Dealing with the housing aspiration gap

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Housing, Wealth and Debt

Britain’s reputation as a nation of home-owners is under threat. While it’s true that just under two-thirds (65 per cent) of us own our own place, the home-ownership rate has fallen from 73 per cent since 2007. This downward trend has occurred despite the proportion owning their home outright continuing to rise gently in recent … Continued

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Shared ownership: a role for funders?

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Almost a year on from the launch of Help to Buy, millions of Britons are still unable to get on the housing ladder. The ongoing costs of a high loan to value mortgage are too great a stretch on a modest income, however small the deposit. Among the under thirty fives on low to middle … Continued

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Kickstart institutional investment to build new homes for generation rent

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Investors have long enjoyed a love/hate relationship with property. An asset class dominated by commercial real estate, it delivers diversification and a reasonable yield in the good times. But in difficult times, upward-only rent reviews vanish, and fund managers are left wrestling with high voids and bad debts. Residential real estate, meanwhile, has largely been … Continued

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How to revive build to rent

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The private rented sector is fast becoming the only housing option for low to middle income families. Even with Help to Buy, home ownership is too great a stretch for many, especially in expensive areas and they are very unlikely to get access to affordable housing. The UK’s private rented sector though remains characterised by … Continued

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Building homes for ‘generation rent’

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The private rented sector is fast becoming the only housing option for low-to-middle-income families. Even with Help to Buy, home-ownership is too great a stretch for many, especially in expensive areas, and they are very unlikely to get access to affordable housing. We need to increase the supply of market rented homes as well as … Continued

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