The document contains a round-up of evidence and opinion concerning the asset value of owner occupied homes. It is based on a wide range of recent literature, but is offered primarily as a ‘think-piece’. It is therefore selective rather than exhaustive; suggestive rather than definitive;
provocative rather than prescriptive. It provides an account of the changing character of home ownership in Britain, paying particular attention to the individual and systemic risks that may
be associated with this.