guest blog – MRI – NHC Partnership announcement

MRI Software is proud to be partnering with Northern Housing Consortium (NHC) as a Supporter Member; a partnership which reflects our shared commitment to supporting communities across the North.

This collaboration is about more than just technology. It’s about helping housing providers do what they do best: connecting people with safe, secure, and affordable homes. Through our platform, NHC members can streamline how they manage housing registers, advertise available properties, and allocate homes fairly and efficiently; all while staying compliant with the latest regulations.

Deborah Matthews, Managing Director for MRI Living for Social Housing at MRI Software commented:

“We’re genuinely honoured to be chosen as the Northern Housing Consortium’s Preferred Partner. At MRI, we understand the pressures facing housing teams right now with rising demand, tight budgets, and the growing need to support the most vulnerable in our communities. That’s why we’re committed to helping make their work easier, more effective, and more rewarding. We’re not just offering software solutions, we’re offering a partnership, trusted expertise, and tools that help deliver better outcomes for residents.”

Backed by decades of experience and trusted by more than 900 housing providers across the UK and Ireland, MRI’s social housing solutions are designed to reduce voids, support sustainable tenancies, and improve the day-to-day experience for staff and residents alike.

Together with NHC members, MRI Software are looking forward to building stronger services and stronger communities.

Bullwall guest blog – The Evolving State of Ransomware – The Risks, The Exploits, and the Defenses

Ransomware has become the cornerstone of cybercrime, with attackers evolving their tactics to bypass defenses and cause widespread disruption. Organizations face significant challenges as ransomware continues to exploit weaknesses in security measures and operational processes. A more targeted understanding of these vulnerabilities is essential for mitigating risks and ensuring resilience.

Zero-Day Exploits: A New Era of Ransomware Tactics

Zero-day exploits represent one of the most significant challenges in ransomware defense today. These vulnerabilities, unknown to vendors and unpatched at the time of exploitation, provide attackers with a powerful advantage.

Traditional security solutions, such as signature-based antivirus programs or endpoint protection tools, struggle to identify and defend against zero-day attacks. By the time a signature or patch is developed, attackers have often already deployed ransomware payloads, leaving organizations scrambling to contain the damage.

The rise of artificial intelligence has exacerbated this problem. AI enables attackers to scale the discovery and exploitation of zero-day vulnerabilities. With AI-driven tools, bad actors can automate the creation of malware variants, dramatically increasing the number of zero-days deployed in a short period. This capability not only overwhelms traditional defenses but also allows attackers to target multiple victims simultaneously, creating chaos at scale.

Zero-day vulnerabilities frequently target trusted systems, such as email servers or remote access tools, making them particularly difficult to detect. Organizations must focus on adaptive security measures, such as behavior-based monitoring and rapid incident response, to mitigate the risks posed by these advanced threats.

Unauthorized Access: The Gateway to Ransomware Attacks

Unauthorized access remains one of the most common starting points for ransomware incidents. Attackers often exploit stolen credentials or weak authentication practices to infiltrate systems.

Credential theft and misuse are particularly effective because they allow attackers to bypass traditional perimeter defenses entirely. Once inside, attackers leverage their access to disable security measures, escalate privileges, or deploy ransomware payloads on critical systems.

The increasing reliance on remote access technologies, such as VPNs and RDP, has only expanded the attack surface. Attackers use these access points to establish a foothold, often undetected, and launch ransomware attacks with devastating precision.

To mitigate these risks, organizations must strengthen authentication mechanisms, limit administrative privileges, and implement monitoring tools to detect and respond to unauthorized access attempts.

Early Indicators of Compromise: The Missed Opportunities

Ransomware attacks rarely happen instantaneously. Instead, attackers often leave behind early indicators of compromise (IoCs), such as unusual file access patterns, unauthorized changes to scheduled tasks, or attempts to disable security solutions.

Despite these warning signs, many organizations fail to act in time. The lack of real-time monitoring or automated responses allows attackers to proceed unchallenged, increasing the scope of damage.

The challenge lies in identifying these signals early and taking swift, automated action to contain the threat before it spreads. Organizations need tools that not only detect these IoCs but also act decisively to minimize the impact, isolating affected systems and preventing further escalation.

Containment Challenges: When Prevention Falls Short

Even with robust prevention strategies, no organization is immune to ransomware. Attackers are adept at bypassing traditional defenses, making it essential to focus on containment as a critical layer of defense.

The primary challenge with containment is the speed and scale of ransomware attacks. Once deployed, ransomware can encrypt files and disrupt operations within minutes, with new strains encrypting an astonishing 50,000 files per minute. Without the ability to isolate the affected systems quickly, organizations risk widespread damage and extended downtime.

A containment-first approach is increasingly recognized as a key component of resilience strategies. By limiting the scope of an attack to its initial entry point, organizations can protect critical systems and data, ensuring faster recovery and continuity of operations.

The Path Forward: Adapting to Ransomware’s Evolution

The growing sophistication of ransomware demands a shift in strategy. Organizations must move beyond prevention alone and adopt a comprehensive approach that integrates detection, containment, and response.

Key steps include:

  • Strengthening access controls and monitoring for unauthorized activity.
  • Focusing on early detection of IoCs to intercept threats before they escalate.
  • Implementing containment measures to minimize the impact of successful attacks.
  • Adopting adaptive defenses capable of addressing zero-day exploits and scaling incident response.

By addressing these challenges, organizations can reduce their exposure to ransomware and maintain operational resilience, even in the face of evolving threats.

 

Find out more about BullWall’s Ransomware Containment solution here.

Find out more about how BullWall’s Server Intrusion Protection solution reduces breach risk and enhances ransomware resilience by securing remote server access and critical server tasks here.

Find out how BullWall Virtual Server Protection for VMware, secures virtual servers by preventing unauthorized access and encryption attempts from external sources on ESXi hosts here.

MRI Software guest blog – Urgent Call for Better Solutions as Temporary Accommodation Costs Spiral

Deborah Matthews, Managing Director, MRI Living for Social Housing. MRI Software

Local Authorities are currently facing a challenging and ongoing budget crisis, with some spending over £500,000 each week on temporary accommodation. This situation is not only unsustainable but also deeply concerning, as it drains valuable resources and fails to provide the lasting solutions that communities desperately need.

The issue is prominently featured in the headlines: daily reports of families living in substandard conditions and local councils struggling to manage the demand. The consequences include damaged reputations, growing frustration among both staff and tenants and a sense of helplessness stemming from the chronic shortage of housing. Addressing the issue of housing shortages cannot be done overnight, putting councils in a difficult situation.

Housing Consultant and public and social housing policy and practice specialist Neil Morland commented “Bed and breakfast (B&B) accommodation is the most expensive form of temporary housing for local authorities, with significantly higher costs than local authority/housing association stock, which offers much better value. From April 2023 to March 2024, local authorities in England spent a record £2.2bn on temporary accommodation, doubling from five years prior, and incurred a £1bn deficit. On March 31, 2024, a record 117,450 households occupied temporary accommodation.

Despite accounting for nearly one-third of temporary accommodation expenditure (£700 million), B&Bs represented only 15% of usage. The income generated from households in B&Bs covered only 40% of their costs, forcing local authorities to absorb the remaining 60%!

Other types of temporary housing, such as night-paid accommodation and private-sector leases, also incurred deficits.

Local authority and housing association stock comprised only 4% of expenditure but accounted for 24% of usage, resulting in a 30% surplus. This was the only type of temporary accommodation that generated a positive net expenditure.

Reducing the number of households occupying temporary accommodation is the best way to reduce temporary accommodation deficit net expenditure. However, high numbers of households continuing to seek homelessness assistance from local authorities, bringing down the levels of temporary accommodation usage are unlikely to happen in the short-term”

From a technology provider’s perspective, we believe there are opportunities for improvement. Many councils face challenges managing substantial expenses and intricate cases using traditional spreadsheets, which can lead to errors and overlooked priorities. We see this as an area where enhanced technology solutions could make the process more efficient and support councils in navigating their responsibilities more effectively.

“We understand the pressure local authorities are under—massive waiting lists, nowhere to house people, and no budget left to find alternatives,” said Deborah Matthews, Managing Director for MRI Living for Social Housing at MRI Software. “It’s at a crisis point, and it’s been that way for too long. Something needs to change now.”

As a leading supplier to the sector, MRI Software encourages councils to evaluate their processes and identify any inefficiencies that may be exacerbating the current crisis. Investing in smart, purpose-built, and, most importantly, affordable software solutions can be transformative. These tools can help councils manage temporary accommodation more effectively, track cases, and ensure that the most vulnerable individuals receive the assistance they need before their situations deteriorate.

“We know it’s a tough job, but we believe there’s a way to make it easier,” added Deborah. “There are technology solutions designed specifically to manage temporary accommodation, helping staff manage caseloads, track and prioritise needs, and keep people from falling through the cracks.”

As the government greenlights the 5,000 brownfield developments, local authorities must act quickly and make their internal processes more efficient. Investing in the right technology could make a big difference, helping councils stretch their budgets further and provide better outcomes for those in need.

Protecting the housing sector from cyber attacks

Do you ever wonder how you would stop ransomware if it bypassed your existing cyber security solutions? Does the thought of the unknown vulnerabilities in your network keep you up at night? Are you concerned that your cyber insurance might not cover the full extent of damages caused by a ransomware attack?

If these concerns resonate with you, we invite you to learn about BullWall. Our solution is uniquely designed to stop ransomware in its tracks after an attack has started. With 24/7, 365 monitoring, BullWall detects ransomware activity, isolates and quarantines the affected user, and quickly identifies any encrypted files—typically between 10-50—for swift recovery.

Imagine having a solution to protect you from active ransomware attacks, that costs less per year than 2 hours of downtime!

United Welsh Housing, Tai Tarian, Tai Calon, Valleys to Coast, Cardiff Community, First Choice, Cynon Taf, Caredig Housing all did, and now they are all protected by BullWall, the experts in ransomware resilience.

Bullwall are the NHC’s newest Supporter member, broadening the expertise we can offer to our members. Find out more at our 1 hour webinar in January – and do encourage colleagues to join us!

Locata’s new Homelessness Academy will be launched in November

Locata’s new Homelessness Academy will be launched in November. It is designed to be a comprehensive, flexible learning experience built to guide and enhance homelessness professional development. The course flow follows the route homelessness case officers normally pursue while developing their skills in a local authority. It is also designed to support staff at all levels throughout their careers in homelessness.

We will be holding a Launch Event with a demonstration of the Academy’s unique and comprehensive training program at our National User Group on 28 November 2024. Attendees of our NUG will be offered an exclusive discount for any subsequent enrolled learners. To register to attend our NUG, please follow this link: https://tinyurl.com/3t796nmy

The Academy was developed in collaboration with Andy Gale and a group of housing professionals and is specifically designed to tackle critical issues in housing and homelessness and addresses organisational issues such as staff turnover, work-related stress and skills development.

Organisations that embrace Locata Academy’s homelessness training will benefit from a more stable, skilled and motivated workforce. Officers on the course can access 10 blocks of e-learning with comprehensive links to legal provisions, guidance and further reading with more than 100 instructional videos and downloadable slides, transcripts, toolkits and template decision letters. There are also multiple choice questions to test your progress at the end of each block of learning and personal certificates of accomplishment.

Once the course has been completed, alumni will be given the opportunity to keep in touch with their peers on Locata Academy. Membership allows ongoing access to all the sections completed, as well as the ability to consult all of the resources and downloads, continued use of the forums and notifications of relevant updates and changes in homelessness legislation as they evolve.

For more information visit the webpage at: https://locata-academy.org.uk/

 

Driving Digital Transformation in Housing: A New Era for Tenant Engagement

In the fast-evolving landscape of housing in the UK, digital transformation is not just a buzzword but a strategic necessity. Housing associations, traditionally seen as conservative entities in adopting digital technologies, are now at the forefront of this revolution, providing more accessible, efficient, and customer-centric services. A prime example of this shift is the pioneering efforts of Johnnie Johnson Housing, a leading housing association in the North of England, which has embarked on a remarkable journey to redefine tenant experience through digital innovation.

Partnership for Innovation

At the beginning of the pandemic, Johnnie Johnson Housing recognised the urgent need to streamline processes and improve the way tenants managed their accounts online.  They partnered with Mediaworks, for their expertise and data-driven approach to design a new suite of tenant-facing digital platforms. This wasn’t just about technological progress but about putting tenants at the heart of the digital framework, enhancing online experiences, and accelerating a shift from manual to digital self-service.

A Comprehensive Digital Strategy

The strategy involved developing a mobile-first website, a user-friendly digital portal, and a convenient app, all designed to provide seamless experiences across multiple devices. Research and integration were the two key pillars of Mediaworks’ approach. By conducting focus-group research with residents and prospective tenants, the team gathered valuable insights that helped shape a customer-first digital estate. This involved building user-based personas to understand varied user needs and integrating with existing housing management systems through bespoke APIs, ensuring a frictionless cross-platform experience.

Impressive Outcomes

The impact of these digital platforms has been profound. Within just three months of its launch, Johnnie Johnson Housing saw an 82% increase in new housing applications and a surge in portal users, with a 732% increase in new users engaging with digital services for the first time. These figures not only underscore the success of the digital transformation project but also highlight the growing demand for digital self-service options among tenants.

Expanding the Digital Frontier

Home Group, another notable player in the housing sector, has also embraced digital transformation with Mediaworks’ assistance. By improving online search capabilities and transaction processes, Home Group has significantly reduced Recurring inquiry tasks, freeing up resource for those in greatest need. Their new digital experience, informed by customer focus groups and featuring personalised content, has led to a remarkable 486% increase in online interactions with the repairs section of their website.

Looking Ahead

These transformations by Johnnie Johnson Housing and Home Group are not isolated successes but part of a broader movement towards digitalisation in the housing sector. Mediaworks have partnered with several housing associations, through the Northern Housing Consortium, including Bernicia Homes, Ongo Homes and Salix Homes, helping them transform their digital experiences.

By putting customer experience first and leveraging digital technologies, housing associations can enhance service delivery, improve operational efficiencies, and meet the evolving needs of their tenants.

The journey of digital transformation in the housing sector is a testament to the power of innovation and collaboration. As housing associations continue to navigate the digital landscape, their efforts will undoubtedly shape a more connected, efficient, and tenant-centric future.

This article provides a concise overview of the digital transformation initiatives undertaken by Johnnie Johnson Housing and Home Group, illustrating the significant benefits of embracing digital technologies in the housing sector.

For more information visit https://www.mediaworks.co.uk

How Valuations could assist Balance the Decarbonisation Investment Cost

There is an increasing amount of pressure from funders within the sector, for the valuation of securitised portfolios to include the associated costs of decarbonisation works. Whilst the Government’s most recent messaging on EPC and Net-Zero targets may have softened, we can be assured the sector will not overlook the importance and the need for more energy efficient homes and the benefits they provide the communities they serve. As a consequence, and rightly so, this investment is a necessity and one which will continue, with all actions focussed upon providing the best homes possible.

There is no getting around the fact that the level of capital expenditure required to fund decarbonisation, creates a significant challenge and putting these costs into valuations takes a huge amount of value out, however with some changes to loan security requirements, there may well be a part solution we can explore.

As Valuers, JLL are currently urging funders to adopt a ‘lotting’ approach to loan security valuations to help the sector’s stock decarbonisation efforts. ‘Lotting’ involves the allocation of different properties into groups according to factors such as tenure, size and geography, as well as other portfolio characteristics.

This is by no means a new approach to assessing value; it has been used in stock rationalisation sales for the past two decades as a means to generate demand. In turn this can often drive more value, by opening up sales to a wider audience and parties who may not necessarily be in a position to acquire an entire portfolio. It assumes the ability to purchase individual lots and is conducted with the support of a direct evidence base from previous market transactions.

Although this approach is adopted under commercial lending, for loan security valuations in social housing finance, valuers have not been permitted to use ‘lotting’. Funders currently instruct on a restricted basis of valuing units in a single hypothetical portfolio.

We would argue that the current restrictions are not maximising value, as it does not truly reflect how a lender would actually realise its security if there were a default. The value of ‘lotting’ is making valuations a truer reflection of the market into which the security would be sold. To provide some context, if valuing 1,000 units for loan security, we are currently assuming a single hypothetical transaction rather than four lots of, say, 250 units each, which is not how the market generally trades.

If funders were to allow valuers to overlay how the market actually operates, in most cases, albeit not all, you should be able to produce a higher value that is more reflective of how security would be realised. This additional value would then allow us to deal with a large part of the decarbonisation problem and its impact upon portfolio values.

JLL is actively lobbying the sector via various forums, providing the supporting modelling to demonstrate the positive impact ‘lotting’ can provide in meeting some of the current investment
challenges. As with anything new to the sector, it is an evolving conversation, but if anyone would be interested in finding out more, we would very much welcome the opportunity to share the discussion.

Richard Houghton – JLL Affordable Housing Valuation North
richard.houghton@jll.com

How social housing boosts our economy – Hays Guest Blog

As homelessness numbers soar and rent prices are ever-increasing, the importance of social housing is more apparent than ever. Currently, almost one-fifth (17%) of households in England live in social housing; that’s four million households. However, a further 1.2 million are still on the waiting list.

New laws point to better living conditions for people in social housing, but how will advancements in the quality – and potentially quantity – of these properties create more jobs, increase social mobility, and have a positive impact on our economy?

Changes for the better

Developments in recent months have seen the Social Housing (Regulation) Act – which aims to support tenants living in unsafe homes and hold inadequate landlords accountable for such conditions – became an enforceable law. This will greatly improve the quality of life for many social housing residents, as new powers have been given to the Regulator of Social Housing and the Housing Ombudsman; landlords may now be issued unlimited fines, strict time limits can be set to address unsafe living environments, and social housing managers have new qualification requirements.

Aside from the obvious benefits of improving quality of life and safety, these new regulations will also bring economic advantages, due to the increased level of management now required for these homes. In fact, housing associations and local authorities’ management of properties in England already adds around 12.7 billion to the economy and supports over 200,000 jobs; this figure will likely rise as a result of the more stringent requirements.

Social housing can reduce unemployment  

People in social housing may be facing challenging personal or financial situations, which can act as barriers to employment. But social housing providers can offer valuable services such as support with job hunting, access to training, skills development and funding. Reducing unemployment can bolster economic growth, due to a decrease in benefits payments, among other secondary economic pressures that come from high levels of unemployment.

Increased social housing construction offers ample job opportunities for construction workers. Between 2016-2023, an impressive 140,000 construction jobs were created as a result of a record number of new affordable housing in London. However, the ratio of new social housing in comparison to other builds is decreasing.

Job opportunities within social housing

Social housing generates a variety of job opportunities within communities. Besides construction workers, here are some other positions required in the social housing industry:

  • Housing officers oversee properties on behalf of housing associations and local authorities. Responsibilities include assessing the needs of housing applicants and inspecting properties.
  • Property upkeep roles – such as damp and mould surveyor, fire prevention, retrofit, and backlog maintenance – as homes need to be kept in working order and free of hazards.
  • Countless other jobs, including tenant advice, income recovery, leasehold officer, and project worker.

Future social housing growth is uncertain

With the general election approaching in just over a year’s time, the outlook for social housing growth is still up in the air, as social housing policies vary heavily between political parties. One thing for certain is that increasing social housing would have a positive impact on our economy, something that is more important than ever as the nation battles turbulent waters and shoulders the strain of the cost-of-living crisis.

Hays is working in partnership with Band of Builders to support the wellbeing and mental health of construction workers. We’re also proud work with The Retrofit Academy, supporting their mission of driving retrofit skills and knowledge.

Recruiting for your team or organisation? Then register your vacancy with us today.

Summit Sponsor Blog – Locata

Locata offer a suite of web-based Housing Software products all with the unique selling point of being highly configurable, allowing our clients to build the system to their own needs. We’re a not-for-profit company owned by Local Authorities and RSLs, originally developing our Choice Based Lettings Module for these partners. Since our founding we’ve expanded our product offering significantly, now covering the full-service spectrum, including Allocations, Homelessness, Housing Standards, Housing Management and much more.

Summit Sponsor Blog – Campbell Tickell

New consumer standards for social housing in England: a brave new world, or business as usual? The truth, as so often, lies probably somewhere inbetween.

 

The Social Housing (Regulation) Act 2023 will drive some considerable change in regulation from April 2024, but it isn’t wholesale change.

Let’s start by being clear: there’s very little change as far as economic regulation goes. The Regulator of Social Housing (RSH) remains concerned to ensure that registered providers (RPs) comply with the governance and financial viability, value for money and rent standards (where applicable) and will continue to regulate against these standards in much the same way as at present. We’ll see some changes to what it can do if RPs don’t comply, such as the ability to require performance improvement plans, and an enhanced ability to issue fines – but for the most part, we anticipate that economic regulation is going to feel pretty similar to what’s gone before.

It’s a different story when it comes to consumer regulation. The origins of the Act lie, after all, in an understanding that legislating for a somewhat hands-off approach to regulating the quality of homes and services may have played a part in failing to prevent the tragedies at Grenfell Tower and in Rochdale, where Awaab Ishak died. So it’s unsurprising that there is to be a whole new approach to consumer regulation, including the advent of inspections – which it seems will be closely modelled on the approach to In-Depth Assessments (IDAs), but will now cover consumer regulation and extend to local authorities and ALMOs for the first time.

New-style consumer regulation will be underpinned by a new set of regulatory standards, on which consultation closed earlier this month. There are undoubtedly some important changes to these: the introduction of distinct requirements in relation to domestic abuse, for example; raised expectations about how data about homes and tenants should be used to inform investment and service delivery; and more emphasis on diversity than previously.

In our own response to the consumer standards consultation, we welcomed the changes. We drew attention, too, to areas where we thought the drafting could potentially have gone further, reaching for more substantial change: for example, in relation to sustainability and environmental considerations; to safeguarding; and to tenant involvement. We questioned why there should be no specific expectations in relation to fairness and respect, given their pivotal significance, and we suggested that the standards are rather quiet about the problems caused to tenants by nuisance where it stops short of posing a safety risk, but nonetheless impacts significantly on quality of life.

But we know that the consumer standards represent a set of high-level outcomes which can’t possibly cover everything, and are intended to represent fundamental, baseline expectations of what a social housing provider should deliver. And while understanding of what represents good practice moves on over time, the outcomes social housing is intended to achieve arguably haven’t changed that much. So it shouldn’t be a surprise that for the most part, the content of the new standards is familiar, drawing heavily on the previous set, albeit the bar has been raised where this was felt uncontrovertibly to be needed.

But in any case, if reshaping of regulation is going to drive changes in the sector in the way that politicians have intended, it probably isn’t going to be through the standards themselves (although the changes will doubtlessly focus attention in a helpful way). Rather it is the removal of the serious detriment bar (which prevented the RSH getting much involved unless there was a serious risk to tenants), the introduction of inspection and the advent of a grading for consumer standard compliance which are likely to make RPs sit up and take notice – and the associated depth and rigour with which providers will be expected to assure themselves – and the regulator – that they comply with, and even go beyond, the standards.