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“'Moreover, the improvement in housing affordability seen over the past two years has been only partially unwound as a result of higher market interest rates, as income growth has continued to outpace house price growth by a wide margin.' Mortgage rates have…”

“Housing, social media and technology, political ruptures, spiritual disenfranchisement, a climate crisis, the cost of living, even the instability of old institutions such as marriage and the family seem to be creaking under the pressure of the modern world.'…”

“And in some parts of the UK potential buyers are still being kept out of the housing market due to house prices being much higher than average incomes.”

“'This includes an uplift to promote housing affordability.”