From principle to practice
Five proposals show how a Location Value Covenant could address recognisable household and government problems.
Location Value Mortgage
A voluntary, debt-free public contribution towards a home purchase, exchanged for a continuing payment linked to local rental value.
Read briefing →02Mortgage Rescue
Replacing part of distressed mortgage debt with a covenant to reduce household payments and default risk.
Read briefing →03Homeowner Pension & Equity Release
A public alternative to conventional equity release, exchanging a covenant for a regular retirement income.
Read briefing →04Paying Inheritance Tax
Settling a property-based inheritance-tax liability without an immediate forced sale or bridging loan.
Read briefing →05Property Tax Substitution
A single location-linked payment proposed as a substitute for several property-related taxes.
Read briefing →These briefings were developed over a number of years. Monetary figures and tax references illustrate the mechanism at the time of writing; they are not current quotations, calculations or personal advice.