Kingdom Housing Association

Affordable home charitable bond investment programme given £15m boost

Housing minister Kevin Stewart during a previous visit to Kingdom Housing Association’s project in Kincardine

The Scottish Government has delivered more action to increase the delivery of affordable housing with the announcement of a £15 million increase to its charitable bond investment programme.

Charitable bonds are a way of providing loans to social housing providers, which are repaid over a period of up to ten years. The 2018/19 budget for charitable investments is increasing from £25m to £40m, generating an estimated £10m through interest raised on the bonds.

Announcing the additional funding on a visit to Kingdom Housing Association’s regeneration project in Kincardine, housing minister Kevin Stewart said: “We are always looking at ways we can increase the supply of affordable housing and support developers, housing associations and councils get new projects off the ground. Part of our pledge to deliver 50,000 affordable homes is to make the most of existing public funds and secure additional private sector investment.

“We are the only government in the UK to invest in charitable bonds. The interest we receive from the bonds is given to social housing providers and is another important step towards achieving our target for affordable homes.”

To date the Scottish Government has invested in 16 charitable bonds, providing almost £95m development finance for more than 1,000 affordable homes, and generating in excess of £20m in additional charitable bond donations for social housing projects.

The investment in Allia’s charitable bonds has so far provided loans to 11 housing associations across Scotland. The interest on these loans will create a grant fund of £20m to support the delivery of houses for those on the lowest incomes.

Phil Caroe, director of social finance at Allia, said: “Allia’s charitable bond programme with Scottish Government has been a great success over the last three years, offering a unique source of finance that is supporting new developments around the country.

“We’re delighted that the Scottish Government is now increasing its funding for this programme, which will result in even more people in Scotland being able to live in an affordable home.”

The Kincardine development by Kingdom Housing Association includes 49 mixed tenure affordable homes, partly funded from charitable bond loans.

Bill Banks, chief executive at Kingdom Housing Association, added: “At Kingdom we are progressing an increased development programme, which will contribute to the 50,000 target and we are aiming to optimise the range of funding sources available to support and deliver the programme.

“The Allia charitable bond funding of £15.25m drawn by Kingdom so far is a welcomed addition to this portfolio supporting delivery of up to 293 affordable homes.”

Campion Homes completes 1000th home for Kingdom Housing Association

Bill Banks, chief executive of Kingdom Housing Association, with Peter Bell, chairman of Campion Homes

Campion Homes has marked the completion of its 1000th home for Kingdom Housing Association with the hand-over of a property at Kincardine.

Staff and design team consultants from the Dunfermline-based builder joined Kingdom employees at Kincardine to celebrate the milestone event and to mark the completion of the final phase of the redevelopment of Kincardine High Flats which has delivered 133 new affordable homes on the site of three former high-rise blocks.

Handing over the keys of their 1000th home for Kingdom, Campion chairman Peter Bell said: “This is a proud day for us and I would like to congratulate all those involved from our own company and also Kingdom Housing Association who have worked together to successfully complete this development.

“Over the last 28 years we have worked very closely with Kingdom and grown alongside them to attain a turnover of £30 million and become an important employer in Fife with a staff of 125 and over 200 more sub-contractors.”

He added: “Kingdom has been at the forefront of pioneering the use of modern methods of construction and introducing energy efficient systems and it has been exciting to be involved in constantly improving standards while delivering much needed homes.

“It has also been very rewarding to work with Kingdom to deliver additional value to strengthen local communities by creating training and apprenticeship opportunities, working with schools and delivering public art programmes.”

Peter Bell and Bill Banks outside the 1000th property in Kincardine

Campion, established by Mr. Bell and George Cruikshank in 1989, has worked with Kingdom on some its most innovative projects including the award-winning Passivhaus in Pittenweem and the Housing Innovation Showcase development in Dunfermline.

Mr. Bell explained: “It has been a pleasure to work so closely with Kingdom and to have been able to take forward the expertise and experience we have acquired with them to work with other housing associations in East and Central Scotland.”

Bill Banks, group chief executive at Kingdom, congratulated Campion on the 1000th unit completion and said: “Campion has been one of our development partners for many years and the completion of their 1000th home for us is a remarkable achievement. We have always felt Campion is a proactive, local family-based contractor that has consistently delivered for Kingdom and the Fife Alliance of housing associations.

“They recognise what we are trying to achieve and embrace our objectives both in terms of the provision of high quality sustainable housing and the added value that can be provided through delivering community benefits as part of the affordable investment programme.”

Bill added: “It is a tremendous credit to Campion that their drive, capacity and ability has been aligned well with Our aims and objectives, for so long and to such effect.”

Clerk of Works – Kingdom Housing Association


Clerk of Works

Salary Scale Point 28 – 31 (£28,771 – £31,900)


Do you have the technical knowledge, experience and communication skills to help us deliver our New Build Development Programmes? And do you thrive taking forward a challenging workload? If yes, we will be delighted if you choose to apply for this post.


As one of 3 Clerks of Works you will be a key member of our Development team providing technical advice & support and supervision on site for New Build Housing and other projects being delivered as part of our Development Programme.


Kingdom Housing Association is a leading developer of quality affordable homes in Scotland. We work in Fife, Clackmannanshire, Perth & Kinross and Falkirk delivering more than 400 new build homes each year, as well as initiatives that benefit local communities.


There is an attractive salary and benefits package with 37 days annual leave per year (pro-rata for part time employees) plus an additional 2 days leave after 5 years and after 10 years service respectively.


The post is subject to a Standard Police Act Disclosure Scotland check and a current full UK driving licence and use of car for work purposes is essential for this post. Further information and an application pack are available:

Please quote vacancy number 502.

The closing date for applications is at 12 Noon on Thursday 29 March 2018. The intention is that interviews will be held on the 19 or 20 April.

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Kingdom helps local residents build careers in construction

(from left) James Heard, Campion Homes; Julie Watson, Kingdom Housing Association; Ian McCreadie, Campion Homes

Three Inverkeithing residents are the latest jobseekers to benefit from a Construction Academy organised by Fife WorksKingdom Housing Association’s employability project.

Lynne Dunn, Kingdom’s Fife Works manager, explained: “We have recently completed our latest construction academy in partnership with Campion Homes, our main contractor for the regeneration development in Fraser Avenue, Inverkeithing. Priority for spaces on the academy was given to local individuals, particularly those from South West Fife and Inverkeithing.”

Three Inverkeithing residents participated in the academy, and two of them, James Heard and Shaun Gillan, successfully completed the construction academy and after a period of work experience with Campion Homes, they have both started employment with them as general labourers. The third local resident has entered into other employment within the industry.

Julie Watson, development manager with Kingdom, recently met with Shaun and James on site and wished them well with their new jobs.

Julie said: “All the participants, who took part in the Construction Academy have been very excited about the prospect of new employment and we are particularly pleased that three of the local Inverkeithing residents are directly benefitting from the programme.”

Shaun, who will be moving in to one of the new homes in Fraser Avenue, is delighted:  “This was a great opportunity to move into construction work and a chance to participate in the work carried out in Fraser Avenue. It was great being part of the team building my new home.”

James added: “The Academy gave me really useful skills and qualifications and I’m really pleased to be in full time employment.”

The academy was part funded by the Scottish Government’s People and Communities Fund, Fife ETC and South East Inverkeithing WRAPP funding.

During 2017/18 the Fife Works has delivered three Construction Academies, with 36 individuals completing training and 27 entering employment within the construction industry.

Kingdom has a relatively large development programme and through the programme the Fife Works team are able to work with developers and contractors to deliver community benefits to provide employment and training opportunities for young people looking to enter the construction sector.

Bill Banks, Group chief executive with Kingdom, commented: “The regeneration project in Inverkeithing is a major project and from the start of the project, we have been trying to fully engage with the local community, to ensure their housing needs and views are reflected in the proposals.

“One of the wider objectives of our development programme is to optimise the community benefits that can be gained from new affordable housing investment and the construction academy is a very good example of how the programme can help young people, who are living in the local community, secure sustainable employment.”

Dougie Herd, Campion’s joint managing director, said: “Campion Homes are delighted with the positive outcomes from the academy which have helped us engage with the local community and create new jobs for local people.”

As part of the construction academy programme, 12 people undertook training and qualifications in manual handling, asbestos awareness, abrasive wheels, IPAF Cherry Picker and Scissor Lift. They also undertook the Construction Skills Certification Scheme (CSCS) health and safety test and obtained their CSCS card. Work experience, a site visit and employability support was also delivered as part of the academy.

Of the 12 who completed the academy, eight have already moved into work, with the other four receiving support from Fife Works staff assisting them to progress towards employment.

Kingdom completes £18m housing project in Kincardine

The completed homes at Devilla in Kincardine

The final phase of a major affordable housing development in Kincardine, Fife, has been completed by Kingdom Housing Association after a multi-million pound construction project.

The redevelopment of Devilla in Kincardine began nearly eight years ago on the site of three former blocks of high rise flats. The development has delivered 133 new homes providing housing for a range of affordable housing tenures, including social rent, mid-market rent and private sale.

The total project cost around £18 million, with the Scottish Government and Fife Council providing approximately £10m in subsidy to support the redevelopment with the balance of the funding raised by Kingdom.

The latest phase, the third and final aspect of the work, saw the construction of 49 properties in total, providing 2 homes for social rent, 31 homes for Mid-Market Rent (MMR) and 16 homes for Affordable Sale to Priority Purchasers, supported by Scottish Government grant funding and investment through Allia’s charitable bond programme. Work on this final phase began in April 2016 and was finished in December 2017.

The Kincardine flats before demolition

The new homes for MMR and sale were provided by Kingdom Initiatives, a subsidiary of Kingdom Housing Association.

Bill Banks, Kingdom’s chief executive, said: “This has been a very successful regeneration project progressed through collaborative working with the community and various partners. Close collaboration with Fife Council enabled the project to proceed and Kingdom Initiatives were able to access the private funding for the project through the on-lending of funds, from Kingdom Housing Association, that were raised through the Allia bond, which provided £2.75m, of the private funding with £1.85m being the receipts from sales recycled back in to future Kingdom Initiatives provision.”

Nick Pollard, director of corporate support services for Kingdom, said: “The funding Kingdom obtained through Allia’s charitable bond programme with Scottish Government was complementary to this significant multi tenure development at Devilla, Kincardine delivering added benefits in terms of our corporate social responsibility objectives. The 10-year funding is unsecured and the most attractive aspect is that the process for acquiring and on-going management and monitoring of the borrowing was and is both simple, effective and efficient.”

Phil Caroe, director of social finance for Allia, said: “Allia’s charitable bond programme provides funding to help housing associations develop new affordable homes, so it’s great to see how our loan to Kingdom has supported the completion of this new housing development for the benefit of the community in Kincardine.”

Minister for local government and housing Kevin Stewart MSP visited the project during the construction stage

Two of the high-rise flats that previously stood on the site were demolished in June 2010, following a council decision to redevelop the area. The other high rise was demolished in 2013, when some new housing had been constructed to meet needs of tenants who wished to remain in the area.

Bill Banks added: “The homes that have all been built to high quality standards and have been designed to meet the building regulations silver sustainability standard. They have highly efficient boilers, waste water and gas flue heat recovery, high levels of insulation and triple glazed windows. The new homes will be very efficient to run for residents and meet Secured by Design standards. Completion of the Devilla development marks a major step forward for the standard of housing available in Kincardine and we are sure it will be a benefit to the community for years to come.”

Dunfermline based Campion Homes acted as the main contractor for the project, which was designed by Oliver & Robb Architects, Scott Bennett Associates, both of Dunfermline, and Langmuir & Hay of Glasgow.

Shop units at Inverkeithing housing development submitted for planning

Inverkeithing shop unitsA detailed planning application has been submitted for new shop units which will service a Kingdom Housing Association development in Inverkeithing.

Working with the Association and Campion Homes on behalf of Fife Council, 7N Architects said the plans form a key part of the emerging regeneration project for the wider estate, one of the most disadvantaged areas in the country.

The delivery of the new units will allow the existing shops, which are currently located at the base of an empty block of flats, to be demolished within a rolling programme of demolition and construction.

The designs for the new retail units have been conceived as a pavilion with strategic civic significance, addressing new and existing dwellings, as well as an existing bowling club, to create a public amenity for the wider community.

Inverkeithing shop units 2Sited adjacent to the bowling club pavilion, the linear pitched roof form offers a domestic presence within the residential setting, while the colonnaded walkway simultaneously reinforces the idea of a building with a civic identity and a public purpose.

The construction of the new shops will run in parallel with the delivery of the first phase of new terraced housing currently emerging on site. The designs for Phase 1 for Kingdom Housing Association recently received a Commendation in the Innovation in Housing category at the Saltire Society Housing Design Awards 2017.

Councillor Judy Hamilton, convener of the community and housing services committee, said: “I am delighted that the project has reached another significant milestone with the submission of the planning application. I know that the design team undertook consultation with the existing shops owners and the wider community so would like to thank everyone who took time to get involved in this process and provide valuable feedback. There is still much work to be done but I would thank the design team for the hard work in reaching this stage.”

Plans for the housing element of the Inverkeithing development

Plans for the housing element of the Inverkeithing development

Speaking on behalf of Kingdom Initiatives, Scott Kirkpatrick, director of development, added: “Kingdom Initiatives, 7N, Fife Council and Campion Homes have enjoyed working closely with the community and local businesses on the design of these retail units. Building them alongside Kingdom Housing Association’s 53 new homes for social rent is a key element within Fife Council’s regeneration masterplan for the area.”

The new retail units and homes forming the first phase are due for completion by the end of 2018, with subsequent phases of the regeneration project progressing thereafter.

Fife construction trainees take next step to real jobs


Kingdom Group chief executive Bill Banks with the construction academy trainees

A group of twelve Fife trainees are celebrating obtaining their skills certificates from the Fife Works Construction Academy and are now taking up work experience positions on building sites across the region.

During the four week academy the participants gained knowledge and qualifications in manual handling, asbestos awareness, abrasive wheels and working at heights.

They also undertook the Construction Skills Certification Scheme (CSCS) training test and were this week presented with their CSCS cards.

The academy was organised by Fife Works, Kingdom Housing Association’s employability project, in partnership with Campion Homes.

Bill Banks, Kingdom Group chief executive, met the participants at their award ceremony where he congratulated them on gaining their qualifications.

The participants were aged 18-29 and all live in Fife. They will now undertake work experience placements on Kingdom sites during July.

Trainee Arran Dunn, a Kingdom Housing tenant from Glenrothes who took part in the Academy, said: “I thought the training section of the academy was really good and I’ve got a lot of new qualifications from it. The work placement with Campion Homes will be really good practical experience for me and will hopefully lead to something permanent.”

Fife Works is Kingdom Housing Association’s employability project and during 2016/17 the project has helped 366 people into employment.

Joanne Aitken, senior employability officer with Fife Works, explained: “The participants have all demonstrated exceptional levels of enthusiasm and commitment and confirmed the team would continue to work with them all to help them find permanent employment.”

Bill Banks thanked the Fife Works team for delivering a successful programme and Campion Homes, who offered the trainees the opportunities to gain work experience on a number of Kingdom’s development sites throughout Fife.

Fife regeneration project commended for housing innovation


An ongoing Fife regeneration project has been awarded a Commendation for Innovation in Housing, at the prestigious Saltire Society Housing Design Awards 2017.

Kingdom Housing Association, working in partnership with Fife Council, the local community and the project team, have developed major regeneration proposals for the redevelopment the mid-20th Century housing estate at Fraser Avenue, Inverkeithing.

The first phase of the £7.9 million project is now on site and the first 53 new homes are due for completion in 2018. The Scottish Government awarded Kingdom £4.2m in subsidy to assist with the project.

It includes a number of energy efficient innovations in the design including: breathable wall construction, solar photovoltaics and sun pipes. Returning tenants have been offered choices of fixtures and fittings and layout options where possible and a quarter of the new homes have been designed to meet the particular needs of older people or people with mobility problems.

The houses are also designed to Silver Sustainability Standard and are Secured by Design.

Fraser Avenue

The Saltire Society judges described the Fraser Avenue development as: “An exemplary approach to redeveloping one of Britain’s most deprived housing estates. The clients and architects should be commended for thorough levels of community engagement which are informing the design of up to 200 replacement homes. There is a strong ambition to create an integrated and cohesive new place whilst holding on to a strong community spirit. Breathable and low carbon construction methods which are innovative in this sector are being developed.”

The project partners were present at the event in Edinburgh to hear the results announced, where Kingdom was represented by Scott Kirkpatrick, development director, and Julie Watson, development manager.

Julie said: “We are proud to be involved in the Fraser Avenue regeneration project and this award is testament to the successful collaborative working which has taken place with everyone involved.”

Scott added: “Kingdom recognises the importance of innovation within the affordable housing sector and we have taken the opportunity at Fraser Avenue, to work in full collaboration with all partners and the local community, this will provide real advantages. The partnership approach will also deliver a range of community benefits, including training and employment opportunities’.’

Judy Hamilton, convener of Fife Council’s Community & Housing Services Committee, said: “It’s fantastic to hear that the development at Fraser Avenue has received a commendation at this year’s Saltire Housing Design Awards.

“This is testament to all the hard work and dedication put into the Inverkeithing regeneration project not just by the architects and staff from the council and Kingdom Housing Association but also by members of the local community who have been fully engaged in the process.”

Fraser Ave Post Ph1 Demo and Remaining FlatsThe project team for the project includes Campion Homes, 7N Architects, Scott Bennett Associates, Langmuir and Hay and Rankin Fraser Landscape Architects.

Dougie Herd, construction director with Campion Homes, explained: “By adopting the ‘fabric first’ principle the new homes will be built using a breathable building fabric which will keep tenants homes warmer for longer in the cold weather and cooler in hot weather.  Recognition from the Saltire Society for this innovative project is truly deserved.”

7N Architects, Edinburgh, who submitted the project for the awards, commented:“We are delighted that the project has been recognised by the Saltire Society.  Kingdom Housing Association and Fife Council deserve huge credit for working closely with the existing community through a collaborative approach to the regeneration of the estate. It is to be hoped that the emerging transformation currently being delivered by Campion Homes can act as a tangible model for the delivery of new and replacement affordable housing across Scotland.”

Bill Banks, Group chief executive with Kingdom, said: “The redevelopment proposals for the area and the design of the high quality and energy efficient new homes have been developed in full consultation with the tenants and the local community and everyone involved with the project should be congratulated. I am very pleased the project has been recognised by the Saltire Society.”

Kingdom announces appointment of new development director

Bill Banks, Kingdom’s group chief executive (left), welcoming Scott Kilpatrick to his new role

Bill Banks, Kingdom’s group chief executive (left), welcoming Scott Kilpatrick to his new role

Kingdom Housing Association, which aims to develop and build around 2,900 homes over the next five years, has appointed Scott Kirkpatrick as director of development.

Scott was previously head of development services at the Glenrothes-based association that builds and manages housing, while also providing care support services in East central Scotland.

Bill Banks, Kingdom’s group chief executive, said: “I’m very pleased that Scott has been appointed as Director of Development. We have ambitious plans to develop an increased number of new properties over the next five years and we took the decision we wanted to strengthen the executive management team, to ensure our business plan targets and objectives are achieved.

“Scott’s appointment will help ensure we not only deliver our plans to increase the number of new affordable homes we provide, but will also ensure we provide community benefits, through the added value that can be gained from the development of new projects.”

Bill added: “Scott will also be heavily involved in expanding the business strategy for our subsidiary, Kingdom Initiatives, and building on our existing collaborative arrangements with local authorities and housing associations as well as forging new relationships.”

Kingdom has plans to deliver 1,500 new homes for social rent and 400 for mid market rent over the next five years. In addition to the new homes that Kingdom will build for themselves, the association also expects to develop projects for other social landlords and councils which could deliver as many as 1,000 additional new homes over the same period.

Scott Kirkpatrick said: “I’m delighted to be appointed as the Director of Development and I’m looking forward to the new challenges. I have worked with Kingdom for a number of years and share the desire to grow our business, through the provision of much needed affordable homes, to meet the growing needs and demands in all our areas of operation. I am thankful that we have such a strong and experienced team in place and we will be further strengthening our development team through new appointments over the next few months.”

Scott added that he “was looking forward to continuing to work with existing and new partners, as part of the implementation of our development strategy”.

Scott will now join Kingdom’s Executive Management Team which now comprises: Bill Banks, group chief executive; Scott Kirkpatrick, director of development; Nick Pollard, director of corporate support services, Alan Simpson, director of housing and asset management and Norah Smith, director of Kingdom Support and Care.

Esh Border Construction unveils new social housing framework partnerships

Regional managing director Simon Phillips (right) and business development manager Euan McDermott

Regional managing director Simon Phillips (right) and business development manager Euan McDermott

Esh Border Construction has announced a raft of new multi-million pound framework partnerships within Scotland’s social housing sector.

The Livingston-based company has built on its social housing successes by signing up with Link Group, Kingdom Housing Association, Hillcrest Housing Association, Places for People, LAR Housing Trust, Thenue Housing Association and City of Edinburgh Housing Assessment Management Framework.

The collective value of this work could mean over £100 million throughout the frameworks’ duration across the next few years.

It is expected that the resulting projects will help meet demand in areas of Scotland where there is an urgent need for affordable housing that will get dozens of young families into sustainable accommodation.

Esh Border Construction will work with Edinburgh-based Link Group, one of the largest RSL groups within Scotland, on a four year framework with a primary focus on new build mainstream properties along with a variety of particular needs homes.

The framework – which has seen Esh Border Construction sign up for projects valued up to £4.1m and above – also includes extensions, adaptions and rehabilitations.

The company is also part of a four year contractor services framework with Fife-based Kingdom Housing Association, which acts on behalf of the Fife Housing Alliance, including Ore Valley and Glen housing associations, and Fife Housing Group.

The focus of the framework will be the development of new build properties for social rent in partnership with Fife Council, though it will be open to a number of local authorities and registered social landlords, including Perth & Kinross, Falkirk, Clackmannanshire, and Angus Councils, as well as Angus Housing Association and Fairfield Housing Co-operative.

Esh Border Construction has further signed up to a four year contractor services framework with Hillcrest Housing Association for new build, refurb and regeneration projects with a regional focus on Dundee, Angus, Aberdeen, Aberdeenshire, Perth and Kinross, Fife, Edinburgh and the Lothians.

The new Places for People partnership – a four year development framework split geographically and by value – is meanwhile designed to encourage uptake from public bodies looking to progress all types of construction jobs, while retaining a prime focus on housing.

Esh Border Construction will also work with Places for People on south-east and south-west Scotland projects ranging in values from £1m up to £20m plus.

The LAR framework will meanwhile last for a four year term and is aimed at those who are willing to design and build homes according to the housing trust’s specification on sites that are owned by it or under its control.

Esh Border Construction also successfully tendered for the Thenue Housing Association Development & Major Repairs Framework, which will include a £7.5m new build project at Abercromby Street in Calton, Glasgow, as well as the development of various small gap or demolition sites as they are identified and procured.

Finally, the City of Edinburgh Housing Asset Management Framework will see Esh Border Construction engaged on general fabric repair work across the council’s extensive housing stock of some 19,800 homes with contract values ranging from less than £1m to greater than £1m.

Regional managing director of Esh Border Construction, Simon Phillips, said: “Our strong reputation for successful delivery of both new build and refurbishment projects has resulted in a multi-million pound pipeline of social housing projects, and we continue to expand that further with fresh framework partnerships.

“Winning contracts through these types of agreements undoubtedly forms a significant part of our growth strategy.

“In turn, they ensure that registered providers have a wealth of high quality contractors available at a time when there’s particularly high demand.

“In signing up to these progressive frameworks, we have utilised our significant experience across a broad spectrum of sectors, including education, retail, industrial, commercial, leisure, public, healthcare, and historic buildings.

“We are proud to be part of each of them, and look forward to delivering on their aims, ultimately providing essential, attractive, and affordable properties across Scotland amid an acknowledged lack of housing stock.

“That’s without compromising on a desire to create sustainable family homes that are sympathetic to the surrounding area.”