Why we are engaging with Cairn Housing Association Ltd (Cairn)
We are engaging with Cairn about the transfer of engagements from Pentland Housing Association (Pentland) and ANCHO Ltd (ANCHO).
Following a successful ballot of its tenants, Pentland transferred its engagements to Cairn on 1 April 2022 and was removed from the Register of Social Landlords on 14 December 2022. Since then we have monitored the progress of the integration of Pentland into Cairn and the delivery of the commitments Cairn has made to Pentland’s tenants and service users.
Following a successful ballot of its tenants, ANCHO transferred its engagements to Cairn on 1 April 2025 and was removed from the Register of Social Landlords on 7 November 2025. Since then we have monitored the progress of the integration of ANCHO into Cairn and the delivery of the commitments Cairn has made to ANCHO’s tenants and service users.
What Cairn must do
Cairn must send us quarterly updates on progress with the delivery of the commitments Cairn has made to Pentland and ANCHO tenants and service users.
What we will do
We will:
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review the updates on the delivery of the commitments Cairn has made to Pentland and ANCHO tenants and service users and engage as necessary; and
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update our published engagement plan in the light of any material change to our planned engagement with Cairn.
Regulatory Returns
Cairn must provide us with the following annual regulatory returns and alerts us to notifiable events as appropriate:
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Annual Assurance Statement;
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audited financial statements and external auditor’s management letter;
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loan portfolio return;
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five year financial projections; and
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Annual Return on the Charter.
It should also notify us of any material changes to its Annual Assurance Statement, and any tenant and resident safety matter which has been reported to or is being investigated by the Health and Safety Executive or reports from regulatory or statutory authorities or insurance providers, relating to safety concerns.