What United Welsh does

United Welsh Housing Association Ltd is a not-for-profit registered social landlord founded in 1989, headquartered in Caerphilly, Wales, and regulated by the Welsh Government. The Group employs 433 staff and provides affordable homes, housing-related services, and community programmes to more than 7,000 households across South Wales. Its housing stock is concentrated in Caerphilly (36%), Cardiff (28%), and Blaenau Gwent (15%), with additional presence across the Vale of Glamorgan, Newport, Rhondda Cynon Taf, Bridgend, Torfaen, Monmouthshire, Neath & Port Talbot, and Merthyr Tydfil. United Welsh operates an integrated group structure with three core subsidiaries: Celtic Horizons (repairs and maintenance), Celtic Offsite (a social enterprise manufacturing low-carbon timber frame structures using AECB CarbonLite principles, with fabric-first design, air source heat pumps, solar PV, and battery storage), and Harmoni Homes (open-market and first-time-buyer home sales at below-market rates). Tenant-facing technology includes the TED mobile app and Tenant Zone online portal for rent payment, account management, and repair reporting.

Revenue derives primarily from recurring affordable rents (subscription model, weekly billing, with service charges at Extra Care schemes such as Llys Nant y Mynydd starting from £330/week), supplemented by one-off property sales through Harmoni Homes, leasehold management fees (10% of agreed rental), and hardware sales from Celtic Offsite to other housing associations. Allocation of rental homes is conducted through Common Housing Registers operated in partnership with local councils. The Group also delivers extra care housing (e.g., the 44-apartment Llys Nant y Mynydd dementia-friendly scheme), supported housing for refugees and asylum seekers (e.g., Oak House), and community programmes including the Connect loneliness-reduction project and Money Advice service, which secured over £2.4m in additional finance for residents in FY25. United Welsh runs a £21m-per-year development programme committed to delivering 1,300 additional homes over five years, with major projects at Former Windsor Colliery (152 homes, Abertridwr), Sanatorium Road (103 units, Cardiff), Lower Plas Court (58 apartments, Blackwood), Austin Grange (75 homes), and Former St Catherine's Church (16 apartments). Welsh Government December 2025 Regulatory Judgement confirmed ongoing compliance on governance, service delivery, and financial viability.

Name

United Welsh

Legal name

United Welsh Housing Association Ltd

Website

https://unitedwelsh.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Affordable Housing / Social Housing Services

NAICS

Lessors of Residential Buildings and Dwellings (53111), New Multifamily Housing Construction (except For-Sale Builders) (236116), Assisted Living Facilities for the Elderly (623312), Continuing Care Retirement Communities and Assisted Living Facilities for the Elderly (62331)

SIC

Operators Of Apartment Buildings (6513), Real Estate Operators (No Developers) & Lessors (6510), Land Subdividers & Developers (No Cemeteries) (6552), Services-Nursing & Personal Care Facilities (8050)

akta.pro primary industry

Affordable & Subsidized Housing Property Management (LIHTC, Section 8) (BPAJAFAD)

akta.pro secondary industries

Residential Affordable Housing Development & Construction (IMAFABAI), Independent Living Real Estate Owners/Operators (REITs & Management Companies) (HLADAAAG), Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC), Public Housing & Social Housing Development/Modernization Programs (FSALAKAH)

Keywords

• Affordable housing services
• Social housing rentals
• Extra care housing
• Timber frame construction
• Repairs maintenance services

Headquarters

HQ city

Caerphilly

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Affordable Housing Rent: United Welsh generates the majority of its revenue from renting affordable homes to tenants across South Wales. Tenants pay weekly rent which includes service charges covering fuel, water, and meals at extra care schemes.
2. Leasehold Management Services: United Welsh provides leasehold management services for people who own their homes but want a landlord to manage the property. A management fee of 10% of the agreed rental payment is charged.
3. Harmoni Homes Property Sales: Through the Harmoni Homes brand, United Welsh sells homes on the open market, and homes specifically for first-time buyers or people wanting to own a home again, at more affordable than market rates.
4. Celtic Offsite Timber Frame Manufacturing: Celtic Offsite, a social enterprise subsidiary, manufactures timber frame structures for affordable housing developments and sells these to housing association and developer partners across South Wales.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

United Welsh is a not-for-profit registered social landlord providing affordable homes and housing services across South Wales, including social rented housing, extra care and supported housing, affordable home ownership via Harmoni Homes, repairs and maintenance through Celtic Horizons, and low-carbon timber frame construction via Celtic Offsite. The group also supports tenants with community programmes such as Connect, Living Well, money advice, and digital tenancy management through the TED app.

Product overview

United Welsh is a registered social landlord and housing association providing affordable homes and services across South Wales. The organization operates as a group structure including core housing services, subsidiary brands (Celtic Horizons for repairs, Celtic Offsite for timber frame construction, Harmoni Homes for home ownership), and resident support programs (Connect, Living Well, Extra Care schemes like Llys Nant Y Mynydd and Oak House). The TED mobile app serves as the primary digital platform for tenants to manage rent payments, repairs, and accounts.

Differentiator

Problem solved

Functional benefit

Brands

• Celtic Horizons: Repairs and maintenance subsidiary handling property repairs for United Welsh homes.
• Harmoni Homes
• Celtic Offsite
• TED App
• Thrive@UnitedWelsh

Products and services

• Affordable rental housing Core social rented housing service providing tenants with affordable homes across South Wales, allocated through Common Housing Registers operated with local councils; tenants pay weekly rent including service charges covering fuel, water and meals at extra care schemes.
• TED App Mobile application enabling tenants to manage their tenancy on the move — check accounts, pay rent, report repairs, and access services. Available on Google Play and the App Store.
• Celtic Horizons (repairs and maintenance)

Quantifiable outcome

• 84% of people are satisfied that United Welsh provides a safe, secure home
• +7 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Welsh GovernmentcoreStrategic or Co-development PartnerWelsh Government is a key strategic partner across United Welsh's development programme. United Welsh's development programme is worth approximately £21m per year with a commitment to deliver 1,300 additional homes over five years, underpinned by Welsh Government funding. Welsh Government also co-funds specific developments such as the Former Windsor Colliery (152 homes in Abertridwr), Sanatorium Road (71 apartments and 32 houses in Canton, Cardiff), and the Button Factory development in Porth (10 affordable homes).
• Caerphilly County Borough CouncilcoreStrategic or Co-development PartnerCaerphilly County Borough Council is a key housing development partner. The Former Windsor Colliery development (152 new homes in Abertridwr) is delivered in partnership with Caerphilly County Borough Council and Welsh Government. The council is also the primary area of housing concentration for United Welsh (36% of homes, 2,546 units).
• Cardiff CouncilcoreStrategic or Co-development PartnerCardiff Council is a housing development partner for the Sanatorium Road development (71 apartments and 32 houses in Canton, Cardiff), delivered in partnership with Welsh Government. Cardiff is the second-largest area of housing concentration (28%, 2,000 homes).
• TrivalliscoreStrategic or Co-development PartnerCeltic Offsite (United Welsh Group social enterprise) partnered with Trivallis to provide timber frame structures for 10 affordable homes at the former Button Factory site in Porth (Clos y Ffatri). This was Trivallis' first full development delivered using AECB CarbonLite principles. Celtic Offsite also manufactured a memorial bench to honour the site's industrial history. A second Trivallis partnership involves 17 low-carbon bungalows at Bridge Road, Cwmbach, Aberdare.
• Bluefield Land LtdcoreStrategic or Co-development PartnerBluefield Land Ltd was the main contractor for the Button Factory development (10 affordable homes in Porth), partnering with Trivallis and Celtic Offsite. Construction commenced in October 2024 with completion expected in early 2026.
• Newydd Housing AssociationcoreStrategic or Co-development PartnerCeltic Offsite partnered with Newydd Housing Association for the first time to deliver 17 low-carbon bungalows at Bridge Road, Cwmbach, Aberdare. Celtic Offsite provides timber frame structures from its Caerphilly factory, with on-site construction completed by M&J Cosgrove. The bungalows target EPC A ratings using solar panels and non-fossil fuelled heating systems, allocated through Homefinder, the Rhondda Cynon Taf housing list.
• M&J Cosgrove ConstructionminorImplementation/ SI/ Consulting PartnerM&J Cosgrove is the main contractor completing on-site construction for the Bridge Road development in Cwmbach, Aberdare, working with Celtic Offsite (timber frames) and Newydd Housing Association.
• Alzheimer's SocietyminorStrategic or Co-development PartnerLlys Nant y Mynydd Extra Care scheme in Nantyglo, Blaenau Gwent was officially recognised as a Dementia Friendly community by the Alzheimer's Society in September 2019. The recognition reflects how dementia needs are considered in all aspects of the scheme, including physical layout, signage, lighting, and resident activities.
• Community Housing CymruminorOthersCommunity Housing Cymru collates and analyses data provided by housing associations on senior management remuneration. They published the Chief Executive Pay Transparency Report 2025-26, which includes United Welsh's data.
• Information Commissioner's Office (ICO)minorOthersThe ICO is referenced in United Welsh's subject access request guidance, directing individuals to the ICO for information about making subject access requests under GDPR.
• Working Families (partnership)minorStrategic or Co-development PartnerUnited Welsh partners with Tai Calon, Tai Sir Fynwy, Newport City Homes, Charter Housing and Linc Cymru on the Working Families service, funded by the National Lottery Community Fund, supporting working families in Newport, Blaenau Gwent, Caerphilly and Monmouthshire.
• Celtic HorizonscoreOthersCeltic Horizons is a subsidiary within United Welsh Group that handles repairs and maintenance services for United Welsh properties and potentially external clients. Celtic Horizons also offers work experience opportunities alongside United Welsh.
• Harmoni HomescoreOthersHarmoni Homes is the brand through which United Welsh sells homes on the open market and to first-time buyers at below-market rates. Contact via phone 029 2085 8145 or [email protected]. Properties listed at harmonihomes.com.
• St Marys CIW Primary SchoolminorStrategic or Co-development PartnerSt Mary's Church in Wales Primary School participates in the Brynmawr Intergenerational Connect Choir and intergenerational activities with United Welsh Living Well schemes, helping reduce isolation among older residents.

Scale indicators14 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Wales & West Housing: Wales & West Housing is one of the largest not-for-profit housing associations in Wales, providing affordable rental homes across both South and West Wales. Direct peer to United Welsh with overlapping geography, similar regulatory framework (Welsh Government), and comparable customer base of low-income tenants.
• Pobl Group: Pobl Group is a major Welsh not-for-profit housing association and care provider operating across South Wales and South West England. Comparable to United Welsh in scale, regulated social landlord status, and diversification into supported living and care services.
• Tai Calon Community Housing: Tai Calon is a Welsh housing association operating in Blaenau Gwent and surrounding areas, directly overlapping with United Welsh's Blaenau Gwent footprint (15% of stock). Operates as a registered social landlord with similar tenant demographics and service offerings.
• Newydd Housing Association: Newydd Housing Association operates across Mid and South Wales providing affordable homes. Newydd is also a customer of Celtic Offsite (timber frame structures for the Bridge Road bungalows), making them both a direct peer and a partner comparable to United Welsh's subsidiary operating model.
• Trivallis: Trivallis is a Welsh housing association serving Rhondda Cynon Taf with affordable rental homes. Both a direct peer (registered social landlord in South Wales) and a partner of Celtic Offsite (Clos y Ffatri Button Factory development).
• Hafod Housing Association: Hafod is a Welsh housing association operating primarily in Cardiff and South East Wales. Directly comparable to United Welsh in Cardiff-focused operations (28% of United Welsh stock) and supported housing offerings for older residents.
• Melin Homes: Melin Homes is a Welsh not-for-profit housing association operating across South East Wales including Torfaen and Monmouthshire. Comparable as a registered social landlord with similar extra care housing, supported living, and tenant support programmes.
• Cadarn Housing Group: Cadarn Housing Group is a Cardiff-based housing association providing affordable homes across South East Wales. Directly comparable to United Welsh as a registered social landlord in overlapping Welsh geography with similar customer demographics.
• Linc Cymru: Linc Cymru is a Welsh housing association and care provider operating across South East Wales with a focus on supported living and extra care. Direct peer in the Living Well and Extra Care service space, also partnering with United Welsh on the Working Families service.

Broad incumbents

• Clwyd Alyn Housing: Clwyd Alyn Housing is one of the largest housing associations in Wales, primarily operating in North Wales. Comparable operating model (registered social landlord, supported housing, extra care) but in a different geographic region, making it a broader Welsh-sector peer rather than direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/UnitedWelsh
• LinkedInlinkedin.com/company/united-welsh
• TikToktiktok.com/@unitedwelsh
• Xx.com/UnitedWelsh

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Welsh