A secure, restricted-access environment connecting developers, pension funds, debt providers, government bodies, guarantors and insurers through a single syndicated capital structure.
The Platform is where the capital behind key worker housing is arranged. Developers, pension funds, debt providers, government bodies, guarantors, insurers and sovereign funds each take part through their own structure, and Lloyds, as clearing bank, syndicates the guarantees, debt and security across them.
Capital is deployed efficiently, risk sits with the participant best placed to carry it, and affordable housing is delivered without relying on public subsidy.
Access is restricted to organisations reviewed and approved by The Key. Until the portals open, requests are handled by our team.
Six participation structures, each calibrated to the mandate of the organisation using it. Every participant shares our commitment to the social purpose behind the model.
Forward funding and development finance
Developers with planning consent apply for low-cost development finance and institutional forward funding, then deliver turnkey key worker housing with tenants pre-committed from The Key's register.
Long-dated investment
Long-dated, inflation-linked income secured by UK residential housing assets with government-backed rent guarantees, matching the liability profile of pension and insurance capital.
Structured facilities
Secured lending against affordable housing assets and institutional guarantees, with first-charge security and predictable long-term cash flows that sit within conservative credit mandates.
Guarantee structures
Central and local government bodies, housing authorities and guarantee providers support delivery at scale without expanding the public balance sheet or relying on traditional subsidy.
Risk transfer
Insurance providers and securities specialists structure and syndicate the risk transfer that makes institutional affordable housing viable, opening a new market for the insurance and capital markets industry.
Forward purchase
Forward purchase of developments on a 70-year completion basis, acquiring institutional-grade affordable housing assets with income structured for long-term sovereign mandates.
If you represent an institution that may be eligible to participate, tell us who you are and how you would take part. Our team reviews every request.
Your organisation, your role and the participation structure you are interested in.
We assess your organisation against our participation criteria and reply within five working days.
Approved organisations are onboarded to the relevant participation structure once the portals open.
Looking for a home, not a portal?
Housing applications are made through the Key Worker App, not The Platform.
