Willow Housing Co-Operative. Est 1983

A Housing Co-op


(since 1984)

Willow Housing Co-operative (East Anglia) Ltd is a FULLY MUTUAL HOUSING ASSOCIATION.

The definition of a “Fully Mutual“housing association is found under s.1(2) of the Housing Associations Act 1985.

This states that the Rules of the association:

(a) Restrict membership to person who are tenants or prospective tenants of the association; and

(b) Preclude the granting or assignment of tenancies to persons other than members.

Further to this, a fully mutual housing association must be registered under the Industrial and Provident Societies Act 1965 (IPS 1965).

Willow Housing Co-operative satisfy these definitions as we are (since 1984) registered under the Industrial and Provident Societies Act 1965, and only tenants or prospective tenants of the housing association will be classed as members and moreover, that no one is granted a tenancy by the housing association unless they are a member.

A key feature of a fully mutual housing association is that they are Unable to grant Assured Shorthold Tenancies by virtue of Schedule 1, paragraph 12(1)(h) Housing Act 1988.

Willow’s Handbook “Mission Statement” clearly states that “Willow is an Industrial and Provident Society (IPS) registered with the Financial Services Authority (FSA) as a Friendly Society. Est Dec 1984, Reg No 24513R.” (Under the Industrial and Provident Societies Act 1965.)

Also under “Housing Cooperatives” that “only tenants or prospective tenants may be members, and only members may hold a tenancy.”

Willow Housing Co-operative used to use “Licence Agreements” for single members in our HMOs, but as we no longer house single people….

Since March 2013 we have been using a “Contractual Tenancy Agreement” for the family homes.

These Agreements were last updated in July 2016.


4 Responses to “A FULLY MUTUAL STATUS”

  1. willowhousing Says:

    You may not be a “Fully Mutual” Housing Co-operative.

  2. John Says:

    Can a fully mutual coop grant membership to a prospective tenant, even if there is no intention of the prospective tenant to become a tenant of the coop. This is the stance of my housing coop. It grants membership to tenants of a large housing association who live in houses that the coop manages on behalf of that association. The tenants of the housing association have secure tenancies.

    • willowhousing Says:

      I would need more info..
      I am not a legal adviser.
      But I think if you are renting the property from a higher landlord and acting as a management agent for them. then the tenants are not prospective tenants but full member/tenants. they no longer have a valid agreement with their prior landlord but a new agreement with you (If they agree and sign)
      Dont see how they can be “prospective” if they are in property you are renting. and dont see how their original tenancies are valid.

      Call me Pete 07891 803396.

      • John Says:

        Hi Pete. I did not ask this very well. The prospective tenants are living in houses that are owned by a housing association. They are paying rent to that housing association and have tenancy agreements with the housing association. I do not think the tenants have any intention to break their tenancy agreemements with the HA. However they are members of our coop.

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