it is worth recalling that the following incentives to property speculation have been introduced by various governments since 1990. Abolish Land Tax, abolish Stamp Duty, allow investors to write off rental loses against other income and receive a tax refund through a qualifying company, decline to tax the capital gain that pops out when the property is sold, accelerate depreciation write offs (repealed a few years ago, after the horse had well and truly bolted). My point is, yes there is one, is that successive governments have left affordable housing development largely to the private market by providing these incentives, but it has not worked for a number of reasons and now we see the mess we are in. No policy suggestion here, but important to learn from previous mistakes when thinking about future policy.