Natalie Elphicke

Natalie Elphicke

CEO, Housing and Finance Institute (HFI)

Natalie Elphicke OBE

Natalie Elphicke is the Chief Executive and a founding director of the Housing & Finance Institute (

Natalie has been an independent expert advisor to central government over several years, including on the role of councils in housing delivery and the national estate regeneration strategy. She has written and informed public policy in housing for over two decades, and key publications include How to Build More Homes Faster on accelerating housing delivery and housing infrastructure, Housing People Financing Housing on unlocking the financial capacity of housing associations to build more social housing. Natalie co-wrote Nation Rent and A Better Deal for Nation Rent setting out alternative models and approaches to investment modelling across all tenures. She undertook the Elphicke-House Review for HM Government setting out proposals to widen the role of councils in housing delivery.

Natalie’s background is as a national specialist in complex housing and structured finance law and public policy. A former international law firm partner with over £4billion transactional experience under her belt, Natalie has worked on the practical delivery of housing and finance for over two decades, She has worked across the housing and finance industries, with housing associations, councils, national and devolved governments as well as investors, mortgage lenders and developers.

At the Institute, Natalie is a prolific policy and market writer. She hosts regular top level business engagement events as well as leading the work on the Institute’s Housing Business Ready programme with councils.


Natalie Elphicke was appointed an OBE in the Queen’s Birthday Honours 2015 for her

services to housing.