There is so much wrong with our housing system, from needless homelessness to spiralling costs (which have shut a generation out of housing) to over-mortgaged homeowners struggling financially to the sheer environmental inefficiency of much of the housing we build to the failure to build homes how and where communities need rather than where a developer can make most money.

The 2040 “Vision” document sets out aspirations. The overall message, that a good home and community, as a human right, is a font of wellbeing, rather than an outcome of wealth-creation, is very welcome. The following suggests the levers necessary to deliver this and its associated aspirations. It also notes the places where associated policy initiatives and campaigns are advancing.

The proposals cover a wide range of policy areas including: Existing buildings, land and planning, regeneration, finance, leadership, diversification, technology and materials, and tax and wealth.

This paper presents a model for building an unlimited number of houses for social rent on a zero-subsidy basis using the Scottish National Investment Bank.

These houses would be built to extremely high standards of thermal efficiency and on a stable finance model ensuring costs to the tenant are far lower than the private market.

The case is made that this model could be used as a post-pandemic stimulus scheme which will reform and secure the housing and construction sector.