How can homeownership be a progressive policy? Rethinking affordability, finance, and the politics of housing

Housing affordability is one of the most defining challenges in advanced economies, deepening class and generational divides. This brief argues that homeownership is only progressive if it is affordable, accessible, and non-speculative. Analysing the impact of mortgage regimes and the strength of public/non-profit housing, it proposes treating housing as vital infrastructure. Key reforms include expanding cooperative provision, reforming finance systems, and reframing housing as a public good. Success requires state capacity to deliver at scale. Reclaiming housing is a political necessity to rebuild trust among low- and middle-income voters.