In July 2009, the Joseph Rowntree Foundation established a taskforce to address the root causes of instability in the UK housing market. Whether in a boom or a downturn, the shortage of affordable housing hits the most vulnerable households first and worst. These Viewpoints – commissioned as part of the programme and aimed at stimulating debate – provide two different perspectives on the kinds of reforms needed to provide long-term, secure housing for those least able to afford it.