The concerns of tenants and service users focused on rent increases and changes to income, particularly through changes in benefits.

The report also found that many of the panel members have experienced difficulties with their wider finances. Nearly a third felt they are not managing their finances well and more than half have concerns for their future financial circumstances.

These findings come at a time when most landlords have increased the rent they charge tenants by levels above inflation.

The Regulator’s analysis of data contained in landlords’ annual returns on the Social Housing Charter found that the average rent increase in 2018/19 was 3.7%. This is up on the previous year’s level of 2.4% and is at the highest level since monitoring began in 2013.  Four-fifths of landlords increased rent in 2018/19 at a rate above inflation (Consumer Price Index).

The Regulator also found that more than four-fifths of all landlords plan rent rises above inflation in the coming year; only four landlords plan to keep rents at the same level and none plan to cut rents.

Michael Cameron, the Regulator’s chief executive, said: “The National Panel report sends a clear message that affordability continues to be a concern for significant numbers of tenants. This year we asked Panel members about wider financial pressures, and the feedback shows that financial struggles are a very real issue.

“What is an affordable rent is a complex matter.  Local context and markets, the interaction with benefits and tax credits, trade-offs with fuel costs all add to that complexity. And all landlords are not starting from the same position on rent levels, and some may be able to increase rents at a higher level and keep them affordable. But the simple arithmetic is that, no matter the starting point, rents that increase above inflation are likely to become less affordable.

“In this context, and at a time when there is rightly a renewed focus on child poverty, we will look to landlords to demonstrate that their rents will remain affordable and that they are having effective dialogue with their tenants on rent increases. And the level of rent increase will feature prominently in our assessment of the risk each landlord presents. Landlords should be asking themselves whether they are doing everything possible to be efficient and drive costs from their business before passing costs on to tenants.”

The report is the third of four themed reports from the National Panel. The first looked at tenant participation and digital access; the second looked at the experiences of users of homelessness services. The fourth and final report will be published this week and will look at the views of residents on sites provided for Gypsy/Travellers.

The National Panel has around 425 members. It is open to anyone who is a social housing tenant or uses social landlords’ services. Membership is diverse and includes people from urban and rural areas, across age bands, local authority and RSL tenants.

This week the Regulator will also publish the 2018/19 National Headline Report on landlords’ performance in achieving the standards in the Scottish Social Housing Charter, along with detailed supporting data.