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[1]  Consumer Prices Index including owner occupiers’ housing costs (CPIH) is a measure of inflation calculated as the weighted average price of a nationally representative ‘basket’ of consumer goods and services and the expenditures associated with owning, maintaining and living in one’s own home.

[2]  RHDI is adjusted for inflation by dividing gross disposable household income (GDHI) by a price index produced by dividing current price household final consumption expenditure (HHFCE) by total chained volume measure household final consumption. For a detailed explanation of how RHDI is calculated, please see Sector accounts team, ‘Understanding real household disposable income per head’, Office for National Statistics, 7 November 2025 <https://www.ons.gov.uk/economy/nationalaccounts/uksectoraccounts/articles/understandingrealhouseholddisposableincomeperhead/2025-11-07> [accessed 2 February 2026].

[3]  World Bank, ’GDP per capita (current US$) – United Kingdom’, World Bank Group, 2025 <https://data.worldbank.org/indicator/NY.GDP.PCAP.CD?locations=GB> [accessed 21 November 2025].

[4]  Trade Union Congress, ‘Pay packets worth less than 2008 in nearly two-thirds of UK local authorities – TUC analysis reveals’, TUC, 29 April 2024 <https://www.tuc.org.uk/news/pay-packets-worth-less-2008-nearly-two-thirds-uk-local-authorities-tuc-analysis-reveals> [accessed 4 November 2025].

[5]  Stephen Machin, ‘Real wages, inequality and living standards’, London School of Economics and Political Science, July 2024 <https://cep.lse.ac.uk/pubs/download/ea066.pdf> [accessed 4 November 2025]; Office for National Statistics, ‘AWE: Whole Economy Real Terms Level (£): Seasonally Adjusted Total Pay’, Office for National Statistics, 11 November 2025 <https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours/timeseries/a3wx/emp> [accessed 21 November 2025].

[6]  Ibid.

[7]  Resolution Foundation, ‘Government right to put rising living standards at the heart of its agenda’, Resolution Foundation, 5 December 2024 <https://www.resolutionfoundation.org/press-releases/government-right-to-put-rising-living-standards-at-the-heart-of-its-agenda/> [accessed 4 November 2025].

[8]  HM Treasury, ‘Budget 2025’, GOV.UK, 28 November 2025 <https://www.gov.uk/government/publications/budget-2025-document/budget-2025-html> [accessed 23 November 2026].

[9]  Questions for Treasury, ‘Personal Income: Budget October 2024’, UK Parliament, 25 November 2024 <https://questions-statements.parliament.uk/written-questions/detail/2024-11-25/15913/> [accessed 4 November 2025].

[10]  HM Treasury, ‘Budget 2025’, GOV.UK, 28 November 2025 <https://www.gov.uk/government/publications/budget-2025-document/budget-2025-html> [accessed 23 November 2026].

[11]  ‘Housing’ includes Council Tax payments, domestic rates in Northern Ireland, mortgage interest payments and mortgage protection premia. ‘Housing (net)’, on the other hand, includes net rent, house maintenance and other regular housing payments, such as service charges. The reason for the ONS using a classification that is so confusing is the United Nations having introduced it in their Classification of Individual Consumption According to Purpose (COICOP) paper.

[12]  Office for National Statistics, ‘Family spending in the UK: April 2023 to March 2024’, Office for National Statistics, 10 September 2025 <https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/expenditure/bulletins/familyspendingintheuk/april2023tomarch2024> [accessed 13 February 2026].

[13]  Department for Energy Security and Net Zero, ‘Average annual domestic gas bills by various consumption levels (QEP 2.3.5)’, GOV.UK, 31 July 2025 <https://www.gov.uk/government/statistical-data-sets/annual-domestic-energy-price-statistics> [accessed 21 November 2025].

[14]  Department for Energy Security and Net Zero, ‘Average annual domestic electricity bills by various consumption levels (QEP 2.2.5)’, GOV.UK, 31 July 2025 <https://www.gov.uk/government/statistical-data-sets/annual-domestic-energy-price-statistics> [accessed 21 November 2025].

[15]  Paul Bolton, ‘Gas and electricity prices during the ‘energy crisis’ and beyond’, House of Commons Library, 8 September 2025 <https://commonslibrary.parliament.uk/research-briefings/cbp-9714/> [accessed 3 February 2026].

[16]  Calculated using Office for National Statistics, ‘CPI INDEX 00: ALL ITEMS 2015=100’, Office for National Statistics, 19 November 2025 <https://www.ons.gov.uk/economy/inflationandpriceindices/timeseries/d7bt/mm23> [accessed 3 February 2026] with January 2022 as base.

[17]  Office for National Statistics, ‘Public Opinions and Social Trends Great Britain: Household Finances’, Office for National Statistics, 20 February 2026 <https://www.ons.gov.uk/peoplepopulationandcommunity/wellbeing/datasets/publicopinionsandsocialtrendsgreatbritainhouseholdfinances> [accessed 13 February 2026].

[18]  Fiona Rasanga et al., ‘Measuring the energy poverty premium in Great Britain and identifying its main drivers based on longitudinal household survey data’, Energy Economics, 136 (2024), pp. 1-16 (p. 2), doi:10.1016/j.eneco.2024.107726.

[19]  Office for National Statistics, ‘Family spending workbook 1: detailed expenditure and trends’, Office for National Statistics, 10 September 2025 <https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/expenditure/datasets/familyspendingworkbook1detailedexpenditureandtrends> [accessed 4 November 2025].

[20]  Ibid.

[21]  Ministry of Housing, Communities and Local Government, ‘English Housing Survey 2023 to 2024: experiences of the ‘housing crisis’’, GOV.UK, 15 May 2025 <https://www.gov.uk/government/statistics/english-housing-survey-2023-to-2024-experiences-of-the-housing-crisis/english-housing-survey-2023-to-2024-experiences-of-the-housing-crisis> [accessed 15 October 2025].

[22]  Ibid.

[23]  Ministry of Housing, Communities and Local Government, ’Accredited official statistics: Chapter 1: Profile of households and dwellings’, GOV.UK, 28 November 2024 <https://www.gov.uk/government/statistics/chapters-for-english-housing-survey-2023-to-2024-headline-findings-on-demographics-and-household-resilience/chapter-1-profile-of-households-and-dwellings> [accessed 21 November 2025].

[24]  Ibid.

[25]  Jonathan Cribb, Tom Wernham and Xiaowei Xu, ‘Housing costs take up three-and-a-half times as much of the budgets of the poor as of the rich, with significant implications for their standard of living’, Institute for Fiscal Studies, 17 November 2023 <https://ifs.org.uk/news/housing-costs-take-three-and-half-times-much-budgets-poor-rich-significant-implications-their> [accessed 4 November 2025].

[26]  Public Policy and Social Insights team, ‘Public Opinions and Social Trends Great Britain: Household’, Office for National Statistics, 20 February 2026 <https://www.ons.gov.uk/peoplepopulationandcommunity/wellbeing/datasets/publicopinionsandsocialtrendsgreatbritainhouseholdfinances> [accessed 20 February 2026].

[27]  Molly Broome et al., ‘An intergenerational audit for the UK: 2023’, Resolution Foundation, November 2023 <https://www.resolutionfoundation.org/app/uploads/2023/11/An-intergenerational-audit-for-the-UK-2023.pdf> [accessed 4 November 2025], p. 7.

[28]  Keir Starmer, ‘PM speech on Plan for Change: 5 December 2024’, GOV.UK, 5 December 2024 <https://www.gov.uk/government/speeches/pm-s/peech-on-plan-for-change-5-december-2024> [accessed 4 November 2025].

[29]  Office for Budget Responsibility, ‘Economic and fiscal outlook – November 2025’, OBR, 26 November 2025 <https://obr.uk/economic-and-fiscal-outlooks/#chapter-1> [accessed 23 February 2026].

[30]  Becky Milne et al., ‘Starmer’s missed milestone? The outlook for living standards at the Spring Statement’, Joseph Rowntree Foundation, 22 March 2025 <https://www.jrf.org.uk/cost-of-living/starmers-missed-milestone-the-outlook-for-living-standards-at-the-spring-statement> [accessed 4 November 2025].

[31]  Ibid.

[32]  Ibid.

[33]  Adam Corlett, ‘The Living Standards Outlook 2025’, Resolution Foundation, June 2025 <https://www.resolutionfoundation.org/app/uploads/2025/06/LivingStandardsOutlook2025.pdf> [accessed 4 November 2025], p. 3.

[34]  See, for example, OECD, ‘Government spending per capita’, Our World in Data, 30 June 2025 <https://ourworldindata.org/grapher/total-gov-expenditure-percapita-oecd> [accessed 3 February 2026].

[35]  Department for Work and Pensions, ‘Households Below Average Income: an analysis of the UK income distribution: FYE 1995 to FYE 2024’, GOV.UK, 28 May 2025 <https://www.gov.uk/government/statistics/households-below-average-income-for-financial-years-ending-1995-to-2024/households-below-average-income-an-analysis-of-the-uk-income-distribution-fye-1995-to-fye-2024> [accessed 3 February 2026].

[36]  Organisation for Economic Cooperation and Development, ‘Under Pressure: The Squeezed Middle Class’, OECD, 1 May 2019 <https://www.oecd.org/en/publications/2019/05/under-pressure-the-squeezed-middle-class_f3fa7167.html> [accessed 4 November 2025].

[37]  Richard Tonkin, ‘The Distribution of Household Income Consumption and Savings, an OECD study’, Office for National Statistics, 30 November 2015 <https://www.ons.gov.uk/economy/nationalaccounts/uksectoraccounts/articles/thedistributionofhouseholdincomeconsumptionandsavingsanoecdstudy/2015-11-30> [accessed 4 November 2025].

[38]  Office for National Statistics, ‘Effects of taxes and benefits on UK household income: financial year ending 2024’, ONS, 25 September 2025 <https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/incomeandwealth/bulletins/theeffectsoftaxesandbenefitsonhouseholdincome/2024#glossary> [accessed 5 November 2025]; Office for National Statistics, ‘Average household income, UK: Financial Year Ending 2024’, ONS, 2 May 2025 <https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/incomeandwealth/bulletins/householddisposableincomeandinequality/financialyearending2024> [accessed 5 November 2025].

[39]  The Health Foundation, ‘Problem debt and health’, The Health Foundation, 11 December 2024 <https://www.health.org.uk/evidence-hub/money/problem-debt-and-health> [accessed 20 February 2026].

[40]  Alfie Stirling and Rachelle Earwaker, ‘The Cost of Debt for Low-Income Households in the Cost of Living Crisis’, Joseph Rowntree Foundation, 31 July 2023 <https://www.jrf.org.uk/cost-of-living/the-cost-of-debt-for-low-income-households-in-the-cost-of-living-crisis> [accessed 3 February 2026].

[41]  Adam Corlett, ‘The Living Standards Outlook 2025’, Resolution Foundation, June 2025 <https://www.resolutionfoundation.org/app/uploads/2025/06/LivingStandardsOutlook2025.pdf> [accessed 4 November 2025], p. 3.

[42]  The Food Foundation, ‘Food Insecurity Tracking’, TFF, July 2025 <https://foodfoundation.org.uk/initiatives/food-insecurity-tracking> [accessed 3 February 2026].

[43]  Ibid.

[44]  Ibid.

[45]  Quality of life team, ‘Quarterly personal well-being estimates – non-seasonally adjusted’, Office for National Statistics, 28 November 2025 <https://www.ons.gov.uk/peoplepopulationandcommunity/wellbeing/datasets/quarterlypersonalwellbeingestimatesnonseasonallyadjusted> [accessed 3 February 2026].

[46]  Jamie Evans et al., ‘The Financial Wellbeing of UK households’, University of Bristol, June 2025 <https://www.bristol.ac.uk/media-library/sites/geography/pfrc/documents/Financial_fairness_tracker_W12_June2025.pdf> [accessed 4 November 2025].

[47]  Nik Ahmad and Sufian Burhan, ‘Examining the relationship between income and both mental and physical health among adults in the UK: Analysis of 12 waves (2009-2022) of Understanding Society’, National Library of Medicine, 6 March 2025 <https://pmc.ncbi.nlm.nih.gov/articles/PMC11884696/> [accessed 4 November 2025].

[48]  Ali Pourmotabbed et al., ‘Food insecurity and mental health: a systematic review and meta-analysis’, Public Health Nutrition, 23.10 (2020), pp. 1778-90, doi:10.1017/S136898001900435X.

[49]  National Debtline, ‘People in debt more than twice as likely to report very poor mental health, new research reveals’, Money Advice Trust, 12 May 2025 <https://moneyadvicetrust.org/latest-news/people-in-debt-more-than-twice-as-likely-to-report-very-poor-mental-health-new-research-reveals/> [accessed 3 February 2026].

[50]  Brigid Francis-Devine, ‘Poverty in the UK: statistics’, House of Commons Library, 4 April 2025 <https://commonslibrary.parliament.uk/research-briefings/sn07096/> [accessed 4 November 2025].

[51]  Centre for Research in Social Policy, ‘The Minimum Income Standard for the United Kingdom’, CRSP, 3 June 2021 <https://www.lboro.ac.uk/research/crsp/minimum-income-standard/> [accessed 4 November 2025].

[52]  Elaine Robinson, Juliet Stone and Matt Padley, ‘Households below a minimum income standard: 2008-2023’, Resolution Foundation, 19 February 2025 <https://www.jrf.org.uk/households-living-below-a-minimum-income-standard-2008-2023> [accessed 4 November 2025].

[53]  Resolution Foundation, ‘Home ownership is rising for young millennials – but the divide between rich and poor is widening’, Resolution Foundation, 20 December 2024 <https://www.resolutionfoundation.org/press-releases/home-ownership-rising-for-young-millennials/> [accessed 4 November 2025].

[54]  Molly Broome et al., ‘An intergenerational audit for the UK: 2023, Resolution Foundation, November 2023 <https://www.resolutionfoundation.org/app/uploads/2023/11/An-intergenerational-audit-for-the-UK-2023.pdf> [accessed 4 November 2025], p. 10.

[55]  Bartek Staniszewski, ’Having a family is becoming an unaffordable luxury’, The Guardian, 24 March 2023 <https://www.theguardian.com/society/2023/mar/24/having-a-family-is-becoming-an-unaffordable-luxury> [accessed 4 November 2025].

[56]  Population Health Monitoring Group, ‘Births in England and Wales: 2024 (refreshed populations)’, Office for National Statistics, 27 August 2025 <https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/livebirths/bulletins/birthsummarytablesenglandandwales/2024refreshedpopulations> [accessed 3 February 2026].

[57]  Bartek Staniszewski, ’Having a family is becoming an unaffordable luxury’, The Guardian, 24 March 2023 <https://www.theguardian.com/society/2023/mar/24/having-a-family-is-becoming-an-unaffordable-luxury> [accessed 4 November 2025].

[58]  John Curtice, Alex Scholes and Aisha Chabdu, ‘BSA 42 | Britain’s democracy: A health check’, National Centre for Social Research, June 2025 <https://natcen.ac.uk/sites/default/files/2025-06/bsa-42-%7C-britain%26%23039%3Bs-democracy-1661.pdf>, [accessed 4 November 2025], p. 23.

[59]  National Centre for Social Research, ‘Trust and confidence in Britain’s system of government at record low’, NCSR, 12 June 2024 <https://natcen.ac.uk/news/trust-and-confidence-britains-system-government-record-low> [accessed 4 November 2025].

[60]  Ibid.

[61]  Edelman Trust Institute, ‘2025 Edelman Trust Barometer’, ETI, 2025 <https://www.edelman.co.uk/sites/g/files/aatuss301/files/2025-01/2025%20Edelman%20Trust%20Barometer_UK%20Report.pdf> [accessed 4 November 2025].

[62]  Rafaela Dancygier et al., ‘Emigration and radical right populism’, American Journal of Political Science, 69.1 (2024), pp. 252-267, doi:10.1111/ajps.12852.

[63]  See, for example, John Curtice, ‘Sir John Curtice: The map that shows Reform’s triumph was much more than a protest vote’, BBC News, 4 May 2025 <https://www.bbc.co.uk/news/articles/c5yg467m8mjo> [accessed 4 November 2025]; or Jonathan Vincent, ‘In charts: Reform stands to gain in England’s ‘left behind’ areas’, Financial Times, 15 May 2025 <https://www.ft.com/content/d1aa75a2-ce2b-4e1b-8783-77a34b80dd3c> [accessed 4 November 2025].

[64]  Richard Partington, ‘They feel betrayed’: how Reform UK is targeting voters in Britain’s manufacturing heartlands’, The Guardian, 21 June 2025 <https://www.theguardian.com/business/2025/jun/21/they-feel-betrayed-how-reform-uk-is-targeting-votes-in-britains-manufacturing-heartlands> [accessed 4 November 2025].

[65]  John Curtice, ‘Sir John Curtice: The map that shows Reform’s triumph was much more than a protest vote’, BBC News, 4 May 2025 <https://www.bbc.co.uk/news/articles/c5yg467m8mjo> [accessed 4 November 2025]; Staffordshire County Council, ‘Election results for Cannock Chase – Chadsmoor’, SCC, 1 May 2025 <https://staffordshire.moderngov.co.uk/mgElectionAreaResults.aspx?ID=486> [accessed 4 November 2025].

[66]  Admin and Modelled Income Estimates team, ‘Income estimates for small areas, England and Wales: financial year ending 2023’, Office for National Statistics, 10 December 2025 <https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/incomeandwealth/bulletins/smallareamodelbasedincomeestimates/financialyearending2023> [accessed 3 February 2026]. Calculations based on disposable net income after housing costs.

[67]  Katja Hoyer, ‘What’s ‘wrong’ with east Germany? Look to its long neglect by the wealthy west’, The Guardian, 7 March 2024 <https://www.theguardian.com/commentisfree/2024/mar/07/east-germany-west-far-right-afd-gdr> [accessed 4 November 2025].

[68]  Helen Livingstone, Maya Yang and Jakub Krupa, ‘FDP leader resigns after German election result – as it happened’, The Guardian, 24 February 2025 <https://www.theguardian.com/world/live/2025/feb/23/german-election-live-olaf-scholz-alice-weidel-afd-friedrich-merz-germany-latest-news> [accessed 4 November 2025].

[69]  Bartek Staniszewski, William Prescott, Joe Harrison and Ryan Shorthouse, ‘The right road: the future of the European centre-right’, Bright Blue, June 2025 <https://www.brightblue.org.uk/portfolio/right-road/> [accessed 4 November 2025].

[70]  Yameen Huq, ‘Is Abundance Based?’, LiberalCurrents, 15 May 2025 <https://www.liberalcurrents.com/is-abundance-based/> [accessed 4 November 2025].

[71]  Zaynah Janan and Simon Pittaway, ‘Whose price is it anyway? Comparing the spending power of low-to-middle income families in Britain and abroad’, Resolution Foundation, 13 January 2025 <https://www.resolutionfoundation.org/app/uploads/2025/01/Whose-price-is-it-anyway.pdf> [accessed 8 October], p. 1.

[72]  Kemi Badenoch, ‘Kemi delivers a speech at FTSE250+ conference’, Conservatives, 12 June 2025 <https://www.conservatives.com/news/kemi-delivers-a-speech-at-ftse250-conference> [accessed 10 February 2026].

[73]  National Infrastructure Commission, ’National Infrastructure Progress Review 2024’, NIC, 2024 <https://nic.org.uk/app/uploads/NIC-IPR-2024-Final.pdf> [accessed 2 July 2025].

[74]  For example, see Sophie Metcalfe, ‘From the ground up’, Institute for Government, August 2024 <https://www.instituteforgovernment.org.uk/sites/default/files/2024-08/How-government-can-build-more-homes_0.pdf> [accessed 4 November 2025].

[75]  Centre for Policy Studies, ‘UK housing gap stands at 6.5 million homes, finds CPS’, CPS, 1 July 2025 <https://cps.org.uk/media/post/2025/uk-housing-gap-stands-6-5-million-homes-finds-cps/> [accessed 8 October 2025].

[76]  Oliver Letwin, ‘Independent Review of Build Out: Final Report’, Ministry of Housing, Communities and Local Government, October 2018 <https://assets.publishing.service.gov.uk/media/5bd6eb3940f0b6051e77b6a6/Letwin_review_web_version.pdf> [accessed 8 October 2025].

[77]  Ministry of Housing, Communities and Local Government, ‘Social housing lettings in England, tenants: April 2023 to March 2024’, GOV.UK, 5 February 2025 <https://www.gov.uk/government/statistics/social-housing-lettings-in-england-april-2023-to-march-2024/social-housing-lettings-in-england-tenants-april-2023-to-march-2024> [accessed 8 October 2025].

[78]  Organisation for Economic Co-operation and Development, ‘OECD Affordable Housing Database’, OECD, 2020 <https://www.compareyourcountry.org/housing/en/3/all/default> [accessed 8 October 2025].

[79]  The remaining households own their homes outright. Ministry of Housing, Communities and Local Government, ‘Annex tables for English Housing Survey 2023 to 2024 headline findings on demographics and household’, GOV.UK, 28 November 2024 <https://assets.publishing.service.gov.uk/media/67459d3ecdd295aea8809890/2023-24_EHS_Headline_Report_Chapter_1_Profile_of_households_and_dwellings_Annex_Tables.ods> [Accessed 4 November 2025].

[80]  Ibid.

[81]  Esperanza Vera-Toscano et al., ‘The rural–urban poverty gap in England after the 2008 financial crisis: exploring the effects of budgetary cuts and welfare reforms’, Regional Studies, 58.6 (2024), pp. 1264-1281, doi:10.1080/00343404.2023.2235374.

[82]  London Councils, ‘London’s social housing waiting lists reach 10-year high’, London Councils, 22 January 2025 <https://www.londoncouncils.gov.uk/news-and-press-releases/2025/londons-social-housing-waiting-lists-reach-10-year-high> [accessed 8 October 2025].

[83]  Ministry of Housing, Communities and Local Government, ‘Housing supply: indicators of new supply, England: January to March 2025’, GOV.UK, 20 June 2025 <https://www.gov.uk/government/statistics/housing-supply-indicators-of-new-supply-england-january-to-march-2025/housing-supply-indicators-of-new-supply-england-january-to-march-2025> [accessed 8 October 2025].

[84]  Ministry of Housing, Communities and Local Government, ’Tables 1006 to 1008: additional affordable homes completions by tenure and local authority, England‘, GOV.UK, 20 November 2025 <https://www.gov.uk/government/statistical-data-sets/live-tables-on-affordable-housing-supply> [accessed 25 November 2025].

[85]  Ministry of Housing, Communities and Local Government, ‘Housing supply: indicators of new supply, England: January to March 2025’ GOV.UK, 20 June 2025 <https://www.gov.uk/government/statistics/housing-supply-indicators-of-new-supply-england-january-to-march-2025/housing-supply-indicators-of-new-supply-england-january-to-march-2025> [accessed 8 October 2025].

[86]  Ministry of Housing, Communities and Local Government, ’Affordable housing supply in England: 2024 to 2025’, GOV.UK, 20 November 2025 <https://www.gov.uk/government/statistics/affordable-housing-supply-in-england-2024-to-2025/affordable-housing-supply-in-england-2024-to-2025> [accessed 25 November 2025].

[87]  Molior London, ‘Residential Development in London: Q3 2025’, Molior, 2025 <https://www.moliorlondon.com/media/molior-report-media-2025/10/molior-residential-development-in-london-q3-2025-v3.pdf> [accessed 21 October 2025].

[88]  Ministry of Housing, Communities and Local Government, ‘Housing supply: indicators of new supply, England: January to March 2025’ GOV.UK, 20 June 2025 <https://www.gov.uk/government/statistics/housing-supply-indicators-of-new-supply-england-january-to-march-2025/housing-supply-indicators-of-new-supply-england-january-to-march-2025> [accessed 8 October 2025].

[89]  Home Builders Federation, ‘Mind the Gap: Examining London’s housing shortfall’, HBF, September 2025 <https://www.hbf.co.uk/documents/14913/Mind_the_Gap_Examining_Londons_housing_shortfall.pdf> [accessed 21 October 2025], p. 15.

[90]  Susana Mendonça and Adriana Elgueta, ‘Affordable housing quota for London falls to 20%’, BBC News, 23 October 2025 <https://www.bbc.co.uk/news/articles/cdrzgxj37d5o>

[91]  Oliver Gill, ‘Sadiq Khan blocks reboot of London housebuilding’, The Times, 14 February 2026 <https://www.thetimes.com/business/companies-markets/article/sadiq-khan-blocks-reboot-of-london-housebuilding-qljmnm7k0> [accessed 20 February 2026].

[92]  The Housing Forum, ‘The Cost of Building a House’, The Housing Forum, 30 September 2024 <https://housingforum.org.uk/reports/key-publications/the-cost-of-building-a-house/> [accessed 20 February 2026].

[93]  Amine Gomri et al., ‘Ville de Paris : un portrait de ses habitants’, INSEE, 31 October 2024 <https://www.insee.fr/fr/statistiques/8274695> [accessed 8 October 2025].

[94]  Office for National Statistics, ‘Estimates of the population for England and Wales’, Office for National Statistics, 30 July 2025 <https://www.ons.gov.uk/peoplepopulationandcommunity/populationandmigration/populationestimates/datasets/estimatesofthepopulationforenglandandwales> [accessed 8 October 2025].

[95]  Ibid.

[96]  Rob Johnson, ‘What’s happening to big city density in England in five charts’, Centre for Cities, 3 April 2025 <https://www.centreforcities.org/blog/whats-happening-to-big-city-density-in-england-a-primer-in-five-charts/> [accessed 8 October 2025].

[97]  MHCLG Press Office, ‘Our Plan to Get Britain Building Again’, GOV.UK, 31 July 2024 <https://mhclgmedia.blog.gov.uk/2024/07/31/our-plan-to-get-britain-building-again/> [accessed 9 October 2025].

[98]  Ministry of Housing, Communities and Local Government, ‘Housing targets increased to get Britain building again’, GOV.UK, 30 July 2024 <https://www.gov.uk/government/news/housing-targets-increased-to-get-britain-building-again> [accessed 9 October 2025].

[99]  Steve Reed, ‘Next Phase of Planning Reform’, UK Parliament, 18 November 2025 <https://questions-statements.parliament.uk/written-statements/detail/2025-11-18/hcws1062> [accessed 4 February 2026].

[100]  Samuel Hughes, ‘Two Cheers for the Planning and Infrastructure Bill — Part Two’, ConservativeHome, 18 March 2025 <https://conservativehome.com/2025/03/18/samuel-hughes-two-cheers-for-the-planning-and-infrastructure-bill-part-two/> [accessed 20 February 2026].

[101]  Department for Levelling Up, Housing and Communities, ‘Consultation and pre‑decision matters: statutory consultees on applications’, GOV.UK, 1 April 2022 <https://www.gov.uk/guidance/consultation-and-pre-decision-matters> [accessed 13 February 2026].

[102]  Samuel Hughes, ‘Two Cheers for the Planning and Infrastructure Bill — Part Two’, ConservativeHome, 18 March 2025 <https://conservativehome.com/2025/03/18/samuel-hughes-two-cheers-for-the-planning-and-infrastructure-bill-part-two/> [accessed 20 February 2026].

[103]  Energy UK, ‘Energy UK response to reforms to the statutory consultee system’, Energy UK, 14 January 2026 <https://www.energy-uk.org.uk/publications/energy-uk-response-to-reforms-to-the-statutory-consultee-system/> [accessed 20 February 2026].

[104]  Steve Reed, ‘Next Phase of Planning Reform’, UK Parliament, 18 November 2025 <https://questions-statements.parliament.uk/written-statements/detail/2025-11-18/hcws1062> [accessed 4 February 2026].

[105]  Marian Spain, ‘Royal Assent: Natural England and the Planning and Infrastructure Act’, Natural England blog, 18 December 2025 <https://naturalengland.blog.gov.uk/2025/12/18/royal-assent-natural-england-and-the-planning-and-infrastructure-act/> [accessed 4 February 2026]
[106]  ​​Department for Environment, Food & Rural Affairs et al., ‘Implementing the Nature Restoration Fund: Nature Restoration Fund Implementation Plan’, GOV.UK, 18 December 2025 <https://www.gov.uk/government/publications/nature-restoration-fund-implementation-plan/implementing-the-nature-restoration-fund> [accessed 5 February 2026].

[107]  Will Prescott, ‘Labour has given in to the blockers on planning reform’, City AM, 13 January 2026 <https://www.cityam.com/labour-has-given-in-to-the-blockers-on-planning-reform/> [accessed 20 February 2026].

[108]  Royal Society for the Protection of Birds, ‘How do the Habitats Regulations protect our most important wildlife sites?’, RSPB, 14 November 2025 <https://www.rspb.org.uk/helping-nature/what-you-can-do/planning-for-nature-toolkit/england-planning-system/ecological-assessments/habitats-regulations/> [accessed 20 February 2026].

[109]  Department for Environment, Food & Rural Affairs, Natural England, Welsh Government and Natural Resources Wales, ‘Habitats Regulations Assessments: protecting a European site’, GOV.UK, 6 December 2023 <https://www.gov.uk/guidance/habitats-regulations-assessments-protecting-a-european-site> [accessed 20 February 2026].

[110]  Joint Nature Conservation Committee, ‘Special Areas of Conservation (SACs)’, Joint Nature Conservation Committee, undated <https://jncc.gov.uk/our-work/special-areas-of-conservation/> [accessed 20 February 2026].

[111]  Department for Levelling Up, Housing & Communities, ‘Land use statistics: England 2022’, GOV.UK, 27 October 2022 <https://www.gov.uk/government/statistics/land-use-in-england-2022/land-use-statistics-england-2022> [accessed 20 February 2026].

[112]  Bartek Staniszewski, ‘Stopping new homes is the wrong way to avoid water pollution’, ConservativeHome, 18 September 2023 <https://conservativehome.com/2023/09/18/bartek-staniszewski-stopping-new-homes-is-the-wrong-way-to-avoid-water-pollution/> [accessed 20 February 2026].

[113]  Ibid.

[114]  Edward Clarke, Dominic Bowers and Matthew Spry, ‘All aboard or stuck between stations? How the new NPPF might unlock growth around rail stations’, Lichfields, 16 December 2025 <https://lichfields.uk/blog/2025/december/16/all-aboard-or-stuck-between-stations-how-the-new-nppf-might-unlock-growth-around-rail-stations> [accessed 11 February 2026].

[115]  Sam Dumitriu, ‘Labour are finally taking the housing shortage seriously’, Notes on Growth, 17 December 2025 <https://www.samdumitriu.com/p/labour-are-finally-taking-the-housing> [accessed 11 February 2026].

[116]  Helen Briggs and Jonah Fisher, ‘Government rolls back nature protections to boost housing’, BBC, 16 December 2025 <https://www.bbc.com/news/articles/c3r7zp418p8o> [accessed 11 February 2026].

[117]  Local Government Association, ‘Biodiversity Net Gain FAQs’, LGA, undated <https://www.local.gov.uk/pas/events/past-events/biodiversity-net-gain-local-authorities/biodiversity-net-gain-faqs> [accessed 20 February 2026]; Home Builders Federation, ‘Viewpoint: Biodiversity Net Gain – How will the new changes affect small developers?’, HBF, 11 July 2025 <https://www.hbf.co.uk/news/viewpoint-biodiversity-net-gain-how-will-the-new-changes-affect-small-developers/> [accessed 20 February 2026].

[118]  Home Builders Federation, ‘New Environmental Law Increasing Pressure on Overstretched Council Planning Departments’, HBF, 2 April 2025 <https://www.hbf.co.uk/news/new-environmental-law-increasing-pressure-on-overstretched-council-planning-departments/> [accessed 18 August 2025].

[119]  Ibid.

[120]  Sam Dumitriu, ‘Labour are finally taking the housing shortage seriously’, Notes on Growth, 17 December 2025 <https://www.samdumitriu.com/p/labour-are-finally-taking-the-housing> [accessed 11 February 2026].

[121]  Ministry of Housing, Communities and Local Government, ‘Proposed reforms to the National Planning Policy Framework and other changes to the planning system’, GOV.UK, December 2025 <https://assets.publishing.service.gov.uk/media/697b6bc6aacd0dc9777b4fd2/December_2025_NPPF_Consultation.pdf> [accessed 11 February 2026], p. 24.

[122]  Michael Hill, ‘Anatomy of a Planning Refusal’, Notes on Growth, 4 February 2026 <https://www.samdumitriu.com/p/anatomy-of-a-planning-refusal> [accessed 11 February 2026].

[123]  Sam Dumitriu, ‘Labour are finally taking the housing shortage seriously’, Notes on Growth, 17 December 2025 <https://www.samdumitriu.com/p/labour-are-finally-taking-the-housing> [accessed 11 February 2026].

[124]  Ministry of Housing, Communities and Local Government, ‘Proposed reforms to the National Planning Policy Framework and other changes to the planning system’, GOV.UK, December 2025 <https://assets.publishing.service.gov.uk/media/697b6bc6aacd0dc9777b4fd2/December_2025_NPPF_Consultation.pdf> [accessed 11 February 2026], p. 24.

[125]  Ministry of Housing, Communities and Local Government, ‘Expert Taskforce recommends locations for new towns’, GOV.UK, 28 September 2025 <https://www.gov.uk/government/news/expert-taskforce-recommends-locations-for-new-towns> [accessed 11 February 2026].

[126]  Bartek Staniszewski, ‘The housing crisis won’t be tackled unless we build on the green belt’, The Yorkshire Post, 28 November 2023 <https://www.yorkshirepost.co.uk/news/opinion/columnists/the-housing-crisis-wont-be-tackled-unless-we-build-on-the-green-belt-bartek-staniszewski-4420013> [accessed 11 August 2025].

[127]  Tom Lowe, ‘Influential Conservative think tank backs Labour’s ‘grey belt’ plans, Building, 22 April 2024 <https://www.building.co.uk/news/influential-conservative-think-tank-backs-labours-grey-belt-plans/5129024.article> [accessed 23 February 2026]; ’Patrick Hall and William Nicolle, ‘Global green giant? A policy story’, Bright Blue, February 2020 <https://brightblue.org.uk/wp-content/uploads/2020/07/BB50GGG_Global-Green-Giant_-–-A-policy-story_Report_Feb2020_prf11_REV04July2020.pdf> [accessed 11 August 2025], pp. 17-18.

[128]  Savills, ‘In Plain English: The grey belt’, Savills Blog, 01 August 2024 <https://www.savills.com/blog/article/364960/residential-property/in-plain-english–the-grey-belt.aspx> [accessed 11 August 2025].

[129]  Ministry of Housing, Communities and Local Government, ‘National Planning Policy Framework: proposed reforms and other changes to the planning system’, GOV.UK, 2 February 2026 <https://www.gov.uk/government/consultations/national-planning-policy-framework-proposed-reforms-and-other-changes-to-the-planning-system/national-planning-policy-framework-proposed-reforms-and-other-changes-to-the-planning-system> [accessed 4 February 2026].

[130]  Ministry of Housing, Communities and Local Government, ‘Brownfield Passport: Making the Most of Urban Land’, GOV.UK, 13 February 2025 <https://www.gov.uk/government/publications/planning-reform-working-paper-brownfield-passport/brownfield-passport-making-the-most-of-urban-land#our-proposals> [accessed 9 October 2025].

[131]  Ibid.

[132]  Centre for Cities, ‘A zoning system in England’, Centre for Cities, 18 February 2025 <https://www.centreforcities.org/reader/a-zoning-system-for-england/england-previously-had-a-zoning-system/> [accessed 20 February 2026].

[133]  CrowdProperty, ‘The Building Safety Levy: Everything Developers Need to Know’, CrowdProperty, 8 May 2025 <https://www.crowdproperty.com/the-building-safety-levy-everything-developers-need-to-know/> [accessed 18 August 2025].

[134]  Building Safety Regulator, ‘The Building Safety Regulator is now the Building Control Authority for higher-risk buildings in England’, GOV.UK, 2023 <https://buildingsafety.campaign.gov.uk/building-safety-regulator-making-buildings-safer/building-safety-regulator-news/building-safety-regulator-is-now-the-building-control-authority/> [accessed 8 October 2025].

[135]  Building Cost Information Service, ‘Delayed decisions on higher-risk building applications quadrupled in 1Q2025’, BCIS, 18 July 2025 <https://www.bcis.co.uk/news/delayed-decisions-on-higher-risk-building-applications-quadrupled-in-1q2025/> [accessed 21 October 2025].

[136]  Winifred Ann Taylor et al., ‘The Building Safety Regulator: Building a better regulator’, House of Lords, 11 December 2025 < https://publications.parliament.uk/pa/ld5901/ldselect/ldindreg/225/225.pdf> [accessed 12 February 2026], p. 63.

[137]  Dave Rogers, ‘Barely 10 % of Building Safety Gateway 2 submissions for new builds have been approved’, Housing Today, 23 June 2025 <https://www.housingtoday.co.uk/news/barely-10-of-building-safety-gateway-2-submissions-for-new-builds-have-been-approved/5136668.article> [accessed 20 February 2026].

[138]  Ministry of Housing, Communities and Local Government, ‘Planning Applications in England: January to March 2025 — Statistical Release’, GOV.UK, 2025 <https://www.gov.uk/government/statistics/planning-applications-in-england-january-to-march-2025/planning-applications-in-england-january-to-march-2025-statistical-release–2> [accessed 11 August 2025].

[139]  David Greenwood and Frankie Bell, ‘Second staircases – new tall residential buildings’, RICS Built Environment Journal, 30 July 2024 <https://ww3.rics.org/uk/en/journals/built-environment-journal/second-staircases-new-tall-residential-buildings.html> [accessed 20 February 2026].

[140]  Samuel Hughes, ‘An astonishing achievement of the British state: killing London’s housing market’, ConservativeHome, 10 September 2025 <https://conservativehome.com/2025/09/10/samuel-hughes-an-astonishing-achievement-of-the-british-state-killing-londons-housing-market/> [accessed 20 February 2026].

[141]  Kristina Biddlecombe, ‘The Impact of the Building Safety Act 2022 on First-Time Buyers’, Nockolds, 11 February 2025 <https://www.nockolds.co.uk/the-impact-of-the-building-safety-act-2022-on-first-time-buyers/> [accessed 18 August 2025]; Anne Austin, ‘Building Safety Act 2022: What It Means for Your Property Transaction, David Grey Solicitors, 9 July 2025 <https://www.davidgray.co.uk/blog/property/building-safety-act-2022> [accessed 1 November 2025].

[142]  Department for Levelling Up, Housing and Communities, ‘Impact Assessment on the introduction of Second Staircases in residential buildings above 18m, following the Consultation on sprinklers in Care Homes, removal of national classes, and staircases in residential buildings’, GOV.UK, 22 March 2024 <https://assets.publishing.service.gov.uk/media/6605c8cd91a320b20282b085/Annex_C_-_Impact_Assessment.pdf> [accessed 1 November 2025].

[143]  Ministry of Housing, Communities and Local Government, Health and Safety Executive and Alex Norris, ‘Reforms to Building Safety Regulator to accelerate housebuilding’, GOV.UK, 30 June 2025 <https://www.gov.uk/government/news/reforms-to-building-safety-regulator-to-accelerate-housebuilding> [accessed 11 February 2026].

[144]  Brian Sims, ‘Building Safety Regulator reports record year-end Gateway 2 determinations’, FSM, 5 January 2026 <https://www.fsmatters.com/BSR-record-year-end-Gateway-2-determinations> [accessed 10 February 2026].

[145]  Winifred Ann Taylor et al., ‘The Building Safety Regulator: Building a better regulator’, House of Lords, 11 December 2025 < https://publications.parliament.uk/pa/ld5901/ldselect/ldindreg/225/225.pdf> [accessed 12 February 2026], p. 2.

[146]  Ibid., p. 51, 58.

[147]  Thomson Brothers, ‘Written evidence from the Thomson Brothers (BSR0062)’, House of Lords, 21 August 2025 <https://committees.parliament.uk/writtenevidence/147180/html/> [accessed 12 February 2026].

[148]  Sam Dumitriu, ‘Against banning buildings with just one staircase’, Notes on Growth, 28 July 2023 <https://www.samdumitriu.com/p/against-banning-buildings-with-just> [accessed 20 February 2026].

[149]  Ibid.

[150]  Winifred Ann Taylor et al., ‘The Building Safety Regulator: Building a better regulator’, House of Lords, 11 December 2025 < https://publications.parliament.uk/pa/ld5901/ldselect/ldindreg/225/225.pdf> [accessed 12 February 2026], p. 51.

[151]  Shelter, ‘Loss of social housing’, Shelter, 2025 <https://england.shelter.org.uk/support_us/campaigns/social_housing/loss_of_social_housing> [accessed 9 October 2025].

[152]  Housing, Communities and Local Government Committee, ‘History of social housing’, UK Parliament, 20 July 2020 <https://publications.parliament.uk/pa/cm5801/cmselect/cmcomloc/173/17305.htm> [accessed 9 October 2025].

[153]  Sam Dumitriu and Ben Hopkinson, ‘Get London Building’, Britain Remade, 22 February 2024 <https://assets.nationbuilder.com/britainremade/pages/788/attachments/original/1708671597/Britain_Remade-Get_London_Building.pdf?1708671597> [accessed 9 October 2025], p. 4.

[154]  Housing Ombudsman Service, ‘Housing Ombudsman calls for national tenant body and funding review as it reveals 474% surge in repair complaints’, Housing Ombudsman Service, 29 May 2025 <https://www.housing-ombudsman.org.uk/2025/05/29/call-for-national-tenant-body-and-funding-review/> [accessed 9 October 2025].

[155]  Lichfields, ‘Great Estates Planning for Estate Regeneration in London’, Lichfields, September 2021 <https://lichfields.uk/media/6574/great-estates_planning-for-estate-regeneration-in-london.pdf> [accessed 9 October 2025].

[156]  Sam Dumitriu and Ben Hopkinson, ‘Get London Building’, Britain Remade, 22 February 2024 <https://assets.nationbuilder.com/britainremade/pages/788/attachments/original/1708671597/Britain_Remade-Get_London_Building.pdf?1708671597> [accessed 9 October 2025], p. 4.

[157]  Ibid.

[158]  Ibid.

[159]  Lichfields, ‘Green light given to transform Teviot Estate’, Lichfields, 14 July 2025 <https://lichfields.uk/content/news/2025/july/14/planning-approved-for-nearly-2-000-new-homes-in-major-east-london-regeneration-scheme> [accessed 9 October 2025].

[160]  Nelupa Malik, ‘Application for Planning Permission: PA/24/00922’, Strategic Development Committee, 9 July 2025 <https://democracy.towerhamlets.gov.uk/documents/s256321/Teviot%20Committee%20Report%20Final.pdf> [accesssed 9 October 2025].

[161]  Ibid.

[162]  Ibid.

[163]  Josh Butler, ‘BPTW’s £800m Teviot Estate regeneration approved’, Architect’s Journal, 14 July 2025 <https://www.architectsjournal.co.uk/news/bptws-800m-teviot-estate-regeneration-approved> [accessed 4 November 2025].

[164]  Nelupa Malik, ‘Application for Planning Permission: PA/24/00922’, Strategic Development Committee, 9 July 2025 <https://democracy.towerhamlets.gov.uk/documents/s256321/Teviot%20Committee%20Report%20Final.pdf> [accesssed 9 October 2025].

[165]  Tower Hamlets Council, ‘Strategic Development Committee: Report of the Corporate Director of Housing and Regeneration’, Tower Hamlets Council, 8 July 2025 <https://democracy.towerhamlets.gov.uk/documents/s256321/Teviot%20Committee%20Report%20Final.pdf> [accessed 12 February 2026].

[166]  Gerald Eve, ‘Financial Viability Assessment’, Teviot Estate Development LLP, June 2024 <https://estatewatch.london/images/teviotfva.pdf> [accessed 12 February 2026].

[167]  Mayor of London, ‘Estate Regeneration Ballots’, London Assembly, 19 December 2024 <https://www.london.gov.uk/who-we-are/what-london-assembly-does/questions-mayor/find-an-answer/estate-regeneration-ballots-3> [accessed 4 November 2025].

[168]  Bartek Staniszewski and Freddie Poser, ‘Estate regeneration is crucial to solving the housing crisis’, Inside Housing, 27 February 2024 <https://www.insidehousing.co.uk/comment/estate-regeneration-is-crucial-to-solving-the-housing-crisis-85171> [accessed 20 November 2025].

[169]  Nelupa Malik, ‘Application for Planning Permission: PA/24/00922’, Strategic Development Committee, 9 July 2025 <https://democracy.towerhamlets.gov.uk/documents/s256321/Teviot%20Committee%20Report%20Final.pdf> [accesssed 9 October 2025].

[170]  Tom Lowe, ‘Four towers on 2,000-home east London estate regeneration redesigned due to council’s daylight concerns’, Building, 6 May 2025 <https://www.building.co.uk/news/four-towers-on-2000-home-east-london-estate-regeneration-redesigned-due-to-councils-daylight-concerns/5135816.article> [accessed 9 October 2025].

[171]  Mayor of London, ‘Estate regeneration’, London Assembly <https://www.london.gov.uk/programmes-strategies/housing-and-land/mayors-priorities-londons-housing-and-land/estate-regeneration> [accessed 9 October 2025].

[172]  Mayor of London, ‘London Estate Regeneration Fund’, London Assembly <https://www.london.gov.uk/programmes-strategies/housing-and-land/housing-and-land-funding-programmes/london-estate-regeneration-fund> [accessed 9 October 2025].

[173]  Homes and Communities Agency, ‘Estate Regeneration Programme’, Homes and Communities Agency, 13 June 2024 <https://www.gov.uk/government/publications/estate-regeneration-programme> [accessed 9 October 2025].

[174]  Department for Levelling Up, Housing and Communities, ’Estate Regeneration National Strategy’, GOV.UK, 8 December 2016 <https://www.gov.uk/guidance/estate-regeneration-national-strategy> [accessed 26 November 2025].

[175]  Manchester City Council, ‘Victoria North regeneration’, Manchester City Council <https://www.manchester.gov.uk/info/500390/projects_outside_the_city_centre/8701/victoria_north_regeneration/3> [accessed 9 October 2025].

[176]  Mark Hepworth and Sam Monger, ‘Place-Based Impact Investing (PBII) Innovation Labs: Findings and Lessons Learned’, The Good Economy, October 2023 <https://www.pensionsforpurpose.com/assets/PDFs/2024_05_13_14_27_35_pbii-lab-report-nov-2023-final.pdf> [accessed 9 October 2025].

[177]  Richard Stead, ‘’I fear losing the home I’ve been in for 32 years’’, BBC News, 21 December 2024 <https://www.bbc.co.uk/news/articles/c24nvd9qev3o> [accessed 9 October 2025].

[178]  Manchester City Council and Far East Consortium, ‘About’, Collyhurst Regeneration, undated <https://www.collyhurst-regeneration.co.uk/home/about> [accessed 9 October 2025].

[179]  Strategic Director of Growth & Development, ‘The Regeneration of Collyhurst – Update’, Manchester City Council, 22 March 2023 <https://democracy.manchester.gov.uk/documents/s39315/The%20Regeneration%20of%20Collyhurst%20-%20Update.pdf> [accessed 9 October 2025].

[180]  Manchester City Council and Far East Consortium, ‘Victoria North: Members Update’, Manchester City Council and FEC, 2023 <https://democracy.manchester.gov.uk/documents/s42569/Appendix%20-%20Victoria%20North.pdf> [accessed 9 October 2025].

[181]  Freddie Poser and Bartek Staniszewski, ‘Estate regeneration is crucial to solving the housing crisis’, Inside Housing, 27 February 2024 <https://www.insidehousing.co.uk/comment/estate-regeneration-is-crucial-to-solving-the-housing-crisis-85171> [accessed 20 February 2026].

[182]  Ministry of Housing, Communities and Local Government, ‘Planning for the future’, GOV.UK, 12 March 2020 <https://www.gov.uk/government/publications/planning-for-the-future/planning-for-the-future> [accessed 9 October 2025].

[183]  Grant Leggett, ‘The NPPF, ‘Beauty’ and ‘Gentle Density’’, Estate Agent Today, 23 March 2024 <https://www.estateagenttoday.co.uk/features/2024/03/the-nppf-beauty-and-gentle-density/> [accessed 9 October 2025].

[184]  Ryan Greenaway-McGrevy, ‘Will Upzoning Deliver Housing Affordability for Everyone? Evidence from Auckland’, Royal Society, 25 February 2025 <https://www.royalsociety.org.nz/research/will-upzoning-deliver-housing-affordability-for-everyone-evidence-from-auckland/> [accessed 9 October 2025].

[185]  Ryan Greenaway-McGrevy and Peter Phillips, ’The impact of upzoning on housing construction in Auckland’, Journal of Urban Economics, 136 (2023), doi:10.1016/j.jue.2023.103555.

[186]  Matthew Maltman, ‘Auckland’, One Final Effort, 2023 <https://onefinaleffort.com/auckland> [accessed 9 October 2025].

[187]  Ibid.

[188]  Ibid.

[189]  Ryan Greenaway-McGrevy, ‘Can Zoning Reform Reduce Housing Costs? Evidence from Rents in Auckland’, Economic Policy Centre, June 2023 <https://cdn.auckland.ac.nz/assets/business/about/our-research/research-institutes-and-centres/Economic-Policy-Centre–EPC-/WP016%203.pdf>[accessed 9 October 2025].

[190]  Linlin Liang et al., ‘Minneapolis Land Use Reforms Offer a Blueprint for Housing Affordability’, Pew, 4 January 2024 <https://www.pew.org/en/research-and-analysis/articles/2024/01/04/minneapolis-land-use-reforms-offer-a-blueprint-for-housing-affordability> [accessed 9 October 2025].

[191]  Helena Gu and David Munro, ‘Zoning Reforms and Housing Affordability: Evidence from the Minneapolis 2040 Plan’, SSRN, 2025 <http://dx.doi.org/10.2139/ssrn.5347083> [accessed 9 October 2025], pp. 1-58.

[192]  Eleanor West and Marko Garlick, ‘Upzoning New Zealand’, Works in Progress, 15 November 2023 <https://worksinprogress.co/issue/upzoning-new-zealand/> [accessed 9 October 2025].

[193]  Rafa Sonnenfeld, ‘California’s Streamlining Laws: Lessons From the Field’, YIMBY Law, February 2025 <https://www.yimbylaw.org/law-journal/californias-streamlining-laws-dlf8x> [accessed 9 October].

[194]  Ibid.

[195]  Ibid.

[196]  Create Streets, ‘The mansard revolution: a little YIMBY victory’, Create Streets, 6 July 2024 <https://www.createstreets.com/the-mansard-revolution-a-little-yimby-victory/> [accessed 9 October 2025].

[197]  Sam Dumitriu and Ben Hopkinson, ‘How to Get London Building in the right places’, Notes on Growth, 9 April 2024 <https://www.samdumitriu.com/p/how-to-get-london-building-in-the [accessed 9 October 2025].

[198]  Samuel Hughes, ‘Living tradition Adding to our heritage with more homes and sustainable intensification’, Create Streets, August 2021 <https://www.createstreets.com/wp-content/uploads/2025/07/Living-Tradition.pdf> [accessed 9 October 2025], p. 11.

[199]  Create Streets, ‘The mansard revolution: a little YIMBY victory’, Create Streets, 6 July 2024 <https://www.createstreets.com/the-mansard-revolution-a-little-yimby-victory/> [accessed 9 October 2025].

[200]  Victor Callister, ‘Appeal Decision APP/N5660/D/24/3344942’, The Planning Inspectorate, 2 January 2025 <https://acp.planninginspectorate.gov.uk/ViewDocument.aspx?fileid=60535852> [accessed 8 October 2025]; Young, ‘Appeal Decision APP/E5900/W/25/3359023’, The Planning Inspectorate, 13 May 2025 <https://acp.planninginspectorate.gov.uk/ViewDocument.aspx?fileid=62272332> [accessed 8 October 2025]; Paul Watson, ‘Appeal Decision APP/K5600/W/23/3329833’, Appeals Casework Portal, 20 March 2024 <https://acp.planninginspectorate.gov.uk/ViewCase.aspx?caseid=3329833> [accessed 9 October 2025]; Andrew Day, ‘Appeal Decision APP/K5600/W/23/3329256’, Appeals Casework Portal, 20 March 2024 <https://acp.planninginspectorate.gov.uk/ViewCase.aspx?caseid=3329256> [accessed 9 October 2025].

[201]  Martina Lees, ‘How mansard roof extensions are changing London’s skyline’, The Times, 18 November 2025 <https://www.thetimes.com/life-style/property-home/article/loft-conversion-wars-mansard-roof-extension-london-2gwsqswwn> [accessed 20 November 2025].

[202]  HM Treasury, ‘Government goes further and faster on planning reform in bid for growth’, GOV.UK, 26 January 2025 <https://www.gov.uk/government/news/government-goes-further-and-faster-on-planning-reform-in-bid-for-growth. [accessed 9 October 2025].

[203]  Ministry of Housing, Communities and Local Government, ‘Brownfield Passport: Making the Most of Urban Land’, GOV.UK, 13 February 2025 <https://www.gov.uk/government/publications/planning-reform-working-paper-brownfield-passport/brownfield-passport-making-the-most-of-urban-land> [accessed 9 October 2025].

[204]  Chris Smyth, ‘Mayors to be given powers to fast track planning permission’, The Times, 13 July 2025 <https://www.thetimes.com/uk/politics/article/mayors-planning-permission-angela-rayner-plmvtx80g> [accessed 9 October 2025].

[205]  Henry Hill, ‘New orders: Using Development Orders to get Britain building’, Adam Smith Institute, November 2024 < https://static1.squarespace.com/static/56eddde762cd9413e151ac92/t/6735cbc075fbed24affeb9da/1731578818216/New_Orders-Henry_Hill-Adam_Smith_Institute-November_2024.pdf> [accessed 11 February 2026].

[206]  Gabrielle Garton Grimwood, ‘Must Planning Committees Follow Officers’ Advice in Reaching Decisions?’, UK Parliament, 30 August 2019 <https://commonslibrary.parliament.uk/research-briefings/sn01030/> [accessed 11 August 2025].

[207]  Liam Clegg, ‘Taking One for the Team: Partisan Alignment and Planning Outcomes in England’, The British Journal of Politics and International Relations, 23.4 (2021), pp. 692–93, doi:10.1177/1369148120985409.

[208]  Laura Edgar , ‘Majority of Councillors Vote against Planning Officer Recommendations’, The Planner, 29 May 2024 <https://www.theplanner.co.uk/2024/05/29/survey-majority-councillors-vote-against-planning-officer-recommendations-despite-their> [accessed 8 August 2025].

[209]  Samuel Hughes, ‘An astonishing achievement of the British state – killing London’s housing market’, ConservativeHome, 10 September 2025 <https://conservativehome.com/2025/09/10/samuel-hughes-an-astonishing-achievement-of-the-british-state-killing-londons-housing-market/> [accessed 3 August 2025].

[210]  Ministry of Housing, Communities and Local Government, ‘Planning Reform Working Paper: Planning Committees’, GOV.UK, 13 February 2025 <https://www.gov.uk/government/publications/planning-reform-working-paper-planning-committees/planning-reform-working-paper-planning-committees> [accessed 3 August 2025].

[211]  Home Builders Federation, ‘Severe Shortage of Planners Delaying Thousands of Homes’, HBF, 28 January 2025 <https://www.hbf.co.uk/news/severe-shortage-of-planners-delaying-thousands-of-homes/> [accessed 8 August 2025].

[212]  Home Builders Federation, ‘Planning on Empty: Severe Shortage of Planners Delaying Thousands of Homes’, HBF, 2023 <https://www.hbf.co.uk/research-insight/planning-on-empty/> [accessed 11 August 2025].

[213]  Ministry of Housing, Communities and Local Government, ‘Planning Applications in England: January to March 2025 — Statistical Release’ GOV.UK, 2025 <https://www.gov.uk/government/statistics/planning-applications-in-england-january-to-march-2025/planning-applications-in-england-january-to-march-2025-statistical-release–2> [accessed 11 August 2025].

[214]  Home Builders Federation, ‘Severe Shortage of Planners Delaying Thousands of Homes’, HBF, 28 January 2025 <https://www.hbf.co.uk/news/severe-shortage-of-planners-delaying-thousands-of-homes/> [accessed 8 August 2025].

[215]  Mike Sims, ‘Planning crisis – rural communities wait years to get building, CLA analysis reveals’, CLA, 2025 <https://www.cla.org.uk/news/planning-crisis-rural-communities-wait-years-to-get-building-cla-analysis-reveals/> [accessed 11 August 2025].

[216]  Lichfields, ‘Small builders, big burdens’, Lichfields, May 2025 <https://lichfields.uk/content/insights/small-builders-big-burdens> [accessed 20 February 2026].

[217]  Ministry of Housing, Communities and Local Government, ‘Planning applications in England: January to March 2025’, GOV.UK, 19 June 2025 <https://www.gov.uk/government/statistics/planning-applications-in-england-january-to-march-2025/planning-applications-in-england-january-to-march-2025-statistical-release–2> [accessed 20 February 2026].

[218]  Ministry of Housing, Communities and Local Government, ‘National Design Guide: Planning practice guidance for beautiful, enduring and successful places’, GOV.UK, 30 January 2021 <https://www.gov.uk/government/publications/national-design-guide> [accessed 11 February 2026], p. 53.

[219]  Ibid.

[220]  Ben Kochan, ‘How council planning department finances could be protected from further cuts’, Planning, 2022 <https://www.planningresource.co.uk/article/1806992/council-planning-department-finances-protected-further-cuts> [accessed 20 February 2026].

[221]  Ministry of Housing, Communities and Local Government, ‘Local authority revenue expenditure and financing, England: 2024 to 2025 – Second Release’, GOV.UK, 4 December 2025 <https://www.gov.uk/government/statistics/local-authority-revenue-expenditure-and-financing-england-2024-to-2025-first-release/local-authority-revenue-expenditure-and-financing-england-2024-to-2025-first-release> [accessed 20 February 2026].

[222]  Paul Bolton, ‘Gas and electricity prices during the ‘energy crisis’ and beyond’, House of Commons Library, 8 September 2025 <https://commonslibrary.parliament.uk/research-briefings/cbp-9714/> [accessed 4 November 2025].

[223]  Not to be confused with the Institute of Economic Affairs.

[224]  ‘Domestic electricity prices in the IEA (QEP 5.5.1)’ in Department for Energy Security and Net Zero, ‘International domestic energy prices’, GOV.UK, 30 September 2025 <https://www.gov.uk/government/statistical-data-sets/international-domestic-energy-prices> [accessed 4 November 2025].

[225]  Ibid.

[226]  Department for Energy Security and Net Zero, ‘Annual Fuel Poverty Statistics in England, 2025’, GOV.UK, 27 March 2025 < https://assets.publishing.service.gov.uk/media/67e51e2cbb6002588a90d5d5/annual-fuel-poverty-statistics-report-2025.pdf> [accessed 12 February 2026], p. 6.

[227]  Department for Energy Security and Net Zero, ‘Annual Fuel Poverty Statistics in England 2025’, GOV.UK, 27 March 2025 <https://assets.publishing.service.gov.uk/media/67e51e2cbb6002588a90d5d5/annual-fuel-poverty-statistics-report-2025.pdf> [accessed 12 February 2026].

[228]  Ibid.

[229]  Ibid.

[230]  Mita Kerai, ‘Smart Meter Statistics in Great Britain: Quarterly Report to end September 2025’, GOV.UK, 27 November 2025 <https://assets.publishing.service.gov.uk/media/692587072945773cf12dcfea/Q3_2025_Smart_Meter_Stats_Report.pdf> [accessed 12 February 2026].

[231]  Citizens Advice, ‘Millions left in the cold and dark as someone on a prepayment meter cut off every 10 seconds, reveals Citizens Advice’, Citizens Advice, 12 January 2023 < https://www.citizensadvice.org.uk/about-us/media-centre/press-releases/millions-left-in-the-cold-and-dark-as-someone-on-a-prepayment-meter-cut-off-every-10-seconds-reveals-citizens-advice/> [accessed 12 February 2026].

[232]  Tina Fawcett et al., ‘Using smart energy meter data to design better policy: Prepayment meter customers, fuel poverty and policy targeting in Great Britain’, Energy Research & Social Science, 116 (2024), doi:10.1016/j.erss.2024.103666.

[233]  Labour, ‘Make Britain a clean energy superpower’, Labour, 2024 <https://labour.org.uk/change/make-britain-a-clean-energy-superpower/> [accessed 4 November 2025].

[234]  Department for Energy Security and Net Zero, ‘Over £1 billion budget for renewable energy auction’, GOV.UK, 7 March 2024 <https://www.gov.uk/government/news/over-1-billion-budget-for-renewable-energy-auction> [accessed 4 November 2025].

[235]  Ben Caldecott, ‘Keeping the lights on: security of supply after coal’, Bright Blue, June 2016 <https://www.brightblue.org.uk/portfolio/keeping-the-lights-on-security-of-supply-after-coal/> [accessed 20 February 2026].

[236]  Department for Energy Security and Net Zero, ‘Energy Trends: UK, October to December 2024’, DESNZ, 27 March 2025 <https://assets.publishing.service.gov.uk/media/67e4f5d855239fa04d412067/Energy_Trends_March_2025.pdf> [accessed 4 November 2025].

[237]  Mark Poynting and Anthony Reuben, ‘If the UK has more renewable energy, why aren’t bills coming down?’, BBC News, 7 February 2025 <https://www.bbc.co.uk/news/articles/crkep1vx3mro> [accessed 4 November 2025].

[238]  Behnam Zakeri et al., ‘The role of natural gas in setting electricity prices in Europe’, Energy Reports, 10 (2023), pp. 2778-92, doi:10.1016/j.egyr.2023.09.069.

[239]  Toby McGarry, ‘Electricity generation and supply in Scotland, Wales, Northern Ireland, and England, 2017 to 2021’, Energy Trends, 22 December 2022 <https://assets.publishing.service.gov.uk/media/63a2dd608fa8f539108d59be/Regional_electricity_generation_and_supply_2017-21.pdf> [accessed 4 November 2025], p. 2

[240]  Behnam Zakeri et al., ‘The role of natural gas in setting electricity prices in Europe’, Energy Reports, 10 (2023), pp. 2778-92, doi:10.1016/j.egyr.2023.09.069.

[241]  Anouk Honoré and Jack Sharples, ’Dunkelflaute: Driving Europe Gas Demand Volatility’, The Oxford Institute for Energy Studies, December 2024 <https://www.oxfordenergy.org/wpcms/wp-content/uploads/2024/12/Insight-161-Driving-Europe-Gas-Demand-Volatility.pdf> [accessed 26 November 2025].

[242]  Jillian Ambrose, ‘Two power station owners to get more than £12m for three hours of electricity’, The Guardian, 8 Jan 2025 <https://www.theguardian.com/business/2025/jan/08/two-power-station-owners-to-get-more-than-12m-for-three-hours-of-electricity> [accessed 4 November 2025].

[243]  Office for National Statistics, ‘Family spending workbook 2: expenditure by income’, Office of National Statistics, 10 September 2025 <https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/expenditure/datasets/familyspendingworkbook2expenditurebyincome> [accessed 5 February 2026]
[244]  Ofgem, ‘Energy price cap explained’, The Office of Gas and Electricity Markets <https://www.ofgem.gov.uk/information-consumers/energy-advice-households/energy-price-cap-explained> [accessed 5 February 2026]; Ben Gallizzi, ‘What is the price cap?’, Uswitch, 5 January 2026 <https://www.uswitch.com/gas-electricity/guides/price-cap/> [accessed 5 February 2026]; Clare Casalis, ‘What is the energy price cap?’, MoneySavingExpert, 11 February 2026 <https://www.moneysavingexpert.com/utilities/what-is-the-energy-price-cap/> [accessed 5 February 2026]
[245]  David Hough, ‘The Warm Home Discount Scheme’, UK Parliament, 5 May 2016 <https://commonslibrary.parliament.uk/research-briefings/sn05956/> [accessed 13 February 2026].

[246]  GOV.UK ’Warm Home Discount Scheme: If you’re on a low income in England and Wales’, GOV.UK <https://www.gov.uk/the-warm-home-discount-scheme/low-income-England-Wales> [accessed 13 February 2026]
[247]  GOV.UK, ‘Warm Home Discount Scheme’, GOV.UK, undated <https://www.gov.uk/the-warm-home-discount-scheme> [accessed 13 February 2026].

[248]  Department for Work and Pensions, ‘Winter Fuel Payment statistics’, GOV.UK, 6 September 2025 <https://www.gov.uk/government/collections/winter-fuel-payments-caseload-and-household-figures> [accessed 13 February 2026].

[249]  GOV.UK, ‘Winter Fuel Payment: how much you’ll get’, GOV.UK, undated <https://www.gov.uk/winter-fuel-payment/how-much-youll-get> [accessed 13 February 2026].

[250]  Age UK, ‘Winter Fuel Payment: eligibility, updates and how to claim’, Age UK, undated <https://www.ageuk.org.uk/information-advice/money-legal/benefits-entitlements/winter-fuel-payment/> [accessed 13 February 2026]
[251]  Department for Work and Pensions, ‘Explanatory Memorandum To The Social Fund Cold Weather Payments (General) Amendment Regulations 2015’, GOV.UK, undated <https://www.legislation.gov.uk/uksi/2015/183/pdfs/uksiem_20150183_en.pdf> [accessed 13 February 2026].

[252]  GOV.UK, ‘Cold Weather Payment’, GOV.UK, undated <https://www.gov.uk/cold-weather-payment> [accessed 13 February 2026]
[253]  Age UK, ‘Cold Weather Payment: eligibility, amounts and how to claim’, Age UK, undated <https://www.ageuk.org.uk/information-advice/money-legal/benefits-entitlements/cold-weather-payment/> [accessed 13 February 2026]
[254]  Department for Work and Pensions, ‘Household Support Fund extended from today to help families in need’, GOV.UK, 1 April 2023 <https://www.gov.uk/government/news/household-support-fund-extended-from-today-to-help-families-in-need> [accessed 13 February 2026].

[255]  GOV.UK, ‘Get help with the cost of living from your local council’, GOV.UK, undated <https://www.gov.uk/cost-living-help-local-council> [accessed 13 February 2026]
[256]  Richmond upon Thames London Borough Council, ‘Household Support Fund: cost of living money entitlements’, Richmond upon Thames London Borough Council <https://www.richmond.gov.uk/services/cost_of_living_hub/what_you_are_entitled_to/cost_of_living_money/household_support_fund> [accessed 13 February 2026]
[257]  Kent County Council, ‘Household Support Fund: urgent financial help and extra support’, Kent County Council <https://www.kent.gov.uk/leisure-and-community/cost-of-living-support/urgent-financial-help-and-extra-support/household-support-fund> [accessed 13 February 2026]
[258]  Scottish Government, ‘Winter Heating Payments begin’, Scottish Government, 20 December 2023 <https://www.gov.scot/news/winter-heating-payments-begin/> [accessed 23 February 2026].

[259]  Scottish Government, ‘Winter Heating Payment’, Scottish Government, 20 February 2026 <https://www.mygov.scot/winter-heating-payment/> [accessed 23 February 2026].

[260]  mygov.scot, ‘Overview’, mygov.scot, incorrectly dated 28 July 2023 <mygov.scot/child-winter-heating-payment> [accessed 23 February 2026].

[261]  Prime Minister’s Office 10 Downing Street, ‘Make Britain a Clean Energy Superpower’, GOV.UK, undated <https://www.gov.uk/missions/clean-energy> [accessed 4 November 2025].

[262]  UK Government, ‘Clean Power 2030 Action Plan: A new era of clean electricity’, UK Government, December 2024 <https://assets.publishing.service.gov.uk/media/677bc80399c93b7286a396d6/clean-power-2030-action-plan-main-report.pdf> [accessed 4 November 2025].

[263]  Department for Energy Security and Net Zero, ‘Review of electricity market arrangements (REMA)’, GOV.UK, 15 July 2025 <https://www.gov.uk/government/collections/review-of-electricity-market-arrangements-rema> [accessed 4 November 2025].

[264]  Department for Business, Energy & Industrial Strategy, ‘UK launches biggest electricity market reform in a generation’, GOV.UK, 18 July 2022 <https://www.gov.uk/government/news/uk-launches-biggest-electricity-market-reform-in-a-generation> [accessed 4 November 2025].

[265]  Department for Energy Security and Net Zero, ‘Review of electricity market arrangements (REMA): Summer update, 2025’, GOV.UK, 10 July 2025 <https://www.gov.uk/government/publications/review-of-electricity-market-arrangements-rema-summer-update-2025/review-of-electricity-market-arrangements-rema-summer-update-2025-accessible-webpage> [accessed 4 November 2025].

[266]  UK Steel, ‘Government abandons power pools’, UK Steel, 12 March 2024 <https://www.uksteel.org/steel-news-2024/government-abandons-power-pools> [accessed 13 February 2026].

[267]  Michael Grubb et al., ‘Separating electricity from gas prices through Green Power Pools: Design options and Evolution’, UCL The Bartlett Institute for Sustainable Resources, October 2022 <https://www.ucl.ac.uk/bartlett/sites/bartlett/files/navigating_the_energy-climate_crises_working_paper_4_-_green_power_pool_v2-2_final.pdf> [accessed 4 November 2025].

[268]  University College London, ’Separating electricity from gas prices through Green Power Pools: Design options and evolution’, UCL, 2022 <https://www.ucl.ac.uk/bartlett/sites/bartlett/files/navigating_the_energy-climate_crises_working_paper_4_-_green_power_pool_v2-2_final.pdf> [accessed 20 February 2026], p. 7; Aldersgate Group, ‘Electricity market reforms can slash bills for strained UK households and businesses’, Aldersgate Group, 16 November 2022 <https://www.aldersgategroup.org.uk/publications/post/electricity-market-reforms-can-slash-bills-for-strained-uk-households-and-businesses/> [accessed 20 February 2026].

[269]  Les Roberts, ‘What’s going on with energy prices?, reviewed by Alex Staker’, Bionic <https://bionic.co.uk/business-energy/guides/whats-going-on-with-energy-prices/> [accessed 20 February 2026].

[270]  Calculated with EDF Energy, ‘What makes up your bill?’, EDF Energy <https://www.edfenergy.com/help-support/what-makes-up-your-bill> [accessed 20 February 2026]; Joanna O’Loan, ‘Average UK energy bill’, Energy Saving Trust, undated <https://energysavingtrust.org.uk/average-uk-energy-bill/> [accessed 20 February 2026].

[271]  Department for Energy Security and Net Zero, Review of Electricity Market Arrangements: Options Assessment’, GOV.UK, March 2024 <https://assets.publishing.service.gov.uk/media/65eb48f362ff48ff7487b30a/rema-options-assessment.pdf> [accessed 4 November 2025], pp. 29-32.

[272]  Ibid.

[273]  Bill Esterson et al., ‘Energy Security and Net Zero Committee, Oral evidence: The cost of energy, HC 736’, House of Commons, 15 October 2025 <https://committees.parliament.uk/oralevidence/16535/pdf/> [accessed 4 November 2025].

[274]  Angharad Hopkinson et al., ‘Power Shift: How the Labour government can bring down bills and bolster net zero by curtailing the power of gas’, Greenpeace, September 2025 <https://www.greenpeace.org.uk/wp-content/uploads/2025/09/Greenpeace-Powershift-Report-v2.pdf> [accessed 4 November 2025]; Stonehaven, ‘Managing Decline: A Regulated Asset Base for Legacy Gas in the Age of Clean Power’, Stonehaven, May 2025 <https://www.stonehavenglobal.com/managing_decline_a_regulated_asset_base_for_legacy_gas_in_the_age_of_clean_power> [accessed 4 November 2025].

[275]  Angharad Hopkinson et al., ‘Power Shift: How the Labour government can bring down bills and bolster net zero by curtailing the power of gas’, Greenpeace, September 2025 <https://www.greenpeace.org.uk/wp-content/uploads/2025/09/Greenpeace-Powershift-Report-v2.pdf> [accessed 4 November 2025], p. 3.

[276]  Ibid., p. 28.

[277]  Martina Kavan, ‘What’s in an energy bill?’, Nesta, 22 November 2024 <https://www.nesta.org.uk/report/whats-in-an-energy-bill/full/> [accessed 26 November 2025].

[278]  Although an international comparison of non-commodity costs would be useful, comparable countries have unique approaches to raising funds from electricity bills with a different range of taxes, levies and surcharges. Likewise, international sources define and group various non-commodity costs in very different ways. It is therefore difficult to provide an accurate and concise comparison of these costs without risk of oversimplification within the scope of this work. As such, this section focuses solely on the UK. For breakdowns of average domestic electricity bills in France and Germany, see, for example: EDF, ‘Comment se décompose le prix de l’électricité ?’, EDF, undated <https://particulier.edf.fr/fr/accueil/guide-energie/electricite/prix-electricite.html> [accessed 4 November 2025] and BDEW, ‘BDEW-Strompreisanalyse Oktober 2025’, BDEW, 13 October 2025 <https://www.bdew.de/service/daten-und-grafiken/bdew-strompreisanalyse/> [accessed 4 November 2025].

[279]  Energy UK, ‘Energy bills FAQ’, Energy UK, undated <https://www.energy-uk.org.uk/customers/energy-bills-faq/> [accessed 20 February 2026].

[280]  All percentages in this box represent typical dual fuel households in the UK, with numbers drawn from: Energy UK, ‘Energy bills FAQ’, Energy UK, undated <https://www.energy-uk.org.uk/customers/energy-bills-faq/> [accessed 20 February 2026]; Martina Kavan, ‘What’s in an energy bill?’, Nesta, 28 March 2024 <https://www.nesta.org.uk/report/whats-in-an-energy-bill/> [accessed 20 February 2026].

[281]  National Energy System Operator (NESO), ‘2025 Annual Balancing Costs Report’, NESO, June 2025 <https://www.neso.energy/document/362561/download> [accessed 20 February 2026].

[282]  Andrew Sissons and Daniel Lewis, ‘What does the Budget mean for energy bills?’, Nesta, 26 November 2025 <https://www.nesta.org.uk/blog/what-does-the-budget-mean-for-energy-bills/> [Accessed 4 November 2025]
[283]  See HM Revenue & Customs, ‘INTM515020 – Thin capitalisation: practical guidance: measuring earnings: earnings before interest and tax (EBIT)’, GOV.UK, 9 April 2016 <https://www.gov.uk/hmrc-internal-manuals/international-manual/intm515020> [accessed 20 February 2026].

[284]  Energy UK, ‘Energy bills FAQ’, Energy UK, undated <https://www.energy-uk.org.uk/customers/energy-bills-faq/> [accessed 20 February 2026].

[285]  Bill Esterson et al., ‘Energy Security and Net Zero Committee, Oral evidence: The cost of energy, HC 736’, House of Commons, 15 October 2025 <https://committees.parliament.uk/oralevidence/16535/pdf/> [accessed 4 November 2025].

[286]  Ofgem, ‘Ofgem approves initial £24 billion to operate and maintain critical gas networks and upgrade Britain’s electricity supergrid’, The Office of Gas and Electricity Markets, 1 July 2025 <https://www.ofgem.gov.uk/press-release/ofgem-approves-initial-ps24-billion-operate-and-maintain-critical-gas-networks-and-upgrade-britains-electricity-supergrid> [accessed 4 November 2025].

[287]  Cornwall Insight, ‘Rising Transmission Costs to Add £30 to Household Energy Bills from Next April’, Cornwall Insight, 17 September 2025 <https://www.cornwall-insight.com/press-and-media/press-release/rising-transmission-costs-to-add-30-to-household-energy-bills-from-next-april/> [accessed 4 November 2025].

[288]  Bill Esterson et al., ‘Energy Security and Net Zero Committee, Oral evidence: The cost of energy, HC 736’, House of Commons, 15 October 2025 <https://committees.parliament.uk/oralevidence/16535/pdf/> [accessed 4 November 2025].

[289]  Josh Buckland, ‘Green Money: Financing the Transition to a Low‑Carbon Economy’, Bright Blue, July 2021 <https://www.brightblue.org.uk/wp-content/uploads/2021/07/Green-money.pdf> [accessed 20 February 2026].

[290]  Martina Kavan, ‘What’s in an energy bill?’, Nesta, 28 March 2024 <https://www.nesta.org.uk/report/whats-in-an-energy-bill/> [accessed 20 February 2026].

[291]  Bill Esterson et al., ‘Energy Security and Net Zero Committee, Oral evidence: The cost of energy, HC 736’, House of Commons, 15 October 2025 <https://committees.parliament.uk/oralevidence/16535/pdf/> [accessed 4 November 2025].

[292]  Ibid.

[293]  National Energy System Operator (NESO), ‘2025 Annual Balancing Costs Report’, NESO, June 2025 <https://www.neso.energy/document/362561/download> [accessed 20 February 2026].

[294]  Committee of Public Accounts, ‘Carbon Capture, Usage and Storage’, House of Commons, 7 February 2025 <https://committees.parliament.uk/publications/46545/documents/237331/default/> [accessed 4 November 2025].

[295]  Institute for Energy Economics and Financial Analysis, ‘UK faces bottomless pit of carbon capture and storage subsidies’, IEEFA, 16 July 2025 <https://ieefa.org/articles/uk-faces-bottomless-pit-carbon-capture-and-storage-subsidies> [accessed 4 November 2025].

[296]  Committee of Public Accounts, ‘Carbon Capture, Usage and Storage’, House of Commons, 7 February 2025 <https://committees.parliament.uk/publications/46545/documents/237331/default/> [accessed 4 November 2025].

[297]  Josh Buckland, ‘Green Money: Financing the Transition to a Low‑Carbon Economy’, Bright Blue, July 2021 <https://www.brightblue.org.uk/wp-content/uploads/2021/07/Green-money.pdf> [accessed 20 February 2026].

[298]  HM Treasury, ‘Control for Low Carbon Levies’, GOV.UK, 22 November 2017 <https://www.gov.uk/government/publications/control-for-low-carbon-levies> [accessed 4 November 2025].

[299]  Ofgem, ‘Feed-in tariffs (FIT) Annual Report – Scheme Year 14’, The Office of Gas and Electricity Markets, December 2024, https://www.ofgem.gov.uk/sites/default/files/2024-12/FIT_annual_report_SY14.pdf [accessed 20 February 2026].

[300]  Department for Energy Security and Net Zero, ‘Carbon Capture, Usage and Storage: Amendment to Electricity Supplier Obligations Regulations’, GOV.UK, 29 July 2024 <https://assets.publishing.service.gov.uk/media/66a77295ce1fd0da7b592e64/government-response-amendment-to-ESO-regulations-consultation-on-the-implementation-of-the-CCUS-dispatchable-power-agreement-business-model.pdf> p. 10 [accessed 20 February 2026].

[301]  Martina Kavan, ‘What’s in an energy bill?’, Nesta, 28 March 2024 <https://www.nesta.org.uk/report/whats-in-an-energy-bill/> [accessed 20 February 2026].

[302]  Centre for Sustainable Energy, ‘Ofgem energy consumer archetypes update 2024’, The Office of Gas and Electricity Markets, 2024 <https://www.ofgem.gov.uk/sites/default/files/2024-02/Ofgem_archetypes_update_2024_FinalReport_v4.1.3.pdf> [accessed 4 November 2025].

[303]  Committee on Fuel Poverty, ‘Exploring options for improving energy bill equity for fuel poor households’, GOV.UK, May 2025 <https://assets.publishing.service.gov.uk/media/686c093e2cfe301b5fb67830/options-improving-energy-bill-equity-fuel-poor-households-report.pdf> [accessed 4 November 2025].

[304]  Ofgem, ‘Introducing a zero standing charge energy price cap variant’, The Office of Gas and Electricity Markets, 24 July 2025 <https://www.ofgem.gov.uk/consultation/introducing-zero-standing-charge-energy-price-cap-variant> [accessed 4 November 2025].

[305]  Clare Casalis, ‘Low standing charge tariffs 2026’, MoneySavingExpert, 11 February 2026 <https://www.moneysavingexpert.com/news/2025/09/low-standing-charges-tariffs-2026/> [accessed 20 February 2026].

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