Message from Wales Coop centre

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The easiest way for people to get together and create their own affordable housing solution is to set up a housing coop. A housing coop is a business whose sole purpose is to provide housing for its members. The business owns the house, but all of the members run the business and decide what goes on there. None of the members need capital. And the business can get a mortgage and find the deposit by attracting loan stock investment from supporters.

But it is also possible to lease a house as a housing coop. Bridging the capital gap and putting normally out of reach houses into the hands of people on low incomes.  This is the model used by Machynlleth Housing Coop, and you can watch my presentation about how that all works here:

https://www.youtube.com/watch?v=Nl_561pk2RY&t=20s

But it is also now being used by the UK’s first student coop, who have had the backing of The Phone Coop. It’s a ground breaking new scheme because it leverages financial support from a large commercial organisation. It could be a model successfully adopted by Registered Social Landlords for example, or by other ethical commercial ventures who may see the benefit of having some assets in housing whilst still providing affordable homes.

https://www.youtube.com/watch?v=eApn2fFvJgY  
Rhagfyr 11

Y ffordd haws i bobl dod at ei gilydd a chreu datrysiad tai fforddiadwy ar gyfer eu hun yw sefydlu tai cydweithredol. Mae’r busnes yn berchen ar y tŷ, ond mae’r holl aelodau yn rhedeg y busnes ac yn dewis beth sydd yn digwydd yna. Does dim angen buddsoddiad ymlaen llaw gan yr aelodau. Gall y busnes dod o hyd i forgais ac yn medru ffeindio blaendaliad trwy ddenu buddsoddiad ‘loanstock’ gan gefnogwyr.

Ond mae hefyd yn bosib prydlesu tŷ fel tai cydweithredol. Plygio’r bwlch ariannol a rhoi tai y tu allan i gyrraedd fel rheol mewn dwylo pobl ar gyflogau isel. Mae’r model yma yn cael ei ddefnyddio can Tai Cydweithredol Machynlleth, a gallwch wylio cyflwyniad ar sut mae’n gweithio yma:

https://www.youtube.com/watch?v=Nl_561pk2RY&t=20s

Mae hefyd yn nawr cael ei ddefnyddio gan brosiect tai cydweithredol myfyriwr ar gyfer y tro cyntaf ym Mhrydain, sydd gyda chefnogaeth oddi wrth y Phone Coop. Mae’n gynllun sydd yn torri tir newydd achos mae’n sicrhau cefnogaeth ariannol gan sefydliad masnachol mawr. Gall fod yn fodel llwyddiannus ar gyfer cymdeithasau tai, neu gan fentrau masnachol moesegol eraill sydd yn gweld budd cael asedau fel tai ond yn dal medru darparu tai fforddiadwy.

https://www.youtube.com/watch?v=eApn2fFvJgY
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