Indexhold

Indexhold: the missing rung on the housing ladder.

This book considers how housing policy can be enhanced through the introduction of an indexhold ownership structure.

In the context of the current economic problems indexholds can provide substantial social benefits;the much needed quality housing for key workers and a financial stimulus to the country’s economy.

Indexholds would increase disposable incomes and enable banks and building societies to offer value for money mortgages.

The purchase price of an indexhold home is a function of the building costs, and not the open market value. Thereby enabling the construction industry to build environmentally friendly, sustainable and well designed homes.

The provision of an indexhold rung on the property ladder would provide an aspirational incentive for individuals and families and it would offer key workers well located homes that they want to live in and are proud to own.

The indexhold ownership structure can be extended to help those in the armed forces, and locals struggling to afford a home in rural communities where prices have been driven up by buyers of second homes.

This book sets a framework for a new policy agenda and seeks to encourage debate among experts in the fields of housing, welfare, Government policy, economics, and finance.