An efficiency drive at Plus Dane Group has unlocked more than £600,000 for new investment - without any cuts in service.
The savings came in many guises, ranging from better procurement deals to the setting up of an in-house IT training facility.
In agreement with the groupís Tenants Together Forum (TTF) and trades unions, the cash is being split equally three ways.
One third has gone to staff, one to the Merseyside and Cheshire housing associationís reserves and a third to fund more neighbourhood investment activity this year.
The tenantsí forum, which is the voice of Plus Daneís customers, is now reviewing neighbourhood plans and priorities to decide how best to invest the extra resources this year. The cash is over and above investment already agreed.
Chair of the Tenants Together Forum, Des Finlay, 68, of Wavertree, said: ďTo make savings in this way is a good thing but it is unusual for a company to share money with their customers like this instead of keeping it for themselves and this reflects very well on Plus Dane.
"We just have to decide what to spend the money on now."
In the current harsh economic climate, the Neighbourhood investor has been investigating ways to improve efficiency to ensure its ability to help those it serves continues and challenged staff to think of ways to better spend the groupís resources.
Plus Daneís Group Financial Controller Rachel Jones said: "Lots of people came up with good ideas Ė some of which will roll into next year and continue to deliver savings.
"One of our promises to tenants involves supporting resident involvement, so it is good that we have been able to identify efficiency savings and are able to put that money to work."