Evaluation of the National Mortgage to Rent Scheme
This report describes the results of research commissioned by the Scottish Government to evaluate the national Mortgage to Rent (MTR) Scheme in Scotland. This is a form of ?mortgage rescue? scheme which helps people who are in danger of having their homes repossessed to stay in their home as tenants of a social landlord (housing association or local authority). The scheme is funded and operated by the Scottish Government. The research aimed to provide a comprehensive evaluation of the MTR scheme as it has operated since 2003, addressing a range of detailed issues about its operation as well as broader questions about its role, contribution and cost-effectiveness. A range of methods was used including literature and policy review, international comparisons, analysis of secondary administrative and national survey datasets, interviews with key stakeholders at national and local level, audit of case files and qualitative interviews with households applying to the scheme. The research was carried out between March and August 2008.
