This landlord is a subsidiary of Cairn. You can read the engagement plan for Cairn and all of its subsidiaries below.
Why we are engaging with Cairn Housing Association Ltd (Cairn)
We are engaging with Cairn about its financial management, and the transfer of engagements from Pentland Housing Association (Pentland) and ANCHO Ltd (ANCHO).
Cairn has told us about an issue relating to the erosion of a riverbank on land previously owned by ANCHO. It has made a provision in the accounts to cover the repair of the riverbank and works are due to be completed by October 2025.
Following a successful ballot of its tenants, Pentland transferred its engagements to Cairn on 1 April 2022 and was removed from the Register of Social Landlords on 14 December 2022. Since then we have monitored the progress of the integration of Pentland into Cairn and the delivery of the commitments Cairn has made to Pentland’s tenants and service users.
Following a successful ballot of its tenants, ANCHO transferred its engagements to Cairn on 1 April 2025. Cairn will now support ANCHO as it progresses removal from the Register of Social Landlords. We will monitor the progress of the integration of ANCHO into Cairn and the delivery of the commitments Cairn has made to ANCHO’s tenants and service users.
What Cairn must do
Cairn must:
- send us updates about its plans to address the erosion of the riverbank;
- send us quarterly updates on progress with the delivery of the commitments Cairn has made to Pentland’s tenants and service users;
- send us quarterly updates on progress with the integration of ANCHO into Cairn and with the delivery of the commitments Cairn has made to ANCHO’s tenants and service users; and
- send us the information we require to progress the de-registration of ANCHO. This includes ANCHO’s final audited financial statements and auditors report.
What we will do
We will:
- review the updates on Cairn’s plans to address the erosion of the riverbank previously owned by ANCHO and engage as necessary;
- review the updates on the delivery of the commitments Cairn has made to Pentland’s tenants and service users and engage as necessary;
- review the updates on the integration of ANCHO into Cairn and with the delivery of the commitments Cairn has made to ANCHO’s tenants and service users and engage as necessary;
- consider the de-registration application and other information for ANCHO; and
- update our published engagement plan in the light of any material change to our planned engagement with Cairn.
Regulatory Returns
Cairn must provide us with the following annual regulatory returns and alerts us to notifiable events as appropriate:
- Annual Assurance Statement;
- audited financial statements and external auditor’s management letter;
- loan portfolio return;
- five year financial projections; and
- Annual Return on the Charter.
It should also notify us of any material changes to its Annual Assurance Statement, and any tenant and resident safety matter which has been reported to or is being investigated by the Health and Safety Executive or reports from regulatory or statutory authorities or insurance providers, relating to safety concerns.