10. Discuss the intentions and impact of policies for home ownership since 1979.
11: HOUSING
• Up to the 1970s housing policy was an integral part of the classic welfare state
• With the triumph of private homeownership, government housing policy has all but disappeared,
• broken up into a series of separate measures concerned with
privatisation
‘affordability’ (rents, mortgages and house prices)
regeneration (raising quality)
homelessness
Governments in 70s got complacent about housing needs because of
• popularity of home ownership
• success in clearing slums and
• achieving social minimum standards for the majority
But today:
• 600,000 households are overcrowded
• housing wealth more polarised than ever
• councils accepted over 57,000 families as homeless in 2008
• 67,000 families in temporary accommodation at the end of 2008
• estimated need for 240,000 new homes a year, but only 80,000 starts this year
• shortage of supply pushes up rents and house prices
Tenure - socio-legal relations involved in housing consumption; major tenures are: • home ownership, owner occupation (oo)
• private rental (pr)
• social rental: non-profit, public subsidy
council (ch)
housing association (ha)
% UK oo ch ha pr
1900 10 1 89
1953 32 18 50
1981 58 29 2 11
1992 66 21 3 10
2006 70 10 8 11
see Lloyd (2009) Figure 4 % oo’s falling since 2005 for first time ever The idea of ‘housing policy ' now problematic
– ‘wobbly pillar’ of the welfare state:
• Over 80% of housing in Britain is financed and consumed in the ‘private ' sectors (owner occupation or private renting) and almost all house construction and maintenance is carried out privately
• housing policy is secondary to the power of markets and private interests in the housing system, and this has always