A housing unit that has been altered to take into account and support the tenant's disabilities making their home more accessible; this includes wheelchair accessibility and the necessary adaptations for the partially-sighted or those with hearing difficulties.

Housing provided outside the general market to eligible households who otherwise would struggle to afford it, supported by Government funding. Homes let at least 20% below local market rents (affordable rental properties) or let at rates set between market rents and social rents (intermediate rental properties). Calculating market costs takes into account the property size, type and location.

Stef & Philips provides a highly supportive allocations and lettings service that ensures that our local authority and other partners can place and book accommodation in an efficient and effective way.

Actions or behaviours that disrupt or harm the well-being, safety and peaceful coexistence of individuals within a community (or property), such as abuse, noise nuisance, harassment, vandalism and crime.

An increase in the value of a property investment over time.

An adult who has spent time living in the care system but no longer qualifies for any government assistance. The Stef & Philips Leaving Care Programme provides support to these adults to help them develop the necessary life skills.

A large company or a fund investing money in other companies.

These are the works done to ensure that our buildings and homes are fit for purpose for our residents/tenants/service users. Stef & Philips provides construction, renovations and works through Stef & Philips' Construction services.

Tax on domestic property paid by its residents which helps councils pay for the services they provide. Our dedicated team can help you manange your Council Tax bills.

Accommodation available for individuals and families who urgently need somewhere to live; provided by the government for a short term of time.

A repair that is required if there is a serious health risk or safety hazard to a tenant or the property if left unresolved; this includes (but is not limited to) fire damage, flooding, blocked flue, unsecured outside window, door or lock, loss of gas, electricity or water supply.

A collective investment where capital of different investors is pooled together and used by fund managers to invest in various opportunities. A family fund refers to the same structure but among family members.

A scheme where Stef & Philips guarantee regular rental payments to the property owner regardless of whether the property is occupied or not.

A property rented out by several tenants from different households with shared communal and kitchen areas. A large HMO home is when both of the following apply:

- At least 5 tenants live there, forming more than 1 household
- They share a toilet, bathroom or kitchen facilities with other tenants
- Large HMOs need a licence from the local council.

A public register of all properties licensed as houses in multiple occupation.

As a person to be legally defined as homeless you must either lack a secure place in which you are entitled to live or not reasonably be able to stay.

A member of Stef & Philips' staff who visits the property to perform occupancy checks and remains the first point of contact for the tenant during their stay in Stef & Philips' accommodation.

An organisation responsible for finding accommodation for a tenant, including local authorities, housing associations and charities.

An agreement between a landlord and a tenant which gives the tenant the right to live in the property for a fixed period of time.

An end-to-end service provided by Stef & Philips, including property sourcing, remodelling and refurbishment, lettings management, maintenance, repairs and compliance.

Long-term, affordable housing solutions. The goal of Stef & Philips is to help residents move from temporary and emergency accommodation into move-on accommodation.

An individual person investing money in a property.

A process of investing money in property with the intention of generating financial returns over time.

A property owned by a landlord and leased to a tenant (the landlord could be an individual, a property company or an institutional investor).

A collaboration between a government agency (such as local council) and a private-sector company (such as Stef & Philips).

The income received by landlords owning the property.

The works or repairs done by Stef & Philips ensure that the buildings and homes we provide are safe and secure for our residents/tenants/service users. This also means that the buildings and homes are kept to a high standard and good condition for landlords.

Low-cost housing provided by councils, housing associations or charities to vulnerable members of society.

A housing scheme where accommodation is provided along with support, supervision or care in order to help tenants live independently.

An investment strategy that seeks to generate financial returns while also creating a positive social impact. When investing with Stef & Philips, one can gain financial returns while also making a meaningful difference to the lives of those who need it.

Short-term accommodation available for individuals and families who are homeless and need to wait for an offer of long-term housing from a local authority.

Someone living in a Stef & Philips property.

Utilities are either electricity or gas or water relating to the services required to either heat, light or provide water for Stef & Philips buildings. The utility company is the company that supplies gas and electricity to a property.

A period of time when a rental property is left unoccupied. Stef & Philips guarantee no loss of rent during void periods.