a loan from a bank or building society to help buy a house, is paid back, usually over a period of up to 25 years, with interest

paying money regularly, usually monthly, to live in a home that you do not own

homes provided by the Government, local government or housing association at lower rents to help people who cannot afford to rent or buy on the private market

How do financial systems affect access to housing in the UK?

Citizenship

How are financial products changing the way we manage money?

How can financial planning support independent living?

How can investment and finance transform communities?

Using the example of housing, pupils explore a range of different financial decisions, products and services. They consider how they can prepare to become financially independent and what advice is available to them.

How can we prepare well for financial decision making?

Subjects which particular individuals may be sensitive to, eg, adoption, migration, bereavement or death, divorce, poverty, deprivation.

Depiction or discussion of sensitive content

a loan to help buy a house and is paid back with interest

paying money regularly to live in a home that you do not own

homes provided by the Government with lower rents to help people

Which of these is **not** one of the main housing options in the UK?

a law created to improve conditions in social housing

a law aiming to give renters more security and rights

a charity offering support with housing issues

an organisation that gives renters legal advice

Match each of the items with their descriptions.

you can buy a share of a property and pay rent on the rest

you must buy the home outright before moving in

anyone who meets the requirements of their local council

The recent rise in house prices in 2025 has made it harder for people to join the property ...

all services are done by mobile or online

Which of the following is a key feature of digital-only banks?

A financial product that helps people plan and organise spending into different categories is called a {{}} app.

it gives more people access to safe money management

it teaches coding in schools and universities

Fintech companies often design financial products to be used through {{}} apps for speed and convenience.

it closes apps that do not help you financially

it helps apps suggest better financial deals

help users plan their spending by dividing money into categories.

can stop some people accessing modern financial services.

automatically calculate how much you can save based on your spending.

Match the start of the sentence with its ending.

How do financial systems affect access to housing in the UK?

Lesson outcome

Content guidance