James Stewart

Renters with incomes of More Than £30,000 are being excluded from so-called affordable housing schemes, even though they can afford to pay the Rent .

Some applied through adverts where no minimum income level was listed, only to be told they did not earn enough.

The minimum income for most schemes varies from £35,000 to about £60,000.

The Chair of parliament's housing committee says the official regulator needs to investigate how affordable housing tenants are chosen.

Affordable housing is for people " on limited incomes" according to the UK government's Department for Levelling Up, Housing and Communities.

But it can be confusing. The term affordable housing covers various schemes to Rent or buy - each with their own qualifying criteria.

Looking through adverts of affordable housing to Rent in London, The Bbc found that 28 out of 40 listings seen did not state a minimum income requirement.

Eleven of those that did advertise minimum income criteria required between £30,000 and £60,000. There was one exception of £27,750.

The median income in the capital is £34,424 per year, according to government data.

Housing charity Shelter told us people on low incomes were " effectively being screened out" by housing providers, in favour of higher-earners seen as less likely to miss monthly Rent payments.

Government cuts to affordable housing funding have meant providers must be " really focused on their bottom line" says The Charity 's head of policy, Charlie Trew.

The Bbc put that charge to The Department for Levelling Up, Housing and Communities - But it did not provide a response.

We also asked whether renters on lower incomes were being " screened out".

In a statement, a spokesperson said that " affordable housing is for those on limited incomes and offers must reflect this".

They added that it was " completely unacceptable" that providers were " misleading tenants with inaccurate advertising".

These listings we saw were on the websites of housing providers, property search sites, as well as the London mayor's Homes for Londoners website. Other listings couldn't be accessed by The Bbc , because it meant registering with a housing association or local authority.

Sam, who's 26, pays £925 per month to privately Rent a room in a two-bed flat in East London .

He had hoped to buy a place of his own and had saved up £15,000 towards a deposit.

He jumped at the chance to apply for a rental flat in an affordable housing Scheme - a so-called London Living Rent property aimed at people who want to save long-term for a deposit.

The advert he saw stated a maximum income of £60,000 But he says it failed to mention a minimum figure.

During the application process he asked to change to another flat at a different development run by the same housing association - L& Q.

The Rent for The Second property, in Newham, was similar to what he was paying for a single room. It also offered the security of a three-year tenancy, and the option to buy if he wanted.

But he missed out because of his " low income". L& Q told Sam he'd need a minimum income of £36,000.

" It just makes me feel quite hopeless, " says Sam, who works at a university's science department.

He says he feels stuck in a paradox. He doesn't qualify for social Rent - council housing - But at the same time doesn't earn enough to be eligible for affordable rental schemes.

" I feel like I'm in this invisible range. "

When he asked the housing association for more feedback he discovered that renting the property was always going to be a non-starter because of the savings he already had.

" To be told that I don't earn enough money, But at the same time have too much, was confusing, " Sam says.

Affordable housing to Rent is provided by housing associations and local authorities - But it has several forms:

The London Living Rent property Sam applied for is, in-part, funded by The Mayor of London's office.

The Mayor 's website describes The Living Rent properties as " genuinely affordable".

A spokesperson for The Mayor 's team said it " encourages all housing providers to be clear and transparent" about how tenants are allocated properties.

Sam says he has now given up on trying to Rent through any affordable housing Scheme - and also his dream of becoming a homeowner.

He has decided to stay on at his flat. His landlord has put up his Rent .

Sam's story was put to L& Q. The Company 's director of strategic sales, John Lumley, told us:

" Demand for these schemes is very high, and our processes are designed to make sure that We Are matching customers with The Best possible home for them. "

He added that there is eligibility information on L& Q's website and that its advisers " work with prospective customers to support them to make an informed choice about applying for these schemes or, where appropriate, other options. "

The housing association apologised if any customers " have not had a positive experience" and said it always welcomed feedback.

Responding to our findings, Labour MP Clive Betts , who chairs parliament's housing select committee, called on the Regulator of Social Housing to do a " very precise investigation" on how tenants are being selected for affordable housing.

Currently, the regulator oversees the majority of providers, But does not monitor affordability checks or The Way people are chosen for tenancies.

" It seems to me that if the associations are regulated and their tenancies are regulated, then how the tenancies are Set Up and how they are advertised should be regulated as well, " said Mr Betts.

He also said the government needed to look at its guidance on affordable housing " with a degree of urgency".

Have you tried to access affordable housing But have been rejected because of your income? Has some other criteria made you ineligible? You can share your experiences by emailing .

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Source of news: bbc.com