ADP – Approved Development Programme
ALMO – Arms Length Management Organisation
ALARM – Association of Local Authority Risk Managers
ASBO – Anti-Social Behaviour Order

BANANA – Build Absolutely Nothing Anywhere Near Anything
B&BO – Build & Bugger Off
BIS – Department for Business, Innovation and Skills
BOJO – Boris Johnson
BP – Business Plan
BRE – Building Research Establishment
BREEAM – Building Research Establishment Environmental Assessment Method
BURA – British Urban Regeneration Association
BV - Best Value

CABE – The Commission for Architecture and the Built Environment
CECODHAS – Comité Européen de Coordination de L’Habitat Social
The European Liaison Committee for Social Housing
CERT – Carbon Emission Reduction Target
CESP – Community Energy Saving Programme
CHP – Combined Heat and Power
CIH –Chartered Institute of Housing
CLG - Dept. for Communities & Local Government
CML – Council of Mortgage Lenders
COP – Community Ownership Programme
CrASBO – Criminal Anti-Social Behaviour Order
CRD - Capital Requirements Derivative
CS – Communities Scotland
CSA – Credit Support Annex – regulates the collateral for an ISDA

DCLG – Department for Communities and Local Government
DEFRA - Department for Environment, Food and Rural Affairs
DECC – Department of Energy and Climate Change
DHS – Decent Homes Standard
DS1 -  HM Land Registry Discharge form 1 - cancellation of entries relating to a registered charge.
DS3 -  HM Land Registry Discharge form 3 - releases part of the land from a registered charge.
DSR -  Debt Service Reserve

EBITDA MRI – Earnings Before Interest Tax and Amortisation Major Repairs Included
EEC – Energy Efficiency Commitment
EEIR – Energy Efficiency Innovation Review
EHS – English Housing Survey
EIA -   Environmental Impact Assessment
EIB -   European Investment Bank
EL – Expected Loss
ELENA – European Local Energy Assistance
EP -     English Partnership
EST – Energy Saving Trust
EUV – Existing Use Value
EUV-SH – Existing Use Value for Social Housing

FM – Facilities Manager/Management
FSFR – Fixed Spread Floating Rate – an EIB reference rate

HA – Housing Association
HAG – Housing Association Grant
HC – Housing Corporation
HCA - The Homes & Communities Agency
HCA – Housing Corporation Assessment
HEMS - Household Energy Management Strategy
HESS – Heat and Energy Saving Strategy
HIP – Housing Investment Programme
HTT – Hard To Treat

IiP – Investors in People
ISDA – International Swaps & Derivatives Association

JASPERS – Joint Assistance to Support Projects in the European Regions
JESSICA – Joint European Support for Sustainable Investment in City Areas
Jpeg – Joint Photographic Experts Group

K – Kilo Used frequently in the financial literature as a symbol for 1,000

LA – Local Authority
LB – London Borough
LCM – Life Cycle Maintenance
LEA – Local Education Authority
LGD – Loss Given Default
LIBOR – London Inter Bank Offered Rate
LOBO – Lenders Option Borrowers Option
LSP – Local Strategic Partnerships
LSVT - Large Scale Voluntary Transfer

MBC - Metropolitan Borough Council
MCR – Mandatory Cost Rate
MV - Market Value
MV-STT - Market Value Subject To Tenancy

NAO - National Audit Office
NHBC – National House Building Council
NHF - National Housing Federation
NIMBY - Not In My Back Yard
NINJA - No Income No Job No Assets
NOC - Net Operating Cashflow
NPV -  Net Present Value

OIS -   Overnight Indexed Swaps
OTSL – Office for Tenants and Social Landlords

PA – Project Agreement
PAYS – Pay As You Save
PD - Potential to Default
Pdf – Portable document format
PFI – Private Finance Initiative
PI – Performance Indicator
PPP - Public Private Partnership
PSG – Public Sector Grant
PV -     Present Value
PWLB – Public Works Loan Board
QUANGO – Quasi-Autonomous Non-Governmental Organisation – now better known as a “non-departmental public body”

RM -    Relationship Manager
RP -     Registered Provider of Social Housing
RPI – Retail Price Index
RSL - Registered Social Landlord
RSR – Regulatory and Statistical Return
RTB – Right To Buy

S106 – Section 106 of the Town and Country Planning Act 1990
S&P - Standard & Poor’s
SAP – Standard Assessment Procedure
SCS – Stock Condition Survey
SEDA – South-East Development Agency
SEDBUK – Seasonal Efficiency of Domestic Boilers in the UK
SHG – Social Housing Grant
SHQS – Scottish Housing Quality Standard
SONIA – Sterling Overnight Index Average
SPV - Special Purpose Vehicle
SST – Second Stage Transfer
SO - Shared Ownership

TLA -   Three Letter Acronym
THFC – The Housing Finance Corporation
THFC(SHF) – THFC (Social Housing Finance)
THFC(IL) – THFC (Indexed Linked)
THFC(FV) -    THFC(First Variable)
TMO -  Tenant Management Organisation
TSA – Tenant Services Authority

VPV - Vacant Possession Value

WAG – Welsh Assembly Government
WHQS – Welsh Housing Quality Standard
WILT – Would I Live There?
WSW – Waarborgfonds Sociale Woningbouw (Dutch funder of social housing)