The problem is still total popualation whoever they are. Councils cap on borrowing should be set at zero. they should leave it to other people to deal with housing. A major part of the problem has been councils building houses of a standard that were beyond the occcupants abbility to service the cost. Private developers should be allowed to build flats like the mass housing in Hong Kong or China. Very basic one or two room properties at rock bottom rents with no subsidies or grants. really affordable homes, and withdraw all the housing grants, subsidies, allowances etc. etc.