Cut arrears. Sustain tenancies. Strengthen revenues.

NestEgg’s Broker Platform helps housing associations reduce arrears by referring tenants to FCA-regulated credit unions for affordable credit – protecting rental income while giving residents a safe alternative to high-cost borrowing.

1 in 10

Renters currently in arrears

£24,000

Average cost per eviction

80%

Social tenants with no savings

850% APR

typical interest rates (legally) charged by high cost lenders

The Challenge: Rising Arrears and Financial Strain

Housing associations face growing pressure as the cost of living crisis drives more tenants into debt. Without access to affordable credit, rent arrears rise – increasing costs for landlords and instability for communities.

High-Cost Debt Spiral

Tenants turn to payday lenders or use rent money to cover expensive debt. This creates a cycle of arrears, financial stress, and greater demand for crisis support.

Rising Arrears Costs

As more tenants fall behind on rent, housing associations face higher arrears management costs and rising eviction expenses – putting additional strain on budgets and staff time.

Community Impact

Evictions destabilise households and communities, while undermining housing associations’ mission to provide secure, affordable homes.

The Solution: Proactive Financial Inclusion

Give tenants access to affordable credit through a single, seamless referral – helping prevent arrears before they escalate.

  • Number-1@2x

    Tenant Portal Integration

    Easily embed NestEgg’s referral portal into your website or tenant app – implementation takes hours, not weeks,

  • Number-2@2x

    Smart Loan Matching

    NestEgg’s AI engine matches tenants to suitable credit union loans from 50+ ethical lenders, showing their likelihood of approval up front.

  • Number-3@2x

    One-Click Applications

    Tenants can apply instantly for pre-approved loans, reducing rejection stress and increasing tenant satisfaction.

  • Number-4@2x

    Financial Health Improvement

    By giving tenants a fair alternative to high-cost borrowing, the platform prevents debt spirals, reduces arrears risk, and supports long-term tenancy sustainment.

NestEgg Loan Results

Proven Results for Housing Providers

Partner housing associations report significant improvements in tenant financial health and arrears reduction.

85% of tenants

become savers when utilising credit union's Save as You Borrow schemes

£280 saving

on a £500 loan when a credit union is chosen over a high cost, short-term lender

91%

of Social Housing providers are open to developing a partnership with a credit union

Don't Just Take Our Word For It

"Our Unlocking tenant financial resilience report aims to help housing associations and community finance providers take advantage of the clear opportunity to increase the scale of their collaboration and support the financial wellbeing of their tenants and customers."

– Fair4All Finance, Unlocking Tenant Financial Resilience

"I became a member of the credit union in 2019 and went to see them because I was in rent arrears. After borrowing some money to clear arrears ahead of my claim coming through, I can honestly say this was the best experience of a financial business I've ever had in my life."

– Nichola, Member of Central Liverpool Credit Union

Ready to reduce arrears and support your tenants?

Join forward-thinking housing associations using NestEgg to prevent financial exclusion and protect tenancy sustainability.

NestEgg Limited is regulated by the Financial Conduct Authority as a Provider of Credit Information Services and for Credit Broking (Firm Reference Number: 920630, Company number: 10427741) NestEgg Limited is acting as an agent of TrueLayer, who is providing the regulated Account Information Service and is Authorised and Regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 and Electronic Money Regulations 2011 (Firm Reference Number: 901096). Copyright © 2024 · NestEgg Ltd
NestEgg ISO 27001 certification