CHANGING LIVES HOUSING TRUST

Registered charity 1134768 · accounts filings on the Charity Commission register · also known as GREENWICH CONNEXION LTD, INIGO HOUSING TRUST

To promote social inclusion for public benefit by preventing homelessness, social exclusion, believing the needs of those who are socially excluded and assisting them to integrate in society. The provision of social low cost social housing for people in housing need. Any trading surplus is used to maintain existing homes and finance new ones.

Objects

TO PROMOTE SOCIAL INCLUSION FOR THE PUBLIC BENEFIT BY PREVENTING PEOPLE FROM BECOMING SOCIALLY EXCLUDED, RELIEVING THE NEEDS OF THOSE PEOPLE WHO ARE SOCIALLY EXCLUDED AND ASSISTING THEM TO INTEGRATE INTO SOCIETY.

Area of benefit: UNDEFINED. IN PRACTICE, LOCAL.

The charity’s charitable objects and area of benefit, quoted from its governing document as held on the Charity Commission register.

Causes: Accommodation/housing · website · Get email alerts

Registered contact address: Bexley, London, England (from the postcode on the register)

Latest income
£4.3m
Latest spending
£4.9m
Registered
2010
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity reported an operating deficit of £572,742 for the year ended 31 August 2025, driven by a fall in income following the termination of Croydon services and rising costs. Despite this deficit, the trustees maintain that the charity has adequate resources to continue operating, with unrestricted reserves standing at £419,413. The outlook projects a return to surplus for 2025-2026 based on new pipelines and cost management.

Automated summary of the FY2025 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Largest income source: Rental Income (Social Housing) (97% of income)
“Rental Income (Social Housing) 4,218,056” — page 19
Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Crean & Co Accountants. Discloses 4 of 6 completeness components.

In its annual return the charity told the Commission it is also regulated by: Homes England. This is the charity’s own declaration; it is not a rating and has not been verified by the Commission or by this site.

Policies the charity declares

In its annual return the charity told the Commission that it has the policies listed below. This is self-declared: it is not verified by the Commission or by this site, and it is not evidence of how a policy works in practice.

From the charity’s annual return (Part A, self-declared)

Answers and figures the charity gave in Part A of its annual return to the Charity Commission. They are self-declared: not verified by the Commission or by this site. Only positive answers and figures are listed; items not listed are simply not shown.

Self-declared on the annual return for the financial year ending 31/08/2025

  • Trustee benefits, answered Yes to: any trustee benefit; payments to trustees for services to the charity

Self-declared on the annual return for the financial year ending 31/08/2024

  • Trustee benefits, answered Yes to: any trustee benefit; payments to trustees for services to the charity

Self-declared on the annual return for the financial year ending 31/08/2023

  • Trustee benefits, answered Yes to: any trustee benefit; payments to trustees for services to the charity

Source: this charity’s annual returns on the Charity Commission register.

What the charity says about itself (2025)

From its own voluntary annual review / impact report — the charity’s account of its work, distinct from the statutory accounts analysed above.

The charity mentions a major organizational restructure that resulted in updated policies.
“The organisation has also gone through a major restructure, which has led to stronger policies and better ways of working.”
The report notes that the maintenance team was highly responsive in 2025, prioritizing urgent health and safety work.
“CLHT had a highly responsive maintenance team in 2025 and prioritised urgent work to protect the health and safety of clients.”
The charity states it is rolling out a revised complaints policy to both staff and clients starting in January 2026.
“The revised complaints policy and procedure have been provided to clients in January 2026 and will continue to be rolled out to staff in weekly team meetings.”

Property (HM Land Registry)

1 registered title in England and Wales held by the charity’s company or corporate body (1 freehold); recorded price paid £349k. All charity-held property. Contains HM Land Registry data © Crown copyright, OGL v3.0.

Structured financials (annual return, FY ending 31/08/2025)

Total income
£4.3m
Total spending
£4.9m
Reserves (reported)
£419k
Employees
25

Reported reserves equal ~1.0 months of spending — in the bottom quarter for charities its size (median 4.7 months; benchmarks).

Per its annual return, largest income source: Charitable activities (98% of income) — components as reported reconcile to the return’s total income; not from the accounts narrative.

Per its annual return, cost of raising funds: 0.0% of total income — below the median for charities its size (5.3%) (benchmarks).

Trustees · trustee networks

Trustee list from the Charity Commission register (current, not historical).

Operates in: Bexley · Bromley · Croydon · Greenwich · Lambeth · Lewisham · Southwark

Income and spending

Financial year endIncomeSpending
31/08/2025£4.3m£4.9m
31/08/2024£4.5m£4.5m
31/08/2023£4.3m£4.2m
31/08/2022£3.8m£3.8m
31/08/2021£3.4m£3.3m

Common questions

Is CHANGING LIVES HOUSING TRUST financially healthy?

Per its FY2025 accounts: The accounts state that the charity reported an operating deficit of £572,742 for the year ended 31 August 2025, driven by a fall in income following the termination of Croydon services and rising costs. Despite this deficit, the trustees maintain that the charity has adequate resources to continue operating, with unrestricted reserves standing at £419,413. The outlook projects a return to surplus for 2025-2026 based on new pipelines and cost management. Its FY2025 accounts were audited by Crean & Co Accountants.

Funders of similar charities

Funders whose accounts show grants to charities similar to this one (and no recorded grant to this charity) — a starting list for fundraisers.

FunderSimilar charities fundedAmount to them
THE MOULDING FOUNDATION1£40k
TARPORLEY WAR MEMORIAL HOSPITAL TRUST1£17k
EARL OF CHESTER'S FUND1£7k
THE OAKDALE TRUST1£2k

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with CHANGING LIVES TOGETHER.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
CHANGING LIVES HOUSING TRUST£4.3m—0unclear—no doubt
CHANGING LIVES TOGETHER FY2025£2.8m£80,001 - £90,0001above—no doubt
CROYDON AFFORDABLE HOUSING FY2025£82k——unclear—no doubt
SOCIAL CARE HOUSING TRUST FY2025£831k—0unclear—no doubt
MIDSHIRE SUPPORTED HOUSING TRUST FY2026£468k——unclear—no doubt
EXPECTATIONS (UK) FY2025£2.5m—0unclear—no doubt

Each row is that charity’s latest analysed filing; every value is quote-backed on its own page.