Unfortunately we now live in a world of low wages, higher living costs and near impossible oppurtunity to get onto the housing ladder. My idea although small could be the oppurtunity for many families to achieve their goal of becoming proud home owners and having the security that comes along with it.
Place working families with low incomes into affordable rented houses. The money is then held in low risk investment funds and a ledger of what the Tennants have paid will be kept. When they are in a position to buy their own property the money they have paid in will be returned in full as part of their deposit.
The profits from the low risk investments will then be invested in further properties to grow our housing stock. Although simple it seems nobody is doing this as greed has taken over.