Thinking Ahead - Survey Results - Bradford · ‘Thinking Ahead’ Survey Results July 2010 5 2 Introduction 2.1 In May 2010 Bradford Council’s housing service conducted research

Thinking

Ahead Your Housing Options in the

Future A Survey for people aged 18-59

Survey Findings

Report Date: July 2010

Will Ridley-Ellis

Housing Research & Policy Support Officer Strategic Information & Support Unit

(Housing) City of Bradford Metropolitan District

Council 1st Floor, North Wing

Jacobs Well Bradford

BD1 5RW

email [email protected]

telephone 01274 434454

‘Thinking Ahead’ Survey Results July 2010

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“It’s now made me think about it”

“This survey has made me face up to an uncomfortable issue…”

“It will make me think about what I want for the future”

“Thank you for asking”

Acknowledgements

Firstly, I would like to thank everyone that took the time to contribute to the survey, and

especially to the 600 individuals who took the extra time to write comments in the open ended

question; it is clear that many of these comments were particularly well thought through and

will be invaluable evidence when we formulate a new strategy for older people’s housing in our

district. The evidence you provided will ensure our strategy truly reflects the needs and

aspirations of our community and will be used directly to influence the decision making process

and encourage investment in our district.

Additionally I would like to say particular thanks to Richard Smith who assisted in the

development of the survey, the commissioning of the telephone interviews, and who made it

possible to put the survey available online. Finally, thank you to everyone else who had an

input into the design, distribution and promotion of the survey.


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Contents

1 Key Points ...............................................................................................................3 2 Introduction.............................................................................................................5 3 Methodology ............................................................................................................5 4 Making plans for retirement .......................................................................................6 5 Thinking about where you would like to live .................................................................8 6 Thinking about what kind of property you would like to live in........................................9 7 Meeting the cost of retirement accommodation ..........................................................15 8 Helping you achieve your retirement choices..............................................................18 9 Conclusion.............................................................................................................21

1 Key Points

Planning for retirement

1.1 Unsurprisingly, the older people are, the more likely they are to have considered their

retirement options. 1.2 The proportion of people having made plans plateaus once people reach 40, with just over a

third of those aged 40-59 having already made plans. 1.3 19% of individuals felt unable to afford to plan financially for their retirement – this appears

not to be affected by age or their current location in the district, although those in the inner

city were more likely to feel like they should have got round to planning and less likely to

have arrangements in place. 1.4 Older people are more likely to have an employers or private pension – the younger you

are, the less likely you are to have an employers or private pension. 1.5 Age does not affect whether an individual expects to have savings built up by the time they

retire. 30% of people expect to have savings, regardless of their current age, suggesting

saving is more down to mentality than an ‘old way of doing things’. 1.6 A fifth of individuals currently living in the inner city don’t know how they are going to fund

their retirement, a further 12% are relying solely on state pension. 1.7 When given the opportunity to comment some people spoke about making information and

help available to assist them to plan for their old age. Others talked about the affordability

of general housing and how this impacts on their ability to plan financially. Having an

economically prosperous district with good access to employment was identified by some

individuals. Some people felt that the current system was unfair and that it rewarded those

who didn’t plan for their future and penalised those who did.

Where you live

1.8 The older you get, the more likely you are to want to continue to live in your current home

or neighbourhood. Owner occupiers are particularly attached to their current home. People

who privately rent are the least attached to their current property and even less likely to

expect to live in their current property during retirement, possibly reflecting the nature of

their insecure tenure. 1.9 22% of individuals expressed a preference for moving outside the district in their

retirement; White British individuals were more likely to consider this than those from BME

backgrounds. 1.10 Individuals from BME backgrounds are more likely to consider living with relatives than

white British people; especially if they were to develop some kind of health issue. 1.11 Many individuals living in bungalows expect their home to be suitable for their needs even if

they were to develop significant health issues. Those people living in semi-detached

housing often felt their home would be suitable if they were to develop slight health issues.

But many people living in detached houses, whilst expressing a strong preference to stay in

their current home, felt it would not be practical to do so if they developed even slight

health issues. Flats appeared to remain practical, even with health issues, but remained

generally low in preference regardless.


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1.12 Having safe neighbourhoods, with good access to services was raised as an issue. Other

people talked about ensuring services were available to enable people to live in their own

homes.

Specialist housing

1.13 Many people expressed a preference for specialist accommodation but only when they

developed severe health issues. Over a quarter of individuals expressed an interest in extra

care style developments once asked to consider their housing options if they were to

develop a severe health issue. Interestingly, less than 15% considered this option if they

were to develop a slight health issue suggesting that many people would wait for an

‘incident’ to happen instead of considering their options whilst their health is relatively good.

This would obviously have implications as it’s highly likely that there will be significant

emotional and practical issues that might affect a decision once such an incident occurs. 1.14 Women are more likely to consider living in specialist accommodation (such as sheltered

housing, extra care or residential care) than men. Those from BME backgrounds are less

likely to consider living in specialist accommodation. 1.15 Many people suggested that there should be more/higher quality provision of specialist

housing whilst others suggested that the Council should ensure that there are always

options available.

Paying for accommodation

1.16 Owner occupiership is the tenure of choice for the majority of people, especially amongst

those who already own their own home. However, the younger you are, the more likely it is

that you expect to still be paying off your mortgage into your retirement with nearly 30% of

those aged 18-29 expecting to still be paying their mortgage in their retirement. 1.17 An expectation and reliance on affordable rents is greater in the inner city and greater

amongst those people who currently rent. The opposite is true for those people currently

living in the Worth Valley or Wharfedale. 1.18 Many people were concerned about affordability, placing a strong emphasis on making sure

enough housing was made available and that it was provided in an affordable way (whether

this is through renting or ownership).


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2 Introduction 2.1 In May 2010 Bradford Council’s housing service conducted research into the housing options

people aged 18-59 would like to see in the district when they retire, and to what extent

individuals are currently planning for their future housing needs. The survey is intended to

inform a new strategy for older people’s housing in the district.

2.2 The research will inform the medium/long term vision for older people’s housing in the

district, and will help us understand what interventions are required now to enable younger

people to plan effectively for their old age.

2.3 This report summarises the results of this consultation.

3 Methodology 3.1 The consultation was conducted in the form of a survey which was conducted in two ways to

increase response rate and ensure robust results…

• A computer based version of the survey was developed. This was placed on the

Council’s Intranet (Bradnet) to give council employees the opportunity to complete the

survey. In addition, an email was sent to partner organisations and businesses

operating in the district to encourage them to ask their employees to participate. An

automatic ‘pop-up’ was also added to the Council’s library computers to give members of

the public the opportunity to take part, and the survey was also placed on the Council’s

website. • In addition, a telephone based version of the survey was commissioned to target

households in the district at random. 3.2 A total of 1,567 surveys were completed over the consultation period which ran from May to

June 2010. The results presented in this report are weighted by age group, gender,

ethnicity, tenure, and dwelling type to ensure they are representative of the district as a

whole. Figure 1 Weighted responses by age group – Bradford District Figure 2 Weighted responses by ethnicity – Bradford District

Age 18-2932%

Age 30-3924%

Age 40-4924%

Age 50-5920%

White73%

Non-white27%

3.3 The number of responses to a survey directly impacts on how robust its findings are.

Statistically, we can be 95% confident that an overall headline result of 50% would be

within 2.5% of the actual figure. Where cross tabulated figures are quoted we can be 95%

confident that the results are within 6% of the actual for the majority of categories, rising to

a maximum of 8% for certain tenures and certain property types. Statistically we can be

more confident where stated results are closer to either 0% or 100%.


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4 Making plans for retirement 4.1 The survey asked two questions to understand the level of planning individuals are taking to

prepare for their retirement.

Question 10 Which of the following best describes what you have done to plan financially for

when you retire? Respondents were asked to select the ONE most appropriate option

• I am too young to think about it and haven’t done anything 18% • I should have thought about it by now but haven’t got round to it yet 10% • I am not in a position to plan for retirement as I have insufficient income 19% • I have thought about it but have not made any decisions or firm plans 19% • I have given it careful thought and decided what I am going to do 10% • I have already made arrangements for my retirement 23% • Something else 1%

4.2 Unsurprisingly, those aged 18-29 were more likely to consider themselves too young to

think about planning for their retirement (44%). 4.3 Just over a quarter of individuals aged 30-39 had already made arrangements for their

retirement, but 14% thought they should have thought about it but hadn’t got round to it

yet. 4.4 The proportion of people that have made arrangements for their retirement increases to just

over a third for individuals aged 40-49 or 50-59. 4.5 Being able to afford to financially plan for retirement doesn’t seem to be affected

significantly by age with around a fifth of individuals stating they have insufficient income to

plan. 4.6 Individuals from BME backgrounds are more likely to say they should have got round to

thinking about planning (15%) or consider themselves too young (29%) than white British

individuals (12%/7%) – this is irrespective of the actual age of the individual. 4.7 Individuals living in the inner city areas are more likely to think they should have got round

to thinking about planning but haven’t and less likely to have already made arrangements

than those living elsewhere. However, geographically there is no significant change in the

number of people thinking they have insufficient income to plan, across the district.

Question 11 Which of the following do you expect will help fund your retirement?

Respondents could select more than one option if it applied.

• Employers or private pension 57% • Savings 30% • Continue to work 24% • Investment in property (other than own home) 13% • Investment in stocks/shares 7% • Relying solely on state pension 7% • Don’t Know 12%


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4.8 The older the individual, the more likely the are to have an employers or private pension Figure 3 Percentage of individuals expecting an employers or private pension will fund their retirement

0%

10%

20%

30%

40%

50%

60%

70%

80%

Age 18-29 Age 30-39 Age 40-49 Age 50-59

4.9 Older individuals are more likely to invest/have invested in stocks and shares. More men

than women have investments in stocks and shares. Those from BME backgrounds are less

likely to invest in stocks and shares than white British individuals. This may be due to the

availability of Government share offers in the 1980s and Building Society share offers in the

1990s. 4.10 Men are also more likely to invest in property (other than their own home), as are

individuals from BME backgrounds. 4.11 The percentage of individuals having savings, or expecting to have savings, by the time

they retire does not vary by age, remaining at around 30% regardless of age group. 4.12 In general, those living in the inner city are more likely to be relying solely on state pension

(12%) (i.e. they expect state pension to be the only source of income after retirement) than

those in other parts of the district, and also less likely to want to continue to work into

retirement age. An additional 20% of people in the inner city don’t know how they will fund

their retirement. 4.13 Just 1% of individuals living in Wharfedale/Worth Valley expect to rely solely on state

pension.


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5 Thinking about where you would like to live

Question 12 Which area would you PREFER to live in when you retire? Respondents could

select more than one option if they wished.

• Current neighbourhood 33%

• Near family/friends 24%

• Rural areas 25%

• Within town/village 14%

• Within City of Bradford 9%

• Bradford city centre 1%

• Outside Bradford District 22%

5.1 Understandably, older age groups are more likely to want to live in their current

neighbourhood than younger age groups, with nearly half of those aged 50-59 wanting to

stay in their current neighbourhood in comparison to just a quarter of those aged 18-29. 5.2 However, a bigger proportion of younger people (29%) would prefer to live close to

family/friends during old age than older age groups (18% of those aged 50-59). 5.3 Women are more likely to want to live in their current neighbourhood and close to

family/friends than men. Individuals from BME backgrounds are more likely to want to live

near family/friends than white British individuals, but less likely to want to live in their

current neighbourhood or rural areas. 5.4 A quarter of white British individuals would like to retire to somewhere outside the Bradford

district in comparison to 17% of those from BME backgrounds. 5.5 Individuals currently living in Wharfedale/Worth Valley are more likely to want to live in

their current neighbourhood and less likely to want to move outside the Bradford district

than those living in the rest of the district.


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6 Thinking about what kind of property you would like to live in

6.1 For all the questions in this section, respondents could choose more than one option if they

wished.

Question 13 What kind of property would you PREFER to live in when you retire? Figure 4 Preference for property type in retirement

0% 5% 10% 15% 20% 25% 30% 35% 40%

Residential care/nursing home

Live w ith relatives (other than partner)

Scheme w ith 24hr care/support linked to self contained homes (Extra Care)

Sheltered housing (w ith a w arden)

Other

Retirement development

Flat

Current home

Bungalow

House

Figure 5 Preference to live in current home (and neighbourhood) during retirement by current age group

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

50%

Age 18-29 Age 30-39 Age 40-49 Age 50-59

Current home Current neighbourhood

6.2 In line with individuals’ preference for location, the preference for individuals to stay in their

current home increases with age with 41% of individuals aged 50-59 expressing a

preference to stay in their current home in comparison to just 17% of those aged 18-29.


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Figure 6 Preference to live in current home by current property type

0%

5%

10%

15%

20%

25%

30%

35%

40%

Detached Semi-detached Bungalow Terrace/end terrace Flat / Apartment

6.3 Individuals currently living in flats are significantly less likely to want to continue to live in

their current property in retirement than other property types. Those living in detached

homes are more likely to express a preference to live in their current property.

Figure 7 Preference to live in current home by current tenure

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

50%

Owned outright Owned with a mortgage Rent through housingassociation

Rent through a privatelandlord

6.4 Owning a home is an important factor in whether an individual would prefer to live in their

current home during retirement, with individuals who rent less likely to want to live in their

current home during retirement. Just 13% of individuals who privately rent would prefer to

live in their current home in old age. 6.5 Women are more likely than men to consider a bungalow 6.6 Just 1% of white British individuals would consider living with relatives in comparison to

11% of those from BME backgrounds.


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6.7 More women than men would consider sheltered housing. Those from BME backgrounds are

less likely to consider sheltered housing than their white British counterparts. The same is

true for retirement developments.

Question 14 What kind of property would you realistically EXPECT to live in when you retire? Figure 8 Expectation in comparison with preference to live in property type during retirement

0% 5% 10% 15% 20% 25% 30% 35% 40%





Other


Flat

Current home

Bungalow

House

Prefer Expect

6.8 In the main, the difference between preference and expectation is not significant for most

property types. However, there are two exceptions – individuals are less likely to expect to

live in a bungalow and more likely to expect to live in a flat. Figure 9 Expectation in comparison with preference to live in property type during retirement by current tenure

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

50%

Owned outright Owned with amortgage

Rent through housingassociation

Rent through a privatelandlord

Prefer to live in current home Expect to live in current home

6.9 Whilst only 13% of individuals who currently private rent would prefer to live in their current

home during retirement, only 9% expect to be able to live in their current home – possibly

reflecting the insecurity of tenure of privately renting.


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Question 17 If you were to develop a SLIGHT physical or mental disability, what kind of

property would you prefer to live in? Figure 10 Preference for property type in retirement if develop a slight physical/mental disability

0% 5% 10% 15% 20% 25% 30% 35% 40%





Other


Flat

Current home

Bungalow

House

General preference Preference if developed slight health issues

6.10 When respondents were asked to consider what kind of property they would prefer if they

were to develop some kind of slight physical or mental disability there was a slight (but not

that significant) drop in the proportion of individuals wanting to live in their current home

during retirement. There was a slight increase in the proportion of individuals considering a

bungalow but there were big increases in the proportion of people considering sheltered

housing, extra care, living with relatives and residential nursing homes. 6.11 In a similar trend to their general preferences, women are more likely than men to consider

specialist accommodation (sheltered housing, extra care, residential care). White British

respondents were more likely to consider specialist accommodation than those from BME

backgrounds. 6.12 A fifth of those from BME backgrounds expressed a preference for living with relatives in

comparison to 9% of white British respondents. Figure 11 Preference for property type if develop a slight physical/mental disability by current tenure

0% 5% 10% 15% 20% 25% 30%

Ow ned outright

Ow ned w ith a mortgage

Rent through a private landlord

Rent through housing association

Scheme with 24hr care/support linked to self contained homes (Extra Care)


Sheltered housing (with a warden)


6.13 Owning a home makes the respondent less likely to consider specialist housing types, with

those who rent (either socially or privately) more likely to consider schemes such as

sheltered housing or extra care.


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Question 18 If you were to develop a SEVERE physical or mental disability, what kind of

property would you prefer to live in? Figure 12 Preference for property type in retirement if develop a severe physical/mental disability

0% 5% 10% 15% 20% 25% 30% 35% 40%





Other


Flat

Current home

Bungalow

House

General preference Preference if developed slight health issues Preference if developed severe health issues

6.14 When asked to consider their preferred retirement housing options if they were to develop a

severe physical or mental disability, respondents’ attitudes changed considerably, with a big

swing towards specialist accommodation away from living in their current home. 6.15 Again, more women than men considered specialist accommodation. And again, more white

British than those from BME backgrounds considered specialist accommodation. 6.16 Nearly a quarter of those from BME backgrounds would consider living with relatives in

comparison to 11% white British respondents. Figure 13 Preference to live in current home during retirement by varying levels of health scenarios and current property type

0%

5%

10%

15%

20%

25%

30%

35%

40%

Detached Semi-detached Bungalow Terrace/endterrace

Flat / Apartment

General Preference to live in current home

Preference to live in current home if develop slight health issues

Preference to live in current home if develop severe health issues

6.17 Those currently living in detached houses are less likely to consider living in their current

home as soon as they develop a slight health issue. In contrast, those living in bungalows

or flats are more likely to consider living in their current home when asked to consider the


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slight health issue scenario. When asked to consider the severe health issue scenario,

respondents living in detached, semi-detached and terraced housing were significantly less

likely to consider living in their current property. 6.18 13 individuals (nearly 1%) expressed the opinion that they would rather die (this wasn’t an

option on the form).


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7 Meeting the cost of retirement accommodation

Question 15 How would you PREFER to pay for your retirement accommodation? Respondents

could choose more than one option.

Question 16 How would you realistically EXPECT to pay for your accommodation?

Respondents could choose more than one option Figure 14 Respondents preferences and expectations for paying for their retirement accommodation

0% 10% 20% 30% 40% 50% 60% 70% 80%

Own outright

Own with a mortgage

Rent through a private landlord

Affordable rent

Part buy/part rent

Live with relatives (other than partner)

Let a room in my house

Other

Prefer Expect

7.1 Clearly the preferred option for the majority of individuals is to own their home outright, but

with a significant proportion still expecting to be paying off their mortgage in their

retirement. 7.2 Over a fifth expressed a requirement for affordable rent. 7.3 5% were interested in part buy part rent options.


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Figure 15 Respondents expectations for paying for retirement accommodation by age group

0%

10%

20%

30%

40%

50%

60%

70%

Own outright Own with a mortgage Rent through a privatelandlord

Affordable rent

Age 18-29 Age 30-39 Age 40-49 Age 50-59

7.4 Respondents from younger age groups had clear aspirations for home ownership but were

more likely to expect to be paying their mortgage into their retirement. 7.5 Those respondents currently living in the inner city had less expectation of home ownership

and greater expectation of relying on affordable rent. The opposite is true for those

currently living in the Worth Valley/Wharfedale. Figure 16 Respondents expectations for paying for retirement accommodation by current tenure

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Own outright Own with a mortgage Rent through a privatelandlord

Affordable rent Part buy/part rent

Expected Tenure in Retirement

Currently Owned outright

Currently Owned with a mortgage

Currently Part Buy / Part Rent - Shared Ownership / Similar

Currently Rent through a private landlord

Currently Rent through housing association

7.6 Understandably, those individuals who currently own their own home (either through a

mortgage or outright) are more likely to prefer to own their home outright during

retirement.


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7.7 Interestingly, those individuals currently in shared ownership (or similar) also often

expected to be owning their home outright by the time they retire which suggests they see

their current tenure as a staircase to full ownership. 7.8 Affordable rent was more likely to be considered where the individual current rents. Figure 17 Preferences and expectations for home ownership in retirement for individuals that currently rent

0%

10%

20%

30%

40%

50%

60%

70%

Currently Rent through a private landlord Currently Rent through housing association

Prefer to own Expect to own

7.9 Clearly, many individuals that currently rent aspire to home ownership – this is especially

true for individuals who privately rent. The gap between preference and expectation is

especially significant for those who currently rent through a housing association.


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8 Helping you achieve your retirement choices

Question 19 Realistically, how can the Council and its partners help you achieve your

retirement housing choices? Respondents were given the opportunity to provide an open ended

comment.

8.1 A fifth of the comments made were around affordability and ensuring affordability.

Comments ranged from offering affordable housing for rent to ensuring retirement schemes

were affordable in general.

“Make retirement housing realistically priced, rent and/or purchase outright”

“Making sure there are enough properties which are also affordable and lower mortgages”

Others talked about the affordability of general housing stock and how this would impact on

their ability to plan for their old age.

“More help to get on the housing market whilst still young. If I am forced to rent until old

age, I will have nothing to work with.”

8.2 Another fifth of comments were around the availability of well designed specialist housing

stock – many talked about building more of this kind of accommodation. Often people

suggested building more bungalows, others suggested investment to bring existing stock up

to standard.

“By planning ahead and ensure that the developments which are supported by the council

realistically plan for future generations and also consider that the prices charged are

realistic”

“Build more single housing units with their own small garden area in pleasant sites such as

the one I currently live on. Our site has families on as well so there are younger people

around to help”

“Encourage and support a variety of well-regulated housing and care providers in the area,

particularly those with innovative ideas, using best practice from other parts of the

country/Europe”

“Provide sheltered accommodation that is not ‘typical’ dull looking and uninviting

accommodation but somewhere that is nice to live, planned thoughtfully to preserve as

much independence as possible”

“Well I think the Council should be thinking now and starting to build sheltered

accommodation and similar properties over the next say 20 years or so, so that there will

be sufficient properties of this kind available for the elderly”

“They could build more bungalows as there isn’t many around here…”

8.3 Around a tenth of comments talked about the Council not being able to help, either because

they felt a strong sense of independence or because they had limited knowledge of the

Council’s remit and services.

“Not really, it’s up to me”

“I hope I will be able to remain independent into my old age and don’t expect to need

Council support regarding housing choices. If I do need support in old age I hope that my

family will be there for me if needed”


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“That is an interesting question; I did not know Bradford Council did anything for the

retired”

8.4 Another tenth talked about ensuring provision and support to help people live in their own

homes.

“By having a range of services available where people can stay in their present property and

the services come to them. Don’t know whether this is possible, but it would be far better

in my opinion”

“By providing more support in the home at a more reasonable cost”

“By supporting people to continue to live independently in their own self contained space

with as little intrusion as possible. The services are most important, not the buildings”

8.5 Ensuring choice and flexibility were strong themes.

“I would like to see the council continue to offer a selection of housing options that would

suit everyone. I have stated my preferences but do not rule out the other options such as

residential care. Because I am realistic I know that I may need it”

“Providing a range of options to cover different circumstances that it is impossible to

anticipate as an individual”

8.6 Another strong theme was around making sure information was made available, some

people suggested being proactive.

“By informing me of the options available throughout my age – in a friendly and colourful

manner that wouldn’t make the ‘retirement age’ seem daunting and something to run away

from”

“Give more advice to young people about the options and the best way to start a long term

plan for the future. For example, is there likely to be a state pension in 40yrs time, are

private pensions the best way to go? How much is retirement likely to cost?”

“I think the key is to inform/educate people the realistic cost of living/being retired, and

how it can/can’t be funded”

“Let people know what is available, so people are more aware of where to go to find more

information on retirement housing”

“To help you know what’s available out there and what choices and funding you can have

and also let you know earlier on in life so you know what options you have”

8.7 A number of people talked about lowering taxes. Another related theme was around

ensuring we have a prosperous district with a strong economy and enough employment.

“Not charging me as much tax and a fairer benefits system”

“Regenerate the city and create long term and diverse job opportunities to help me help

myself earn enough to save and invest by remaining in work. I don’t think anyone that is

able to work and has the will to do so wants to rely on the government”

“By continuing to provide large scale employment”

“More opportunities to get a job”


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8.8 Some people talked about fairness, and a system that seems to reward people for not

planning ahead.

“…reward those that have saved and helped towards saving for their future”

“By providing reduced cost/free accommodation which would not result in having to sell

much worked for assets to meet long term care costs”

“Ensure a fair way of providing care for all who need it as currently there is no incentive to

scrimp and save for old age as those who don’t are provided for anyway”

“Do not force people to sell off their homes to pay for care”

8.9 Some people talked about their neighbourhoods, access to services and being able to feel

safe to go out.

“…Ensure that neighbourhoods are designed with accessibility in mind…”

“By developing areas which are suitable for older people to live and not be scared to go

outside”

“Encourage the building of accessible housing on the level with shops and facilities and

public transport”

8.10 The final themes that came out the consultation were…

• Ensuring services are joined up, and easy to access

• Making pensions available and reliable

• Providing options for downsizing such as ‘help to move’ services or part buy/part rent

options that would enable people to release equity in their home

• Listening to people, and learning from those that have already reached retirement


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9 Conclusion 9.1 The key points raised in the survey are presented at the beginning of this document.

9.2 The overarching finding from the survey is that there is no single option that we should

assume all people want to see when they get older. It is clear that many people will want

to stay in their own home but we cannot assume this will be the preferred option for

everyone. Often, people talked about having options available and it will be our challenge

to ensure we have enough provision of any particular type to enable that choice to be

available at a time when people want or need to make that decision.

9.3 In addition, people wanted to know what’s available in order for them to be able to make

that choice, whether that be through them being able to get the right information when they

are looking for it, or through us proactively engaging with individuals at key points in their

lives to trigger that thought process before it’s too late.

9.4 Upgrading and increasing the provision of the physical assets and services in our district

takes time, regardless of whether those assets are in public or private ownership. Whilst

the current economic climate will make it challenging for us to facilitate this, we must make

a strong case and make a start now to address the future housing needs for us all as we

reach old age. The results of this survey will form the basis for calculating the quantity and

type of specialist housing and related services required over the next 10 years and beyond

to ensure that choice is available for all of us.

9.5 Finally, it is clear from the results of the survey that the challenges facing older people will

not go away. Hopefully we will continue to see improvements to health and life expectancy

but many respondents anticipate rising costs associated with housing and living longer

(including increases in energy prices). Longer term, more people will be paying off their

mortgage into retirement, and fewer people will belong to a formal pension scheme. Many

people have turned to investing in property to fund their retirement, but with a limited

number of homes available, and with the majority of people still aspiring to home

ownership, others will inevitably lose out.


22

Appendix 1 – Tables

Question 10 Which of the following best describes what you have done to plan financially for

when you retire? (Single-option)

I am

too y

oung to thin

k

about it a

nd h

aven't d

one

anyth

ing.

I should h

ave thought

about it b

y n

ow b

ut

haven't g

ot ro

und to it yet.

I am

not in

a p

osition to

plan for re

tire

ment as I

have insufficient in

com

e.

I have thought about it b

ut

have n

ot m

ade a

ny

decisions o

r firm

plans.

I have g

iven it care

ful

thought and d

ecided w

hat

I am

goin

g to d

o.

I have a

lready m

ade

arrangem

ents

for m

y

retire

ment.

Som

eth

ing e

lse - p

lease

describe b

elow

Bradford 18% 10% 19% 19% 10% 23% 2%

Age 18-29 44% 10% 16% 14% 7% 8% 1%

Age 30-39 8% 14% 20% 23% 8% 26% 1%

Age 40-49 2% 8% 23% 22% 11% 34% 1%

Age 50-59 0% 6% 18% 21% 16% 34% 4%

Female 20% 11% 17% 20% 8% 23% 2%

Male 17% 10% 19% 17% 12% 24% 1%

BME 29% 15% 17% 17% 9% 12% 1%

White British 12% 7% 20% 20% 10% 29% 2%

Worth

Valley/Wharfedale 10% 8% 17% 16% 11% 36% 2%

Inner City 25% 14% 19% 21% 8% 12% 1%

Suburbs 14% 8% 19% 19% 12% 27% 1%

Question 11 Which of the following do you expect will help fund your retirement? (Multi-

option)

Em

ploy

ers

or

priv

ate

pens

ion

Con

tinue

to w

ork

Inve

stm

ent i

n st

ocks

/sha

res

Inve

stm

ent i

n pr

oper

ty (

othe

r th

an o

wn

hom

e)

Sav

ings

Rel

ying

sol

ey o

n st

ate

pens

ion

Don

't K

now

Bradford 57% 24% 7% 13% 30% 7% 12%

Age 18-29 46% 19% 5% 13% 31% 5% 20% Age 30-39 55% 29% 5% 14% 27% 7% 11% Age 40-49 66% 24% 7% 13% 31% 10% 5% Age 50-59 73% 28% 12% 10% 29% 9% 5%

Female 63% 23% 6% 11% 30% 5% 14% Male 53% 24% 8% 15% 29% 9% 10%

BME 40% 24% 3% 17% 28% 8% 19% White British 67% 25% 9% 11% 31% 7% 8% Worth Valley/Wharfedale

67% 25% 8% 12% 38% 1% 6%

Inner City 42% 20% 4% 13% 25% 12% 20% Suburbs 67% 26% 9% 13% 32% 6% 8%


23

Question 12 Which area would you PREFER to live in when you retire? (Multi-option)

Cur

rent

ne

ighb

ourh

ood

Nea

r fa

mily

/frie

nds

Rur

al a

reas

(p

eace

and

qu

iet)

With

in

tow

n/vi

llage

With

in C

ity o

f B

radf

ord

Bra

dfor

d C

ity

Cen

tre

Out

side

Bra

dfor

d D

istr

ict

Bradford 33% 24% 25% 14% 9% 1% 22% Age 18-29 24% 29% 24% 11% 11% 2% 23% Age 30-39 30% 25% 26% 15% 10% 1% 19% Age 40-49 39% 21% 26% 14% 7% 0% 23% Age 50-59 47% 18% 22% 16% 7% 2% 22% Female 37% 27% 24% 15% 6% 1% 20% Male 31% 20% 25% 12% 11% 2% 24% BME 29% 30% 21% 10% 17% 2% 17% White British 36% 21% 27% 15% 6% 1% 25% Worth Valley/Wharfedale 55% 19% 21% 13% 3% 0% 15% Inner City 29% 28% 21% 11% 12% 2% 20% Suburbs 32% 25% 27% 16% 8% 1% 25%

Question 13 What kind of property would you PREFER to live in when you retire? (Multi-

option)

Live

with

rel

ativ

es

(oth

er th

an p

artn

er)

Cur

rent

hom

e

Hou

se

Fla

t

Bun

galo

w

Ret

irem

ent

deve

lopm

ent

She

ltere

d ho

usin

g (w

ith a

war

den)

Res

iden

tial

care

/nur

sing

hom

e

Ext

ra C

are

Oth

er

Bradford 5% 25% 36% 8% 33% 7% 5% 0% 5% 5% Age 18-29 6% 17% 49% 5% 25% 3% 2% 0% 4% 4% Age 30-39 6% 23% 40% 7% 35% 9% 6% 1% 5% 7% Age 40-49 2% 28% 27% 11% 40% 8% 8% 1% 4% 7% Age 50-59 3% 41% 17% 10% 37% 9% 6% 0% 8% 4% Female 4% 25% 35% 7% 37% 8% 6% 0% 7% 5% Male 5% 26% 38% 7% 28% 5% 4% 0% 3% 6% BME 11% 24% 43% 4% 27% 3% 2% 0% 3% 4% White British 1% 26% 33% 9% 37% 8% 7% 0% 6% 6% Worth Valley/Wharfedale 3% 29% 36% 7% 33% 7% 3% 1% 3% 6% Inner City 10% 22% 41% 7% 29% 4% 4% 0% 4% 5% Suburbs 2% 28% 34% 7% 37% 8% 8% 0% 7% 6% Bungalow 1% 29% 25% 10% 52% 11% 4% 0% 11% 3% Detached 4% 36% 36% 5% 32% 4% 2% 0% 5% 3% Flat / Apartment 3% 9% 41% 18% 30% 8% 10% 1% 6% 7% Semi-detached 4% 30% 34% 5% 35% 6% 5% 1% 5% 5% Terrace/end terrace 6% 23% 41% 5% 31% 6% 4% 0% 5% 6% Live with parents /relatives /friends 10% 12% Owned outright 3% 44% Owned with a mortgage 3% 30% Rent through a private landlord 5% 13% Rent through housing association 5% 18%


24

Question 14 What kind of property would you realistically EXPECT to live in when you retire?

(Multi-option)

Live

with

rel

ativ

es

(oth

er th

an p

artn

er)

Cur

rent

hom

e

Hou

se

Fla

t

Bun

galo

w

Ret

irem

ent

deve

lopm

ent

She

ltere

d ho

usin

g (w

ith a

war

den)

Res

iden

tial

care

/nur

sing

hom

e

Ext

ra C

are

Oth

er

Bradford 6% 26% 35% 11% 27% 6% 6% 2% 4% 6%

Age 18-29 9% 15% 48% 10% 24% 5% 6% 4% 3% 5% Age 30-39 9% 24% 36% 10% 31% 6% 5% 1% 3% 7% Age 40-49 2% 32% 28% 13% 33% 7% 6% 1% 3% 6% Age 50-59 2% 45% 19% 12% 23% 7% 8% 1% 6% 6%

Female 5% 28% 35% 10% 29% 8% 7% 2% 5% 6% Male 8% 25% 38% 12% 27% 3% 3% 0% 2% 6%

BME 13% 25% 44% 7% 21% 4% 3% 1% 3% 4% White British 3% 27% 32% 13% 31% 7% 7% 2% 4% 7%

Worth Valley/Wharfedale 3% 28% 35% 9% 31% 8% 4% 3% 2% 5% Inner City 12% 23% 41% 10% 23% 5% 4% 1% 2% 5% Suburbs 3% 29% 32% 11% 31% 6% 8% 2% 6% 7%

Bungalow 1% 34% 19% 13% 38% 15% 3% 0% 4% 1% Detached 7% 31% 36% 8% 29% 6% 3% 3% 3% 3% Flat / Apartment 6% 5% 34% 27% 20% 5% 13% 3% 3% 8% Semi-detached 4% 30% 35% 8% 30% 4% 5% 1% 3% 5% Terrace/end terrace 6% 27% 39% 7% 28% 7% 4% 1% 3% 6% Live with parents /relatives /friends

12% 16%

Owned outright 5% 44% Owned with a mortgage 3% 33% Rent through a private landlord 7% 9% Rent through housing association

4% 17%


25

Question 15 How would you PREFER to pay for your retirement accommodation? (Multi-

option)

Ow

n ou

trig

ht

Ow

n w

ith a

m

ortg

age

Ren

t thr

ough

a

priv

ate

land

lord

Affo

rdab

le r

ent

Par

t buy

/par

t ren

t

Live

with

rel

ativ

es

(oth

er th

an p

artn

er)

Let a

roo

m in

my

hous

e

Oth

er

Bradford 68% 10% 6% 18% 5% 3% 1% 5%

Age 18-29 63% 18% 5% 14% 4% 6% 2% 5% Age 30-39 67% 8% 7% 17% 4% 3% 1% 7% Age 40-49 75% 6% 7% 18% 8% 1% 0% 3% Age 50-59 70% 2% 5% 25% 4% 0% 0% 3%

Female 71% 10% 6% 18% 5% 3% 1% 4% Male 68% 12% 5% 15% 5% 4% 1% 5%

BME 62% 16% 4% 14% 5% 6% 2% 7% White British 72% 7% 7% 20% 5% 2% 1% 3%

Worth Valley/Wharfedale 85% 7% 3% 8% 3% 2% 1% 4% Inner City 58% 14% 8% 20% 5% 5% 2% 6% Suburbs 76% 9% 5% 17% 5% 2% 1% 4%

Bungalow 72% 4% 8% 15% 1% 1% 2% 1% Detached 80% 7% 0% 9% 3% 2% 1% 6% Flat / Apartment 44% 10% 8% 32% 5% 4% 1% 5% Semi-detached 74% 9% 6% 16% 6% 2% 1% 4% Terrace/end terrace 71% 12% 6% 15% 4% 3% 1% 4% Live with parents /relatives /friends

61% 21% 4% 14% 4% 8% 2% 1%

Owned outright 87% 3% 2% 6% 3% 1% 0% 6% Owned with a mortgage 82% 6% 3% 13% 3% 2% 0% 3% Rent through a private landlord 51% 14% 15% 22% 8% 2% 4% 6% Rent through housing association

33% 14% 10% 40% 4% 1% 0% 10%


26

Question 16 How would you realistically EXPECT to pay for your accommodation? (Multi-

option)

Ow

n ou

trig

ht

Ow

n w

ith a

m

ortg

age

Ren

t thr

ough

a

priv

ate

land

lord

Affo

rdab

le r

ent

Par

t buy

/par

t ren

t

Live

with

rel

ativ

es

(oth

er th

an p

artn

er)

Let a

roo

m in

my

hous

e

Oth

er

Bradford 56% 17% 7% 21% 5% 4% 1% 5%

Age 18-29 48% 29% 6% 17% 3% 7% 2% 5% Age 30-39 57% 12% 9% 21% 4% 3% 0% 6% Age 40-49 61% 12% 8% 22% 10% 3% 1% 4% Age 50-59 65% 5% 6% 26% 5% 1% 0% 3%

Female 56% 17% 7% 21% 6% 4% 1% 5% Male 60% 17% 7% 18% 4% 4% 1% 4%

BME 50% 20% 6% 15% 5% 8% 1% 7% White British 61% 15% 8% 24% 5% 2% 1% 3%

Worth Valley/Wharfedale 76% 14% 4% 11% 4% 3% 0% 3% Inner City 47% 19% 9% 24% 4% 6% 2% 6% Suburbs 61% 17% 6% 20% 6% 2% 1% 4%

Bungalow 74% 8% 6% 19% 5% 1% 0% 1% Detached 78% 10% 3% 11% 2% 3% 0% 2% Flat / Apartment 19% 19% 10% 42% 8% 4% 1% 6% Semi-detached 62% 17% 6% 18% 3% 2% 0% 4% Terrace/end terrace 60% 17% 7% 18% 5% 5% 1% 6% Live with parents /relatives /friends

50% 28% 6% 15% 5% 9% 1% 2%

Owned outright 83% 5% 2% 6% 3% 2% 1% 2% Owned with a mortgage 72% 13% 4% 14% 5% 4% 1% 5% Rent through a private landlord 35% 23% 17% 30% 7% 3% 2% 5% Rent through housing association

15% 17% 12% 50% 3% 2% 0% 8%


27

Question 17 If you were to develop a SLIGHT physical or mental disability, what kind of

property would you prefer to live in? (Multi-option)

Live

with

rel

ativ

es

(oth

er th

an p

artn

er)

Cur

rent

hom

e

Hou

se

Fla

t

Bun

galo

w

Ret

irem

ent

deve

lopm

ent

She

ltere

d ho

usin

g (w

ith a

war

den)

Res

iden

tial

care

/nur

sing

hom

e

Ext

ra C

are

Oth

er

Bradford 12% 23% 15% 5% 35% 9% 16% 6% 14% 4%

Age 18-29 17% 15% 20% 4% 33% 6% 10% 7% 11% 3% Age 30-39 16% 22% 16% 4% 35% 10% 19% 8% 16% 5% Age 40-49 7% 28% 10% 8% 39% 11% 22% 4% 15% 5% Age 50-59 5% 34% 8% 7% 35% 11% 16% 3% 17% 3%

Female 15% 24% 10% 4% 34% 11% 19% 5% 18% 4% Male 11% 22% 19% 6% 37% 6% 12% 7% 11% 5%




21% 13% 22% 3% 34% 5% 7% 7% 8% 3%

Owned outright 13% 39% 7% 3% 37% 7% 9% 2% 14% 3% Owned with a mortgage 8% 29% 11% 5% 41% 12% 16% 5% 14% 5% Rent through a private landlord 17% 10% 24% 8% 27% 8% 25% 8% 17% 5% Rent through housing association

9% 19% 12% 6% 30% 8% 25% 7% 18% 2%


28

Question 18 If you were to develop a SEVERE physical or mental disability, what kind of

property would you prefer to live in? (Multi-option)

Live

with

rel

ativ

es

(oth

er th

an p

artn

er)

Cur

rent

hom

e

Hou

se

Fla

t

Bun

galo

w

Ret

irem

ent

deve

lopm

ent

She

ltere

d ho

usin

g (w

ith a

war

den)

Res

iden

tial

care

/nur

sing

hom

e

Ext

ra C

are

Oth

er

Bradford 15% 14% 7% 3% 21% 8% 18% 22% 28% 5%

Age 18-29 20% 11% 10% 3% 16% 7% 12% 24% 21% 5% Age 30-39 16% 11% 7% 1% 23% 9% 20% 23% 31% 5% Age 40-49 11% 15% 6% 4% 24% 8% 26% 21% 30% 6% Age 50-59 8% 20% 5% 5% 22% 10% 19% 20% 33% 5%

Female 17% 13% 5% 2% 17% 9% 21% 24% 32% 4% Male 14% 13% 10% 3% 24% 7% 15% 23% 22% 7%




24% 5% 11% 1% 19% 10% 12% 23% 20% 5%

Owned outright 12% 26% 3% 2% 25% 9% 15% 16% 27% 6% Owned with a mortgage 12% 15% 5% 3% 23% 9% 19% 23% 29% 6% Rent through a private landlord 19% 9% 12% 5% 11% 6% 19% 26% 33% 3% Rent through housing association

14% 11% 9% 5% 22% 7% 23% 24% 23% 7%

Documents

Thinking Ahead - Survey Results - Bradford · ‘Thinking Ahead’ Survey Results July 2010 5 2 Introduction 2.1 In May 2010 Bradford Council’s housing service conducted research