Toby Lloyd

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    Understanding and adapting the land market is key to solving our housing crisis

Understanding and adapting the land market is key to solving our housing crisis

There is something profoundly wrong with our housing system: demand and prices continue to rise yet supply does not, largely due to the development process. Toby Lloyd argues that any serious attempt to address the housing crisis must include measures to change the land market, allowing those who want to build to buy land at a low cost.
Buy land. […]

We need to break out of the vicious land market trap and deliver more homes more cheaply

To solve the UK’s housing crises we need more genuinely affordable options. Toby Lloyd investigates the challenges and suggests a solution which will meet people’s need for a decent home and enable the development industry to move to a higher output equilibrium. As a nation, we desperately need more homes for people to live in. We’ve been running a massive […]

November 19th, 2013|Toby Lloyd|8 Comments|

Why the government’s Help to Buy scheme won’t reach the right people

The government’s Help to Buy scheme intends to boost homeownership by reducing the down payment required. Analysis by Robbie de Santos and Toby Lloyd of Shelter, also detailed in a report launched today, shows that overall affordability is a bigger problem than the big deposits required by mortgage lenders. Easy finance into a supply constrained market can only boost up house prices, pushing them […]