Research Report England Repossession Hotspots 2010/11

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Research Report England Repossession Hotspots From the Shelter policy library June 2011 www.shelter.org.uk 2011 Shelter. All rights reserved.

1 Research Report England Repossession Hotspots From the Shelter policy library June Shelter. All rights reserved. This document is only for your personal, non-commercial use. You may not copy, reproduce, republish, post, distribute, transmit or modify it in any way. This document contains information and policies that were correct at the time of publication.

2 Introduction Shelter has conducted this research to create a national picture of England s repossession hotspots. These hotspots are identified as areas with the highest proportion of homeowners who have been issued with a possession order for their home, and are therefore at serious risk of repossession. With experts predicting repossessions will rise to 45,000 next year and the threat of interest rates rises looming the report has been produced to encourage homeowners who will be hit when interest rates rise to start preparing now for higher mortgage costs so they don t find themselves at risk later down the line. The results in this report are based on 12 months worth of statistics for the financial year to provide robust data and a more accurate picture of those at risk. Method This analysis was carried out using the Ministry of Justice statistics on claims leading to possession orders by mortgage lenders, published in May The issuing of a possession order is an advanced stage of the repossession process and while these homes are not all certain to be repossessed some orders are suspended - there is a serious risk that they will be. A rate of possession claims leading to orders 2 was calculated for each local authority, using the latest available government data on numbers of 3. The tables in this report show these rates for each local authority, nationally and region by region. Local authorities were then ranked by their rate of claims leading to orders and split into three groups: o o o higher, which is the top quintile (fifth) the repossession hotspots mid, which is the middle three quintiles, and lower, which is the bottom quintile. The maps in this report show the results of this analysis, nationally and by each region. Local authority unemployment rates and trends 4 were then analysed against the three possession order rate groups above to explore links between rates of possession orders and unemployment. The results in this report are based on statistics for the financial year, and include all Local authorities in England 5. 1 Statistics on mortgage and landlord possession actions in the county courts in England and Wales first quarter 2011: Table 1B. Possession orders may be granted or suspended. 2 Social rented and publicly owned dwellings removed as they are not subject to the same type of possession claims and orders. The rented sector is included as these homes may be repossessed in the same way as mortgaged homes. 3 DCLG Housing Live Table 100 Dwelling stock: Number of Dwellings by Tenure and district: England; 2010, DCLG website 4 Unemployment statistics from the Annual Population Survey, ONS, NOMIS website 5 Excluding City of London and Isles of Scilly, due to low residential populations Shelter 2

3 Key Findings Rates of claims leading to possession orders vary widely across local authorities in England, with the highest rate (Corby, 7.56 per 1000 ), some nine times higher than the lowest rate (West Dorset 0.83). [see figure 2] Higher rates of claims leading to possession orders are strongly associated with both higher and increasing rates of unemployment: [see figure 3] o o The average rate of unemployment in the local authorities with the highest rates of possession orders leading to claims stands at 9.6 per cent, compared to 5.3 per cent in the areas with the lowest possession order rates. Unemployment has risen, on average, by 3.3 per cent over the last three years in the local authorities with the highest rates of possession orders 6, compared to a 1.4 per cent increase in the local authorities with the lowest possession order rates. Average rates by region appear to follow a clear regional pattern, with the highest rates of claims leading to possession orders in the northern regions of England, and the lowest rates in the south. [see figure 4] The regional rates disguise wide variations within region, most markedly in London, where the local authority with the highest rate is Barking and Dagenham, (6.62) which is some eight times greater than the lowest rate in the region (Kensington and Chelsea, 0.84). [see figure 17] Mapping of the results reveals some clustering of the local authorities with the highest rates of claims leading to possession orders in: o Tyneside o A red ribbon of repossessions across northern England from the Mersey in the west to the Humber estuary in the east o Kent coastal towns (Thurrock, Medway, Swale) o The Wash (South Holland, Fenland, Peterborough) [see figure 1] 6 Highest possession order rates, or repossession hotspots, defined as being in the top quintile (20%) nationally, lowest rates are in the bottom quintile (20%) nationally 2011 Shelter 3

Figure 1: Rates of claims leading to possession orders, financial year, national map Tyneside KEY: Rate of mortgage claims leading to possession orders Northern red ribbon The Wash Higher

4 Figure 1: Rates of claims leading to possession orders, financial year, national map Tyneside KEY: Rate of mortgage claims leading to possession orders Northern red ribbon The Wash Higher rate Mid rate Lower rate Kent/ Essex coastal towns Sources: Possession order rates: Ministry of Justice statistics, May 2011; Private, DCLG Housing Live Table 100, DCLG website 2011 Shelter 4

5 Results contents Figure no. Title Page 1 Rates of claims leading to orders, financial year, 4 national map 2 Table of number and rates of claims leading to possession 6 orders (POs), by local authority - ranked by rate of POs 3 Unemployment rates and trend, by claims leading to 13 possession order rates 4 Table of rates of claims leading to possession orders (POs), 14 regional overview 5 Rates of claims leading to possession orders, North East 15 region table 6 Rates of claims leading to possession orders, North East 16 region map 7 Rates of claims leading to possession orders, North West 17 region table 8 Rates of claims leading to possession orders, North West 18 region map 9 Rates of claims leading to possession orders, Yorkshire & 19 Humber region table 10 Rates of claims leading to possession orders, Yorkshire & 20 Humber region map 11 Rates of claims leading to possession orders, East Midlands 21 region table 12 Rates of claims leading to possession orders, East Midlands 22 region map 13 Rates of claims leading to possession orders, West Midlands 23 region table 14 Rates of claims leading to possession orders, West Midlands 24 region map 15 Rates of claims leading to possession orders, East of 25 England region table 16 Rates of claims leading to possession orders, East of 26 England region map 17 Rates of claims leading to possession orders, London region 28 table 18 Rates of claims leading to possession orders, London region 29 map 19 Rates of claims leading to possession orders, South East 30 region table 20 Rates of claims leading to possession orders, South East 31 region map 21 Rates of claims leading to possession orders, South West 33 region table 22 Rates of claims leading to possession orders, South West region map Shelter 5

6 Results Figure 2: Table of rates of claims leading to possession orders (POs), by local authority - ranked by rate of POs Local authority Region Number of POs 1 Corby East Midlands Barking and Dagenham London Thurrock UA East of England Knowsley North West Newham London Doncaster Yorkshire and Humber Halton UA North West Tamworth West Midlands Kingston upon Hull, City of UA Yorkshire and Humber Rochdale North West Tameside North West Luton UA East of England Fenland East of England Salford North West Harlow East of England Nottingham UA East Midlands Stockton-on-Tees UA North East Sunderland North East Oldham North West Bradford Yorkshire and Humber Blackburn with Darwen UA North West Wigan North West Sandwell West Midlands County Durham UA North East Middlesbrough UA North East Manchester North West Peterborough UA East of England Lewisham London North East Lincolnshire UA Yorkshire and Humber Nuneaton and Bedworth West Midlands Stoke-on-Trent UA West Midlands Pendle North West Blackpool UA North West Bolton North West Rotherham Yorkshire and Humber Hartlepool UA North East Liverpool North West Wellingborough East Midlands Gateshead North East Burnley North West Wakefield Yorkshire and Humber Shelter 6

7 Local authority Region Number of POs 42 South Holland East Midlands Croydon London Slough UA South East Darlington UA North East Leicester UA East Midlands North Lincolnshire UA Yorkshire and Humber South Tyneside North East Walsall West Midlands Northampton East Midlands Greenwich London Cannock Chase West Midlands Rossendale North West Medway UA South East Bury North West Milton Keynes UA South East Kirklees Yorkshire and Humber Swale South East St. Helens North West Southwark London Hyndburn North West Erewash East Midlands Ashfield East Midlands Birmingham West Midlands 1, Telford and Wrekin UA West Midlands Waltham Forest London Wolverhampton West Midlands Basildon East of England Calderdale Yorkshire and Humber Bassetlaw East Midlands Redcar and Cleveland UA North East Boston East Midlands Bolsover East Midlands Mansfield East Midlands Barnsley Yorkshire and Humber Sefton North West Newcastle upon Tyne North East Thanet South East Newcastle-under-Lyme West Midlands Dartford South East Wirral North West East Northamptonshire East Midlands North Tyneside North East Redbridge London North Warwickshire West Midlands Sheffield Yorkshire and Humber Kettering East Midlands Shelter 7

8 Local authority Region Number of POs 88 Ipswich East of England Swindon UA South West Warrington UA North West Chorley North West Lambeth London South Derbyshire East Midlands Redditch West Midlands Castle Point East of England Enfield London Leeds Yorkshire and Humber Selby Yorkshire and Humber West Lindsey East Midlands West Lancashire North West Coventry West Midlands Carlisle North West East Staffordshire West Midlands Bexley London Hinckley and Bosworth East Midlands Lincoln East Midlands Rugby West Midlands Dover South East Forest Heath East of England Wyre North West Crawley South East Derby UA East Midlands Great Yarmouth East of England Portsmouth UA South East Preston North West Tendring East of England Broxbourne East of England Hackney London Stevenage East of England Northumberland UA North East Gloucester South West North West Leicestershire East Midlands Newark and Sherwood East Midlands Gravesham South East Dudley West Midlands Tower Hamlets London Gosport South East Stockport North West Breckland East of England Plymouth UA South West Havering London Gedling East Midlands Hounslow London Shelter 8

9 Local authority Region Number of POs 134 Southend-on-Sea UA East of England Bracknell Forest UA South East Wyre Forest West Midlands Hastings South East Hillingdon London Brent London East Lindsey East Midlands South Ribble North West Trafford North West Chesterfield East Midlands Amber Valley East Midlands Epping Forest East of England Cheshire West and Chester UA North West South Kesteven East Midlands Maidstone South East Havant South East Forest of Dean South West Braintree East of England North East Derbyshire East Midlands Central Bedfordshire UA East of England Barrow-in-Furness North West East Riding of Yorkshire UA Yorkshire and Humber Merton London Lancaster North West Solihull West Midlands Ealing London Ashford South East Tonbridge and Malling South East Rushmoor South East Daventry East Midlands Norwich East of England Sedgemoor South West Copeland North West Reading UA South East Southampton UA South East Cheshire East UA North West Torbay UA South West Stafford West Midlands Lichfield West Midlands Isle of Wight UA South East Shepway South East St Edmundsbury East of England Worcester West Midlands Hertsmere East of England Huntingdonshire East of England Fylde North West Shelter 9

10 Local authority Region Number of POs 180 High Peak East Midlands Allerdale North West Sutton London Watford East of England Oadby and Wigston East Midlands Charnwood East Midlands Waveney East of England Colchester East of England Melton East Midlands Tandridge South East Welwyn Hatfield East of England Haringey London Blaby East Midlands Harrow London Bristol, City of UA South West Richmondshire Yorkshire and Humber Bromley London Canterbury South East Broxtowe East Midlands South Staffordshire West Midlands Staffordshire Moorlands West Midlands Bournemouth UA South West North Somerset UA South West Maldon East of England North Kesteven East Midlands Cherwell South East Worthing South East Adur South East Poole UA South West Aylesbury Vale South East Wycombe South East Harborough East Midlands Cheltenham South West Barnet London Eastleigh South East Spelthorne South East Scarborough Yorkshire and Humber South Somerset South West Chelmsford East of England Bedford UA East of England Ribble Valley North West Dacorum East of England Rochford East of England Reigate and Banstead South East Wealden South East Rutland UA East Midlands Shelter 10

11 Local authority Region Number of POs 226 King s Lynn and West Norfolk East of England South Northamptonshire East Midlands Torridge South West Shropshire UA West Midlands Surrey Heath South East Windsor and Maidenhead UA South East Stroud South West Eastbourne South East West Berkshire UA South East Bromsgrove West Midlands Sevenoaks South East South Gloucestershire UA South West Basingstoke and Deane South East North Hertfordshire East of England Wiltshire UA South West Epsom and Ewell South East Uttlesford East of England Babergh East of England Arun South East Horsham South East Mendip South West Teignbridge South West Kingston upon Thames London Three Rivers East of England Stratford-on-Avon West Midlands Cotswold South West Fareham South East Wychavon West Midlands East Hertfordshire East of England Harrogate Yorkshire and Humber Cornwall UA South West Lewes South East Malvern Hills West Midlands Woking South East East Hampshire South East Weymouth and Portland South West Wandsworth London Herefordshire, County of UA West Midlands Craven Yorkshire and Humber South Norfolk East of England Warwick West Midlands Oxford South East East Cambridgeshire East of England Brentwood East of England North Devon South West Islington London Shelter 11

12 Local authority Region Number of POs 272 Brighton and Hove UA South East Wokingham UA South East Hart South East South Cambridgeshire East of England Broadland East of England North Norfolk East of England Runnymede South East Bath and North East Somerset UA South West Rother South East Vale of White Horse South East East Dorset South West York UA Yorkshire and Humber Tunbridge Wells South East South Bucks South East Rushcliffe East Midlands West Somerset South West Mole Valley South East Tewkesbury South West Westminster London Derbyshire Dales East Midlands Chichester South East Hambleton Yorkshire and Humber Test Valley South East Chiltern South East East Devon South West St Albans East of England Mid Sussex South East Winchester South East Mid Devon South West Richmond upon Thames London North Dorset South West West Devon South West South Hams South West Suffolk Coastal East of England West Oxfordshire South East Waverley South East Mid Suffolk East of England Taunton Deane South West Eden North West Hammersmith and Fulham London New Forest South East Purbeck South West Guildford South East Exeter South West Elmbridge South East Christchurch South West Cambridge East of England Shelter 12

13 Local authority Region Number of POs 319 Ryedale Yorkshire and Humber South Oxfordshire South East Camden London South Lakeland North West Kensington and Chelsea London West Dorset South West Sources: PO numbers are from Ministry of Justice statistics, May 2011; Private are from DCLG Housing Live Table 100, DCLG website The dividing lines on Figure 1 above show where the higher, mid and lower quintiles are situated the top 65 are described as hotspots. Figure 3: Unemployment rates and trend, by claims leading to possession order quintiles Claims leading to possession orders, rate Rate of unemployment, September 2010 Trend in unemployment September 2007 September 2010 Higher 9.6% +3.3% Middle 6.7% +2.1% Lower 5.3% +1.4% Sources: PO rates: Ministry of Justice statistics, May 2011; Private, DCLG Housing Live Table 100, DCLG website; unemployment rates and trend, Annual population survey, ONS, NOMIS website (missing data excluded), median averages Figure 3 above shows that the current rate of unemployment in the local authorities with the highest fifth of possession order rates is 9.6%, compared to 5.3% in the local authorities with the lowest rates of possession orders. The three-year trend in unemployment (+3.3%) is also higher in authorities with higher rates of claims leading to possession orders than in those with lower rates (+1.4%) There are two main ways of measuring unemployment, and the table above uses the Labour Force survey which asks respondents if they have actively sought work in the last four weeks. Analysis using the other main measure of unemployment - Jobseekers Allowance claimant counts, shows a similar pattern with higher rates in the local authorities with the highest rates of possession orders Shelter 13

14 Regional results Figure 4: Table of number and rates of claims leading to possession orders (POs), regional overview Region Number of POs per 1,000 North East 3, North West 9, Yorkshire and The Humber 6, East Midlands 5, West Midlands 5, East of England 5, London 6, South East 6, South West 3, England 53, Sources: PO numbers are from Ministry of Justice statistics, May 2011; Private are from DCLG Housing Live Table 100, DCLG website Figure 5: Table, number and rates of claims leading to possession orders,, North East region (within region) (national) Local authority Number of POs North East region 3, Stockton-on-Tees UA Sunderland County Durham UA Middlesbrough UA Hartlepool UA Gateshead Darlington UA South Tyneside Redcar and Cleveland UA Newcastle upon Tyne North Tyneside Northumberland UA Sources: PO numbers are from Ministry of Justice statistics, May 2011; Private are from DCLG Housing Live Table 100, DCLG website 2011 Shelter 14

Figure 6: Rates of claims leading to possession orders,, North East region map KEY: Rate of mortgage claims leading to possession orders Higher rate Gateshead South Tyneside Mid rate Lower rate

15 Figure 6: Rates of claims leading to possession orders,, North East region map KEY: Rate of mortgage claims leading to possession orders Higher rate Gateshead South Tyneside Mid rate Lower rate Sunderland County Durham H pool Darlington S ton on Tees R car & C land Sources: PO rates: Ministry of Justice statistics, May 2011; Private, DCLG Housing Live Table 100, DCLG website. Contains Ordnance Survey data Crown copyright and database right Shelter 15

16 Figure 7: Number and rates of claims leading to possession orders,, North West region table (within region) (national) Local authority Number of POs North West region 9, Knowsley Halton UA Rochdale Tameside Salford Oldham Blackburn with Darwen UA Wigan Manchester Pendle Blackpool UA Bolton Liverpool Burnley Rossendale Bury St. Helens Hyndburn Sefton Wirral Warrington UA Chorley West Lancashire Carlisle Wyre Preston Stockport South Ribble Trafford Cheshire West and Chester UA Barrow-in-Furness Lancaster Copeland Cheshire East UA Fylde Allerdale Ribble Valley Eden South Lakeland Sources: PO numbers are from Ministry of Justice statistics, May 2011; Private are from DCLG Housing Live Table 100, DCLG website 2011 Shelter 16

Figure 8: Rates of claims leading to possession orders,, North West region map KEY: Rate of mortgage claims leading to possession orders Higher rate Mid rate Blackpool Liverpool Knowsley Halton St

17 Figure 8: Rates of claims leading to possession orders,, North West region map KEY: Rate of mortgage claims leading to possession orders Higher rate Mid rate Blackpool Liverpool Knowsley Halton St Helens Pendle H Burn B burn Bolton Wigan Salford Lower rate Burnley Ross dale Rochdale Oldham Tameside M chester Bury Sources: PO rates: Ministry of Justice statistics, May 2011; Private, DCLG Housing Live Table 100, DCLG website. Contains Ordnance Survey data Crown copyright and database right Shelter 17

18 Figure 9: Number and rates of claims leading to possession orders,, Yorkshire & Humber region table (within region) (national) Local authority Number of POs Yorkshire & Humber region 6, Doncaster Kingston upon Hull, City of UA Bradford North East Lincolnshire UA Rotherham Wakefield North Lincolnshire UA Kirklees Calderdale Barnsley Sheffield Leeds Selby East Riding of Yorkshire UA Richmondshire Scarborough Harrogate Craven York UA Hambleton Ryedale Sources: PO numbers are from Ministry of Justice statistics, May 2011; Private are from DCLG Housing Live Table 100, DCLG website 2011 Shelter 18

Figure 10: Rates of claims leading to possession orders,, Yorkshire and Humber region map Bradford Kingston upon Hull Kirklees Wakefield North East Lincs KEY: Rate of mortgage claims leading to

19 Figure 10: Rates of claims leading to possession orders,, Yorkshire and Humber region map Bradford Kingston upon Hull Kirklees Wakefield North East Lincs KEY: Rate of mortgage claims leading to possession orders Doncaster North Lincs Higher rate Mid rate Lower rate Rotherham Sources: PO rates: Ministry of Justice statistics, May 2011; Private, DCLG Housing Live Table 100, DCLG website. Contains Ordnance Survey data Crown copyright and database right Shelter 19

20 Figure 11: Number and rates of claims leading to possession orders,, East Midlands region table (within region) (national) Local authority Number of POs East Midlands region 5, Corby Nottingham UA Wellingborough South Holland Leicester UA Northampton Erewash Ashfield Bassetlaw Boston Bolsover Mansfield East Northamptonshire Kettering South Derbyshire West Lindsey Hinckley and Bosworth Lincoln Derby UA North West Leicestershire Newark and Sherwood Gedling East Lindsey Chesterfield Amber Valley South Kesteven North East Derbyshire Daventry High Peak Oadby and Wigston Charnwood Melton Blaby Broxtowe North Kesteven Harborough Rutland UA South Northamptonshire Rushcliffe Derbyshire Dales Sources: PO numbers are from Ministry of Justice statistics, May 2011; Private are from DCLG Housing Live Table 100, DCLG website 2011 Shelter 20

Figure 12: Rates of claims leading to possession orders,, East Midlands region map Ashfield Nottingham South Holland Erewash Leicester KEY: Rate of mortgage claims leading to possession orders Corby

21 Figure 12: Rates of claims leading to possession orders,, East Midlands region map Ashfield Nottingham South Holland Erewash Leicester KEY: Rate of mortgage claims leading to possession orders Corby Well boro Higher rate Mid rate N hampton Lower rate Sources: PO rates: Ministry of Justice statistics, May 2011; Private, DCLG Housing Live Table 100, DCLG website. Contains Ordnance Survey data Crown copyright and database right Shelter 21

22 Figure 13: Number and rates of claims leading to possession orders,, West Midlands region table (within region) (national) Local authority Number of POs West Midlands region 5, Tamworth Sandwell Nuneaton and Bedworth Stoke-on-Trent UA Walsall Cannock Chase Birmingham 1, Telford and Wrekin UA Wolverhampton Newcastle-under-Lyme North Warwickshire Redditch Coventry East Staffordshire Rugby Dudley Wyre Forest Solihull Stafford Lichfield Worcester South Staffordshire Staffordshire Moorlands Shropshire UA Bromsgrove Stratford-on-Avon Wychavon Malvern Hills Herefordshire, County of UA Warwick Sources: PO numbers are from Ministry of Justice statistics, May 2011; Private are from DCLG Housing Live Table 100, DCLG website 2011 Shelter 22

Figure 14: Rates of claims leading to possession orders,, West Midlands region map Stoke-on- Trent KEY: Rate of mortgage claims leading to possession orders Higher rate Telford & Wr. Cannock Ch.

23 Figure 14: Rates of claims leading to possession orders,, West Midlands region map Stoke-on- Trent KEY: Rate of mortgage claims leading to possession orders Higher rate Telford & Wr. Cannock Ch. Mid rate Lower rate Tamworth Sandwell Walsall Nuneaton Birm ham Sources: PO rates: Ministry of Justice statistics, May 2011; Private, DCLG Housing Live Table 100, DCLG website. Contains Ordnance Survey data Crown copyright and database right Shelter 23

24 Figure 15: Number and rates of claims leading to possession orders,, East of England region table (within region) (national) Local authority Number of POs East Of England region 5, Thurrock UA Luton UA Fenland Harlow Peterborough UA Basildon Ipswich Castle Point Forest Heath Great Yarmouth Tendring Broxbourne Stevenage Breckland Southend-on-Sea UA Epping Forest Braintree Central Bedfordshire UA Norwich St Edmundsbury Hertsmere Huntingdonshire Watford Waveney Colchester Welwyn Hatfield Maldon Chelmsford Bedford UA Dacorum Rochford King s Lynn and West Norfolk North Hertfordshire Uttlesford Babergh Three Rivers East Hertfordshire South Norfolk East Cambridgeshire Brentwood South Cambridgeshire Shelter 24

(within region) (national) Local authority Number of POs per 1000 42 276 Broadland 65 1.32 43 277 North Norfolk 60 1.32 44 297 St Albans 60 1.21 45 305 Suffolk Coastal 60 1.16 46 308 Mid Suffolk 40 1.

25 (within region) (national) Local authority Number of POs per Broadland North Norfolk St Albans Suffolk Coastal Mid Suffolk Cambridge Sources: PO numbers are from Ministry of Justice statistics, May 2011; Private are from DCLG Housing Live Table 100, DCLG website Figure 16: Rates of claims leading to possession orders,, East of England region map KEY: Rate of mortgage claims leading to possession orders Higher rate Mid rate Lower rate Fenland P boro Luton Harlow Thurrock Sources: PO rates: Ministry of Justice statistics, May 2011; Private, DCLG Housing Live Table 100, DCLG website. Contains Ordnance Survey data Crown copyright and database right Shelter 25

26 Figure 17: Number and rates of claims leading to possession orders,, London region table (within region) (national) Local authority Number of POs London region 6, Barking and Dagenham Newham Lewisham Croydon Greenwich Southwark Waltham Forest Redbridge Lambeth Enfield Bexley Hackney Tower Hamlets Havering Hounslow Hillingdon Brent Merton Ealing Sutton Haringey Harrow Bromley Barnet Kingston upon Thames Wandsworth Islington Westminster Richmond upon Thames Hammersmith and Fulham Camden Kensington and Chelsea Sources: PO numbers are from Ministry of Justice statistics, May 2011; Private are from DCLG Housing Live Table 100, DCLG website 2011 Shelter 26

Figure 18: Rates of claims leading to possession orders,, London Region map Newham Bark & Dag Southwark Greenwich KEY: Rate of mortgage claims leading to possession orders Croydon Higher rate Mid

27 Figure 18: Rates of claims leading to possession orders,, London Region map Newham Bark & Dag Southwark Greenwich KEY: Rate of mortgage claims leading to possession orders Croydon Higher rate Mid rate Lower rate Lewisham Sources: PO rates: Ministry of Justice statistics, May 2011; Private, DCLG Housing Live Table 100, DCLG website. Contains Ordnance Survey data Crown copyright and database right Shelter 27

28 Figure 19: Number and rates of claims leading to possession orders,, South East region table (within region) (national) Local authority Number of POs South East region 6, Slough UA Medway UA Milton Keynes UA Swale Thanet Dartford Dover Crawley Portsmouth UA Gravesham Gosport Bracknell Forest UA Hastings Maidstone Havant Ashford Tonbridge and Malling Rushmoor Reading UA Southampton UA Isle of Wight UA Shepway Tandridge Canterbury Cherwell Worthing Adur Aylesbury Vale Wycombe Eastleigh Spelthorne Reigate and Banstead Wealden Surrey Heath Windsor and Maidenhead UA Eastbourne West Berkshire UA Sevenoaks Basingstoke and Deane Epsom and Ewell Arun Shelter 28

29 (within region) (national) Local authority Number of POs Horsham Fareham Lewes Woking East Hampshire Oxford Brighton and Hove UA Wokingham UA Hart Runnymede Rother Vale of White Horse Tunbridge Wells South Bucks Mole Valley Chichester Test Valley Chiltern Mid Sussex Winchester West Oxfordshire Waverley New Forest Guildford Elmbridge South Oxfordshire Sources: PO numbers are from Ministry of Justice statistics, May 2011; Private are from DCLG Housing Live Table 100, DCLG website 2011 Shelter 29

Figure 20: Rates of claims leading to possession orders,, South East region map KEY: Rate of mortgage claims leading to possession orders Milton Keynes Higher rate Mid rate Lower rate Slough Medway

30 Figure 20: Rates of claims leading to possession orders,, South East region map KEY: Rate of mortgage claims leading to possession orders Milton Keynes Higher rate Mid rate Lower rate Slough Medway Swale Sources: PO rates: Ministry of Justice statistics, May 2011; Private, DCLG Housing Live Table 100, DCLG website. Contains Ordnance Survey data Crown copyright and database right Shelter 30

31 Figure 21: Number and rates of claims leading to possession orders,, South West region table (within region) (national) Local authority Number of POs per 1000 South West region 3, Swindon UA Gloucester Plymouth UA Forest of Dean Sedgemoor Torbay UA Bristol, City of UA Bournemouth UA North Somerset UA Poole UA Cheltenham South Somerset Torridge Stroud South Gloucestershire UA Wiltshire UA Mendip Teignbridge Cotswold Cornwall UA Weymouth and Portland North Devon Bath and North East Somerset UA East Dorset West Somerset Tewkesbury East Devon Mid Devon North Dorset West Devon South Hams Taunton Deane Purbeck Exeter Christchurch West Dorset Sources: PO numbers are from Ministry of Justice statistics, May 2011; Private are from DCLG Housing Live Table 100, DCLG website 2011 Shelter 31

Figure 22: Rates of claims leading to possession orders,, South West region map KEY: Rate of mortgage claims leading to possession orders Higher rate Mid rate Lower rate Sources: PO

32 Figure 22: Rates of claims leading to possession orders,, South West region map KEY: Rate of mortgage claims leading to possession orders Higher rate Mid rate Lower rate Sources: PO rates: Ministry of Justice statistics, May 2011; Private, DCLG Housing Live Table 100, DCLG website. Contains Ordnance Survey data Crown copyright and database right Shelter 32

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