Is the UK housing crisis about to get a lot worse??

There’s something deeply broken in our housing market — and unfortunately, current government policy may be making things worse, not better.

🔹 Lloyds Banking Group recently announced plans to become one of the UK’s largest landlords by buying 50,000 homes by 2030. That’s just five years away.

🔹 At the same time, BlackRock is funding the construction of large-scale housing developments across the UK — but these homes are for rent only. Buying is not an option.

This is the reality of “stakeholder capitalism”: government-backed initiatives where big corporations, not local authorities, take control of housing supply. Unlike traditional social housing, which aimed to support the most vulnerable, this new model risks concentrating ownership in the hands of multinational companies — with guaranteed rent increases (see the new Renter’s Bill) and limited opportunities for individuals to get onto the property ladder.

The result? House prices and rents continue to climb, shutting more people out of home ownership.

🔗 Read more here

At Pecunia Financial Planning, we believe individuals and families need clear strategies to navigate this changing housing and investment landscape. If you’re worried about how these shifts might affect your financial future — whether that’s buying your first home, investing, or planning for retirement — let’s talk.