Locarla Market Intelligence

The 30-day line:
who pays contractors on time across
England and Wales

257 UK17 payments compliance notices from social housing associations and local authorities across England & Wales, published 8 April - 16 June 2026, covering the reporting period October 2025 to March 2026. We analysed who pays fast, who pays slow, and how contractors can use this data before their next bid.

Procurement Act 2023 - Section 69 notices - Find a Tender - H2 2025/26

257UK17 notices analysed, Oct 2025 - Mar 2026
16.9median days to pay, across all landlords
58 (22.6%)landlords pay in 10 days or less on average
33 (12.8%)landlords average more than 30 days to pay
45 (17.5%)landlords leave 5%+ of invoices unpaid past 60 days
Context

What a UK17 notice tells you

What it is

A payments compliance notice every council, housing association and ALMO must publish on Find a Tender, twice a year, under section 69 of the Procurement Act 2023.

What it discloses

The average days taken to pay an invoice, plus the share paid within 30 days, in 31-60 days, and beyond 60 days - for the latest six-month reporting period.

Why it matters to you

It is the closest thing to a public credit reference on your client. The Act implies a 30-day term into every in-scope contract - and into your subcontracts too.

The sector divide

Councils pay in 14 days. Housing associations take 25.

Local authorities
176notices analysed
14median days to pay
93.8%of invoices paid within 30 days
81%of councils clear 90%+ within 30 days
Housing Associations
81notices analysed
25median days to pay
83.9%of invoices paid within 30 days
44%of associations clear 90%+ within 30 days
10-day gap - on a like-for-like 100k monthly application, the median housing association holds your money roughly 10 days longer than the median council. Only 81 housing associations have published UK17 notices so far, compared to more than double (176 local authorities) - the HA disclosure picture is still maturing.

Landlords by average days to pay - share of HA vs LA in each payment speed band

Each bar totals 100% of landlords in that band. Shows the composition by sector type.

0%20%40%60%80%100%97%<=1024%76%11-2046%54%21-3076%24%31-4080%20%41-6050%50%60+HALA
Fast lane (under 10 days) 96.5% of landlords paying in 10 days or under are local authorities. HAs barely feature.
Slow lane (31-60 days) 74-80% of landlords in the 31-60 day bands are housing associations - late payment risk concentrates here.
Crossover point 21-30 days The only band where HAs and LAs are near-equal (44% vs 56%). Beyond this, HAs dominate.
Avg days band Total landlords HA count LA count
10 days or under58256
11 - 20 days1032578
21 - 30 days612833
31 - 40 days21165
41 - 60 days1082
Over 60 days211
The scale effect

The bigger the landlord, the longer you wait

Mean days to pay, by size of landlord

30 days Under 5k 16.2 days (127) 5k-10k 20.1 days (47) 10k-20k 18.2 days (46) 20k-50k 27.2 days (33) 50k+ 24.1 days (4)
Under 5k homes 16.2 days 89% are LAs (113 of 127) - includes organisations with no housing stock. Fastest band by average.
20k-50k homes 27.2 days HAs are the majority - 70% (23 of 33). Just 3 days from the statutory limit.
50k+ homes 24.1 days 4 landlords tracked (Sanctuary, Clarion, Peabody, Leeds). 3 of 4 are HAs.
League tables

The fastest - and the slowest

Fastest payers - settled in under a week, on average

OrganisationHomesAvg days to pay Paid ≤30 daysPaid 31-60Paid 61+
Oxfordshire County Council-
1.9
99.5%0.4%0.1%
Fylde Borough Council-
3.5
98.1%1.1%0.8%
Pendle Borough Council-
3.5
91.7%4.3%4.0%
Salford City Council1,453
3.6
99.0%0.7%0.3%
Lichfield District Council-
3.6
100.0%0.0%0.0%
Hackney London Borough21,552
3.7
98.6%0.6%0.8%
Home Group49,315
3.8
100.0%0.0%0.0%
Tonbridge & Malling Borough Council-
4.2
99.8%0.2%0.1%
North Yorkshire Council8,334
4.7
98.1%1.1%0.8%
Westmorland & Furness Council2,571
4.7
95.8%2.8%1.4%
9 of the 10 fastest payers are local authorities. Home Group is the only housing association to break into this group. Council prompt-payment culture, centralised finance systems and Treasury benchmarking produce a structurally different payment profile - contractors bidding for LA work face materially lower cashflow risk.

Slowest payers - top 10, a month and beyond

OrganisationHomesAvg days to pay Paid ≤30 daysPaid 31-60Paid 61+
Halton Housing Trust7,128
82.0
0.0%0.0%100.0%
Southwark Council37,144
61.2
71.5%12.6%15.9%
Notting Hill Genesis42,799
49.3
66.0%0.2%33.7%
Golden Lane Housing3,107
48.0
67.0%16.0%17.0%
Windsor & Maidenhead Royal Borough-
48.0
79.0%11.0%10.0%
Vico Homes (formerly WDH)31,184
46.0
61.0%21.0%18.0%
Anchor Hanover Group *39,002
46.0
73.6%18.5%7.9%
Stonewater Ltd33,169
45.1
83.0%8.0%9.0%
Poplar HARCA Ltd.5,147
43.7
33.3%33.3%33.3%
Orwell Housing Association Ltd.3,862
43.2
66.1%20.8%13.2%

Halton Housing Trust figure covers above-threshold PA23 contracts only - all-contract performance not disclosed, treat as indicative.

8 of the 10 slowest payers are housing associations. Southwark Council and Windsor & Maidenhead Royal Borough are the only 2 local authorities in this list - the other 8 are HAs. Halton Housing Trust is an extreme outlier - 100% of its reported invoices took beyond 60 days. For the remaining 9, over a third have 10%+ of invoices stuck beyond 60 days, compounding cashflow risk for contractors.

* Reporting period Jan - Mar 2026 only (not the full Oct 2025 - Mar 2026 period).

The watchlist

The 10 largest landlords, ranked by stock

Fastest of the 10

3.8 days - Home Group, 100.0% paid within 30 days.

Solid mid-pack

Torus * - sits at the midpoint of these 10 landlords, paying in 22.0 days with 90.0% settled within 30 days.

Slowest of the 10

49.3 days - Notting Hill Genesis, 33.7% paid beyond 60 days.

OrganisationHomesAvg days to pay Paid 30 daysPaid 31-60Paid 61+
Sanctuary Housing Association104,744
30.0
65.5%32.1%2.4%
Clarion Housing Group96,703
17.0
99.0%0.8%0.2%
Peabody Trust71,196
27.3
69.0%23.0%8.0%
Leeds City Council54,466
22.0
91.9%5.3%2.8%
Home Group49,315
3.8
100.0%0.0%0.0%
Aster Group44,649
35.4
79.4%10.0%10.5%
Notting Hill Genesis42,799
49.3
66.0%0.2%33.7%
Anchor Hanover Group *39,002
46.0
73.6%18.5%7.9%
Torus *38,344
22.0
90.0%10.0%0.0%
Sheffield City Council38,098
11.0
96.0%3.0%1.0%

* Reporting period Jan - Mar 2026 only (not the full Oct 2025 - Mar 2026 period).

Tail risk

Where invoices go to wait: the 61-day tail

Average days tell you about the typical invoice; the 61+ day share tells you about the ones that go wrong - the ones that break subcontract chains and force you to bridge your own suppliers 30-day terms from your overdraft.

42landlords (16.9% of all 249) pay 5%+ of invoices beyond 60 days
12%of housing associations have 10%+ of invoices stuck beyond 60 days - vs 3% of councils
3xhousing associations are 3 times more likely than councils to leave invoices beyond 60 days

Highest share of invoices paid beyond 60 days

OrganisationPaid 61+Avg days
Halton Housing Trust100.0%
82.0
Notting Hill Genesis33.7%
49.3
Poplar HARCA Ltd.33.3%
43.7
Vico Homes (formerly WDH)18.0%
46.0
Golden Lane Housing17.0%
48.0
Amplius16.0%
38.0
Southwark Council15.9%
61.2
Orwell Housing Association Ltd.13.2%
43.2
Connexus Homes Ltd.11.9%
30.0
GreenSquareAccord11.0%
36.5
Outstanding payments

Invoices still unpaid - the outstanding payments picture

What the outstanding figure adds

Outstanding payments are invoices not yet settled at the reporting date. They reveal the unpaid backlog sitting behind the headline average days-to-pay figure - including payments still in dispute or simply not yet processed. A landlord can appear to pay quickly on average while still holding a significant tail of unresolved invoices.

63%of landlords (163 of 257) carry at least some outstanding invoices at reporting date
19%of landlords (50 of 257) have 5%+ of invoice value still outstanding
37%of landlords (94 of 257) report zero outstanding invoices at half-year end
79.0%highest outstanding rate, reported by Nuneaton and Bedworth BC

Top 10 landlords by outstanding payments

OrganisationOutstandingAvg days
Nuneaton and Bedworth BC79.0%17.0
Moat61.5%37.5
Lincolnshire County Council44.8%16.6
Be One Homes (formerly Bolton At Home)37.0%14.0
Notting Hill Genesis33.9%49.3
Accent Housing33.4%14.0
Gateway Housing Association28.3%37.0
LiveWest Homes Ltd23.0%30.9
Broadland Housing Association Ltd.22.1%21.9
Windsor and Maidenhead Royal Borough21.0%48.0
Key takeaways

What the data tells you

01

Sector gap is structural

Councils pay in a median 14 days; housing associations take 25. That 11-day gap reflects embedded LA payment culture and treasury discipline - not individual performance. It is predictable, persistent, and priceable.

02

Scale amplifies risk

The 4 largest landlords in the 50k+ band (Sanctuary, Clarion, Peabody and Leeds) average 24.1 days. Three of the four are housing associations. Large client size correlates with structural payment risk - complex approval hierarchies, multi-entity routing and finance system fragmentation all increase the chance of delay.

03

Outstanding is a second signal

63% of landlords carry open invoices at reporting date. A fast average can hide a long tail - check outstanding % alongside average days before committing to a client.

Putting it to work

Four moves before your next bid

01

Price the wait, not just the work

Build each client reported average days into your cashflow model. A client at 45 days vs 12 is a measurable financing cost - treat it like any other input price.

02

Know your statutory rights

PA23 implies 30-day terms and flow-down to subcontractors. Late payment attracts statutory interest at 8% above base rate under the 1998 Late Payment Act.

03

Make UK17 part of due diligence

Notices land each April-May and October-November, within 30 days of the half-year end. Five minutes on a client latest notice beats any tender document.

04

Negotiate, do not confront

These are the client own published figures. Use them when agreeing valuation dates or payment schedules and point to the strongest payers as benchmarks.