Independent Age asked people to share their thoughts on what a good home means to them, this is what we heard:

These hopes sound universal, yet people’s experiences are not. Being a homeowner or a renter is a significant factor in the likelihood of living in poverty.

Older private renters are at severe risk of financial insecurity and pay the highest proportion of their income on housing costs compared with people in other housing tenures. Yet, with the current housing system failing to deliver the affordable, secure homes that people need, more older people are finding themselves living with financial insecurity.

This research conducted by the UK Collaborative Centre for Housing Evidence (CaCHE) predicts a bleak future, with increasing poverty among older renters as the UK's ageing population grows.

Poverty among older people could increase from 17% in 2022 to 23% in 2040.

Poverty is projected to increase more for older women than older men, going from 20% to a predicted 26%.

Poverty levels among older people with a disability will increase significantly from 18% in 2022 to 29% in 2040.

14% of older women will live in the private rented sector and more than half of these (54%) will be in poverty.

Almost one quarter (24%) of all older people (65+) could be living in rented accommodation by 2040.

The proportion of people aged 65+ living in the private rented sector is forecast to treble from 4% to 13%.

  • “[I want to] feel secure as I get older, which I don't in my current rented flat because there are many maintenance problems which the landlord is not attending to, and which I dare not complain about for fear of eviction.


  • 'Home' is an alien concept to us, as we have rented privately for the past 12 years and there's no security. As we age, we feel so vulnerable. For us, a home would be a secure, genuinely affordable place, free from disrepair [...]


  • I've been a private tenant with this landlord for 12 years... the rent used to be £675 and for the past couple of months she's asked me for £900... She gave me a Section 21... I felt like I was lost, like I was running in the dark.


About the UK Collaborative Centre for Housing Evidence

Established in 2017, the UK Collaborative Centre for Housing Evidence (CaCHE) is a consortium of eight partners in higher education and non-academic institutions. It is the leading evidence centre on housing research in the UK and brings together experts from different disciplines to foster collaboration, knowledge exchange, and engagement with policymakers, practitioners, researchers, and the public.

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