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.

Initial rents should be set against a points system to reflect the value of the property. Rent increases be capped at a rent affordability index to ensure increases do not push tenants into hardship. A move towards indefinite tenancies as default, away from short-term contracts. Ensure that all tenants are entitled to a hardship defence in relation to evictions. Create a Scottish Living Rent Commission, to oversee these recommendations and to serve as a centre of expertise for the Scottish Private Rental Sector.

Good housing needs more than good housing policy: housing policy needs to be part of wider social changes towards a more equal, community-centred, environmentally sustainable society, but good housing policy can make an important contribution to those changes. Economic considerations remain key, but we need to transcend the destructive veneration of GDP.

This paper outlines a radically different approach to housing policy. It also looks at immediate improvements that will be steps on the way to more fundamental transformation.

The United Kingdom’s housing policies have been ideologically-driven, and have led to the current crisis of strangled investment, under-provision and a general flow of power and money from civic society to the wealthy. UK housing has suffered greatly from its politicians’ fixation with a single form of home and tenure, the mortgage-backed and privately-owned home.

Resilient Recovery. We must emerge from the Covid pandemic in a way that fixes the problems raised by the crisis, fixes the problems evident before the crisis and makes us resilient; a green new deal; a new democracy; a national care service; Land reform; housing revolution; Controlling our own energy; better banking; and a focus on independence,.to future crisis like the climate emergency.