New 95% mortgage policy will make homeownership even more unaffordable

The announcement of the 95% mortgage in this week’s budget may have initially sounded like good news for those in “generation rent” who have struggled for years to get onto the housing ladder. However, Lizzie Simpson, IF Researcher, explains why this policy is likely to make homeownership increasingly unachievable for young people in the longer… Read more »

Homeownership denied: an intergenerational injustice

There is real concern that the younger generation will have a lower standard of living than their parents – which violates a key principle of intergenerational fairness. One issue at the centre of this concern is housing. IF supporter Rosie Neville sees it from her perspective and offers some solutions

Does the planning white paper really help first-time buyers?

The government has recently consulted the public on their wide-ranging set of proposed reforms to the planning system in England, which, they argue, will reduce delays and uncertainty for developers and enable more new homes to be built for first-time-buyers. David Kingman explains IF’s position on whether these reforms go far enough to really make… Read more »

To a graduate of 2020 from a graduate of 2009

Creative writing can be a tool to release anxiety, find clarity and share perspectives on difficult issues. IF supporter Josephine Robertson, a graduate of 2009, writes an empathetic letter to new graduates on intergenerational legacy and adjusting expectations. Focusing on these revised expectations, and having an empathetic listening ear between generations, may yet deliver fulfilment… Read more »

Room to breathe? How the COVID-19 lockdown highlights age inequalities in living space

The draconian social-distancing rules which are now in the place in the UK are forcing people to remain indoors most of the time, a restriction which is likely to be much harder to bear for young families living in overcrowded conditions, argues David Kingman At first glance, it could seem as though almost every household… Read more »