion          of common issues and
                                  money from a financial institution                                           planning for the future
                                  to purchase the site, this will
                                  typically cost c.6-10% per annum
                                                                              (NOTE: Loans are to co-op,
                                                                              not to individual members)
                                                                                                             • Confirmation and
                                  at the time of writing. In this case                                         execution of process for
                                  it is preferable to purchase the
                                  site after tender design stage is        • Coordinate ‘Self-Finish’          inducting new members
                                  complete)                                   Elements post Practical          etc.
                                                                              Completion

                                 Draw Down Land Purchase                    Draw Down Development              Repayment Of Long-Term
                                 Loan (If Required)                         Finance or commercial              Loan And Sinking Fund/
                                 Secure Development                         property mortgage                  Maintenance Costs
                                 Finance Against Land

                                                                         SECURE LONG-TERM FINANCE           REPAYMENT OF LOAN-STOCK
                                                                         Pool Member Equity/Loan-Stock To   according to timetable
                                                                         Secure Long-Term Finance

                                  STEPS 06, 07 + 08
                                  A major Roadblock
                                  identified by this research
                                  is the absence of affordable
                                  development and
                                  long-term finance for
                                  cooperatives.
                                  (See FINANCE and POLICY
                                  handbooks for further
                                  information.)
Photographs © Mina Gerngross

CASE STUDY NO.1

FORUM K REU ZBERG, B E R L I N

CONTEXT                                                    with families and people of all ages in mind. The
Forum Kreuzberg Cooperative is a socio-cultural            commercial elements of the project are channelled
living and working community in the heart of               into supporting cultural projects and charitable
Berlin Kreuzberg. Initially founded in 1972, more          initiatives in the surrounding neighbourhood.
than 150 people are now committed or loosely
involved in running this community. The project has        TENURE/AFFORDABILITY
expanded over the decades from a single initial            Forum K is a rental cooperative. Everybody who joins
building, to today comprising a substantial section        becomes a member by purchasing a €100 share per
of the urban block. Forum K today includes six             m2 of living space. This means that for an apartment of
buildings, encompassing 6,500m2 of living space in         100m2, a co-op member must pay €10,000, although
90 apartments, and 3,500m2 of commercial space,            the cooperative is very flexible in terms of how and
comprising mainly educational and cultural uses.           when shares are paid for, as they are eager to ensure that
                                                           financial means are not a barrier to membership. Forum
Founded on anthroposophical principles, the                K does not have a waiting list, but tries, as apartments
cooperative is structured on the idea of ‘threefolding’,   become available, to find people who will embrace and
aiming to embody the combination of learning,              carry on the collective mission of the co-op to support its
working and living, in one space. Along with living        members and contribute to the wider community.
in the apartments, many cooperative members are
involved in running non-profit associations and            Residents subsequently pay a monthly rent of €8.50/m2
independent initiatives onsite, which focus on work        (that is, equating to €850/month for a 100m2 apartment).
and culture. These include workspaces, a kindergarten,     Heating and electricity costs are additional to this rent,
a cooperative shop, a restaurant, a small theatre, and     but are very low as the cooperative produces all of its
a museum. Workshops on site provide training for           energy on site. Excess energy generated is supplied to
apprentices in sewing, painting, pottery, sculpture,       the grid. Rents will not reduce over time as development
carpentry, machine building and more. A principle of       costs are paid off, as the cooperative invests all surpluses
the cooperative is that a maximum 65% of floorspace is     in the charities and cultural projects it maintains on site.
devoted to living accommodation, with the remaining
35% always maintained for work and cultural activities.      The idea, according to one resident is
Accommodating diversity is a core aim of the
cooperative, and apartments have been designed
                                                             “not to live cheaply, but to live fairly.”
Ov e rarching R oadmaps          25

FINANCING                                                    Energiegesellschaft GbR’ has taken over the largest
The cooperative’s first building was purchased               part of the share capital of this company, in which
privately by Dr. Carl-Michael Wilhelmi, one of Forum         all persons who purchase electricity in Forum
Kreuzberg’s founding members, in 1972. He later              Kreuzberg have joined together as an electricity
donated it to the cooperative in 1985, in return for a       supply community. In this way, the community sells
right-of-residence for life. At the time of purchase,        the electricity, that its members have collectively
the initial building was in very poor condition, and         produced, back to itself.
co-op members employed a significant amount of
sweat equity and self-build to renovate it. Over the         GOVERNANCE STRUCTURE
years, subsequent buildings have been purchased by           To ensure harmony between the three legal entities,
the cooperative using surpluses generated from the           they have collectively formed a working group, the
initial project, along with low interest Energy Efficiency   “ARGE Forum Kreuzberg GbR”. This overarching
Building Loans from the KfW, further loans from GLS          company has appointed four managing directors who
Ethical Bank, and member equity.                             run day-to-day business on a primarily voluntary, and
                                                             sometimes full-time, basis.
LEGAL STRUCTURE
Originally, all activities and assets of the cooperative     In addition, all responsible representatives of these
were combined in a single non-profit association.            various companies meet once a month in the
After 21 years, the living space and much more               “Initiativkreis Forum Kreuzberg”. Together with other
had expanded so that in 1993, after an extensive             people who have been appointed to this group,
organisational development process, three new legal          approximately 30 people work continuously on the
entities were created. The original overall association      day-to-day design issues of the Forum Kreuzberg
was renamed “Forum Kreuzberg Förderverein eV”. A             community. Directly below the Iniativkreis, a further
second entity, “Forum Kreuzberg eV” was created to           18 working groups manage a range of activities,
manage all fields of work such as the kindergarten,          including beekeeping, facade greening, celebrations,
after-school care centre, school shop, youth work,           public relations, construction, living space, productive
theatre and drama school. A third entity, “Forum             space, solidarity, generation change and much more.
Kreuzberg Mietergenossenschaft eG”, was formed
with responsibility for management of the housing            LOCAL GOVERNMENT SUPPORT
cooperative and its real estate, and a 20-year lease         Due to the low cost of the original property, Forum
agreement was arranged for all buildings.                    Kreuzberg did not require state or local government
                                                             support for purchase, although some public funding
In 2013, following completion of additional buildings,       was later secured in order to support renovation
the organisation was again restructured and the              costs. All subsequent developments have been
housing co-op was renamed “Forum Kreuzberg                   self-financed by the cooperative, with the aid of low
Wohngenossenschaft eG”. At this point the leasehold          interest loans from KfW and GLS bank. Some of the
granted to the housing co-op by Forum Kreuzberg              charitable and educational associations run by the
Förderverein eV was converted to a long-lease,               cooperative are also in receipt of public funding.
securing the cooperative a long-term (99-year)
ownership of all apartments. The housing co-op               However, the price of land and property in Kreuzberg
and the development association are holders of               has increased exponentially in the intervening
leaseholds, while the development association is             decades; and such properties are no longer
the sole grantor of leaseholds. The co-op now has            affordable for purchase in this area. Due to the success
around 140 members and 90 residential units in               of Forum Kreuzberg and other cooperatives in this
which approximately 170 people live. The average             neighbourhood, the Berlin government increasingly
apartment size is just over 70m2.                            supports the development of housing cooperatives
                                                             via the policies outlined in Section 2 of our Policy
The co-op members have also created a small                  handbook, including “discounted allocation of state-
energy supply company, which emerged from                    owned land for the construction and use of projects
initial experimentation with a small photovoltaic            aimed at the common good, for example with a
system. This company now comprises PV systems,               focus on multi-generational living, social mix, art and
four CHP (combined heat and power) units, seven              culture or sustainability.”
geothermal probes and several air heat pumps. A
cooperative energy company ‘Forum Kreuzberg
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