The affordability of home ownership is a complicated and multivariant problem, with no easy or straightforward solutions. Demand-side solutions cannot work in isolation (as they often counterproductively increase house prices as a secondary effect), but supply-side solutions also are not sufficient (homebuilding cannot happen at the necessary speed to have a significant effect). While the affordability of home ownership is a challenging problem, there are some approaches which can begin to tackle this complex issue. We set these out in the remainder of our report. (Conclusion, Paragraph 28)