Terrace 21 is a housing cooperative whose members intend to live
in 5 x 2-bedroom terraced houses on Cairns Street, Liverpool 8.

We are committed to creating environmentally sustainable, permanently affordable housing for people on modest incomes.


Environmentally Sustainable

We will ‘eco retrofit’ (refurbish) five empty properties taking a “fabric first” approach with lots of insulation so that they meet the government’s carbon targets for 2050, almost 35 years ahead of schedule. This will mean much less energy is needed to keep houses warm, making them more comfortable creating a healthier internal environment. It will also make them cheaper to run, keeping down fuel bills for residents.


Permanently Affordable

Terrace 21 is a Mutual Home Ownership Society (MHOS) where rental payments are linked to the net income of the members rather than to inflation or the will of private landlords. This will make our housing permanently affordable for us and future generations.


Community Asset

Terrace 21 is built for the intermediate market (those ineligible for social housing but priced out of home ownership) and will add a fresh perspective to a community with a rich heritage and a strong future. We are working alongside the Granby 4 Streets Community Land Trust (G4SCLT) and other stakeholders to bring all the houses back into full occupancy.



Terrace 21 Mutual Home Ownership Society Limited © 2022
Address: 54 St James Street, Liverpool L1 0AB
Legal: Our Financial Conduct Authority registration number is 4173.
You can verify this and other information by checking the Financial Conduct Authority's register at their website www.fca.org.uk