hi, you do have to be very careful on which housing association you go to! alot are very over priced, luckily the one myself and my partner choose had a realistic view, we got a 2 bed in canary wharf and considering the market got it for 10,000 cheaper than any of the same on the market! if they go for it get and independent valuation as barclays valued ours at 20,000 cheaper than list price and as been as the ha were very aware of thee situation we got a great deal for our perfect aparment and fyi our valuation was from barclays!