David Garnett is currently Chair of Two Rivers Housing. He is co-author, with John Perry, of Housing Finance, published by the Chartered Institute of Housing in a revised edition in 2005. He is an experienced university lecturer, having been principal lecturer in Housing Finance at University of West of England, Bristol, and has extensive experience as a trainer, consultant, examiner and higher education manager.

• AccountabilityAccounts (Interpretation Of)Affordability (Includes Affordable Housing, Affordable Rent, Affordable Price)Allocations (Includes Choice Based Lettings And Homelessness)Anti-Social BehaviourAsset Management (Including Whole Life Costing)Audit (Sub Divisions: Internal Audit, External Audit)Business PlansCapital and Revenue (Distinction)Care and SupportConsultants (Use Of)Continuous Improvement (Of Service Delivery) background-origin: initial; background-clip: initial; Culture (Of Business)DevelopmentDisabilityDiversityEmpowermentEngagement (Including Participation)Evidence-Based PolicyEnvironmental Sustainability (Includes Green Housing)Equity (In Property Includes Equity Release)Financial Planning and Management (Includes Viability And Debt Profiling)GovernanceGovernment PolicyHome OwnershipHousing MarketHousing Need And Demand (Including Need Assessment)Housing StandardsInclusion (Includes Financial And Digital Inclusion)LeaseholdLocal GovernmentLow Cost Home Ownership (Including Shared Ownership)Low Income HouseholdsMerit Goods And ServicesMortgagesNeighbourhoods and Communities (Includes Localism)Nudge TheoryObsolescence (Including Repairs And Maintenance, Refurbishment And Renewal)Partnerships (Includes Inter-Agency Working)Performance MonitoringPlanning Gain (Including Contractors' Contributions And Section 106 Agreements)PoliticsPrivate RentingProprietary And Non-Proprietary InterestsQualityRegulationRentRisk And Uncertainty (Analysis And Management)Rural HousingShort-Termism (Including Whole Life Costing And Life Cycle Costing)Social Housing (Sub Divisions: Council Housing, Housing Associations, Almos)Social Justice (Including Intergenerational Justice)Social Responsibility (Contrasted With Shared Value)Social Returns On Investment (SROI) (Including Social Dividends)Social EnterpriseSources Of FinanceStrategic Thinking and Planning (Distinction Between)Subsidies (Ways Of Categorising)SustainabilityTaxationTenancy Agreements (Sub Divisions: Assured, Assured Short Hold)Value (Including Existing Use And Open Market)Value For MoneyWelfare (Including Welfare Reform)