I think at the Risk of re-iterating myself is an excellent title for a blog about Affordable Housing. The Housing Crisis as a class of problems is really too wide a category to be anything more than a meme. One could usefully just go with the Title "The Problem of Housing everyone", and take that as a neutral starting point. This mind map is the distillation by the writer of 2 years of deep research into Housing affordability, on top of a 35 year career in the property business in various capacities. Any career in property would involve periods during which some specialisation would be necessary, in order to make a living, which specialists or experts would one consult if one were to look at the problem of housing everyone? In the 1945 film The Ten Year Plan (1945) which I edited into a 6 minute short called Home@ix steeling the show.
there is a scene where the production supervisor instructs the films main character the "Louche", Charles Martin, played by Charles Hawtree, that.. "As well as the Steel experts you should interview ordinary members of the public". Affordable Housing for who?
If you click on the above image you will find a copy of Motivating Collective Custom Build (MCCB) Project ( Starts at page 55), The excellent original web site can still be accessed on the Wayback machine https://web.archive.org/web/20130904160957/http://collectivecustombuild.org/ . This is clearly not a Red team Blue team issue, many initiatives though have been rejected by one or other of the red and blue team on a "Not Invented Here " basis , a most curious form of nimbyism you might say.
Try the Home@ix Understanding Affordable Homes Mindmap Click here
Veteran filmmaker Lewis Gilbert (Alfie, Educating Rita) made his directorial debut with this quirky documentary, promoting the contribution of the British steel industry during the nation's housing crisis in the wake of WWII. A pre-'Carry On' Charles Hawtrey appears as a writer assigned to investigate the strange new phenomenon of the 'prefab' - steel-framed prefabricated homes designed to take advantage of wartime advances in mass production. At the end of WWII, the need to replace housing that had been damaged or destroyed in air raids was so acute that prefabricated houses - known as 'prefabs' - were investigated as a short-term alternative. The post-war housing minister, Nye Bevan, dismissed them as "rabbit hutches" but, curiously, the prefab came to be one of the most popular forms of council housing because of its size, its garden and the privacy it afforded. Directed by the prolific British director Lewis Gilbert ('Alfie', 'Educating Rita') early in his career, 'The Ten Year Plan' stars 'Carry On' actor Charles Hawtrey as a louche young writer sent to report on a range of prefabs, discovering with some surprise that many of them look like "real" houses.
Boris mentioned this yesterday in PMQ's, will look at details. If Boris want to give the right to buy to Low Paid workers , he would get the Bank of England to establish a regional Mortgage Finance corporation ( Building Society, but not necessarily mutualised) The Bank would originate finance for Land purchases, construction finance and long term mortgages . The mortgages would be held by individual home owners in stead of for profit private landlords. . Proudhon described such a system.
"he proposed to obtain by means of a national bank, based on the mutual confidence of all those who are engaged in production, who would agree to exchange among themselves their produces at cost-value, by means of labour cheques representing the hours of labour required to produce every given commodity. Under such a system, which Proudhon described as ” Mutuellisme,” all the exchanges of services would be strictly equivalent. Besides, such a bank would be enabled to lend money without interest, levying only something like 1 %, or even less, for covering the cost of administration. Everyone being thus enabled to borrow the money that would be required to buy a house, nobody would agree to pay any more a yearly rent for the use of it. A general ” social liquidation ” would thus be rendered easy, without violent expropriation. The same applied to mines, railways, factories and so on. ”
A good way to deal with creating such a "State Bank" would be to implement Gordon Browns , Federalised Bank of England, Scotland, Wales and Ulster. This would scotch the Scots Nat's, as per PMQ's handbags between Boris and Ian Blackford, but would also stimulate activity at the end of the market that needs it.
Within that larger pure banking structure, the sorts of Bonds Home@ix is proposing and which Berkley homes floated last year
could be underwritten by the new federated land banks of England, Scotland, Wales, and Ulster. a sort of rentenmark solution
In that little lot the whole Home@ix model was found, the Home@ix approach is for one segment of the Market the reluctant 10%, Rungs 1-25 and rungs 35-50 could quite seamlessley and for great benefit be worked into the brief of the regional English landpound Scottish Land Pound, Welsh Landpound and Ulster Landpound. etc, so forth and so on.