From principle to practice
These proposals show how Location Value Covenants could address household, fiscal and monetary-policy problems.
The following briefings apply the same voluntary covenant mechanism to home purchase, mortgage distress, retirement income, inheritance tax, property-tax reform, wider property-related investment and new-home construction. The monetary-stability briefing sets out a potentially important national merit: replacing part of bank-created mortgage credit with long-term public funding drawn from existing savings.
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 →02Location Value Mortgage 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 →06New Home Covenant
Funding part of a newly built home’s price in exchange for a continuing covenant, reducing the purchaser’s mortgage while paying the builder in full.
Read briefing →07Wider Property Investment and Support
Financing property improvements, infrastructure, business premises and major property-related liabilities through reciprocal Location Value Covenant agreements.
Read briefing →08Monetary Stability & Inflation Control
A strategic national merit: less bank-created mortgage credit, lower household leverage and a potential brake on property-driven inflation.
Read briefing →09Family Farm Covenant
Settling agricultural inheritance tax and financing farm investment without forcing the sale or break-up of a viable working farm.
Read briefing →10Tenant and Rental Covenant
A voluntary agreement through which capital, refinancing, works or services are exchanged for an LVC and enforceable improvements to the tenant's position.
Read briefing →11Brownfield Land Covenant
Financing remediation and enabling works on brownfield land without taxing the buildings, improvements or productive activity subsequently created there.
Read briefing →12Empty Homes Covenant
Voluntary capital, repairs and practical support for empty-home owners in exchange for an LVC and a binding commitment to sell, let or occupy the home.
Read briefing →Monetary figures and tax references illustrate the mechanism at the time of writing; they are not current quotations, calculations or personal advice.