The Unfair Index

In the face of an ongoing UK housing affordability crisis, "Home@ix FAIR-Index" offers a groundbreaking perspective that transcends traditional narratives of mere supply shortages. This insightful work delves into the intricate dynamics of financial regimes, revealing how the concentration of bank credit in residential mortgage lending and the constraints of post-crisis regulatory frameworks exacerbate exclusion and limit access to homeownership. Through a comprehensive analysis, the authors introduce the Home@ix FAIR indicator-a transparent, reproducible tool designed to monitor shifts in housing affordability by focusing on access and allocation rather than just price ratios. This innovative approach highlights the critical interconnections between credit dynamics, market turnover, and the structural barriers that prevent many from entering the housing market. With a clear call for structural reform, "Home@ix FAIR-Index" challenges policymakers and stakeholders to rethink their strategies for addressing housing stress. By proposing solutions that prioritize access and inclusion, this book is essential reading for anyone invested in the future of housing in the UK. Join the conversation on how to create a more equitable housing landscape for all.