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H4L is an affordable housing delivery platform and subsidiary of Fifth Capital London
 Everyone deserves a safe, affordable place to live

Our objective is to increase the supply of both temporary and affordable homes in response to England’s housing crisis. We operate across the UK, working alongside local authorities and housing associations to deliver scalable, long-term solutions.

We are supported by a team of sector-leading professionals with deep expertise in housing, investment, fund and portfolio management, financial strategy, and development delivery. Their exceptional track records underpin our ability to unlock long-term, low-cost capital and deliver high-quality homes at pace — helping our partners meet housing demand, ease budget pressures, and improve outcomes for communities.

About us

H4L was created with the objective of increasing the supply of temporary and affordable homes in response to England's Housing Crisis

We employ industry leading professionals with exceptional track records in their fields in the areas of investment, fund and portfolio management, financial management and development management, and operate throughout the UK.

Our mission

Our track record

With a proven history of delivering transformative developments across the UK, our team has successfully led projects that provide high-quality, affordable homes and vibrant mixed-use spaces.

View all projects
Trocoll House
A transformative development occupying a strategic site directly adjacent to Barking Station.
Wood Common
A new landscape-led masterplan, focusing on provision of new public green routes, creation of a new linear park, with improvements of existing lakes and ecological buffers, and the construction of 1,250 new homes, across a mix of town houses and apartments, with a Sports Leisure Centre, retail, and Boathouse community facility. The tenure proposed will be 100% affordable, including social rent homes and key worker housing.
City Wharf
City Wharf provides 327 new homes in a tranquil waterside location in north London.
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“Fifth Capital London approached A2D with a Financial structure to acquire and fund a portfolio from us which would help secure temporary accommodation for the City of Westminster. My team worked very closely with FCL to deliver this transaction and found them to be professional and reliable throughout.”

Ian WardleCEO of A2Dominion Group
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“Fifth Capital London assembled a portfolio of assets from A2 Dominion Group with the aim of securing temporary accommodation for the City of Westminster. Phoenix Group worked closely with FCL to structure and deliver the long term funding. Throughout the process FCL demonstrated a high level of commercial insight and expertise, playing a crucial role in the successful delivery of the project.”

Oliver SwallowSenior Investment Manager of Phoenix Group
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“Like many Councils in London, Westminster is experiencing significant increases in homelessness demand and costs, this acquisition helps to protect much needed quality temporary accommodation supply within the city. This innovative financing structure through Phoenix Life will help the Council secure and improve these housing assets for the long-term benefit of our residents. The Council’s internal housing, finance and legal teams worked brilliantly with Fifth Capital to get this deal over the line.”

Gerald AlmerothExecutive Director of Finance and Resources of Westminster City Council