About the author

My name is Lars Lemming, a Danish citizen who, through the 1980s and early 1990s, spent about eight years in the UK.

During that period I became an integrated part of UK society, and it left a lasting impression on me. I love the UK, I have many friends there, my goddaughter – a dual citizen – lives there, and I visit as often as I can.

It pains me to see the direction the UK has gone in over the last twenty years or so. As someone who today works as a “solution man”, helping people shift their mindset, I have drawn on direct experience from several northern European countries to put together a potential solution – one that could increase the UK government’s revenue stream, free up disposable income for homeowners, and at the same time improve the housing situation for renters in the UK.

In my view, the revenue this solution generates should be allocated by the UK government to investment in green infrastructure and the NHS, while at the same time reducing UK government debt quite substantially.

I have done some research, and I honestly believe this could be the UK’s way of “picking the low-hanging fruit – day after day and year after year”.

Is it easy? I would not say overly so. Is it very hard? Again, I would not say overly so. It will take a shift in mindset, some legislation, and partnership with international – predominantly friendly European and Canadian – organisations. But if you, like me, believe that challenges and difficulties are only there to be overcome, then I honestly believe it is achievable within about six months, giving the government roughly two and a half years to prove the benefits to the electorate.

Have a look at it, try it out – you can also download a version for offline modelling – and let me know if you need any explanations or assistance. I am willing to help if I can.

Why now

The UK faces a set of pressures that reinforce one another: high mortgage costs for households, constrained public finances, and an urgent need for investment in green infrastructure and the NHS. A bond-based, borrower-owned mortgage reform is not a silver bullet, but it is a tangible, financeable lever that could ease all three at once – and the political timing matters. With a parliamentary horizon in mind, the model is framed around a “prove-it” window of about two and a half years: enough time to demonstrate the benefits to voters before the next election.

What you can do here

• Explore the live model – adjust the assumptions and see the effects in real time.
• Check the methodology – every default input is cited, and nothing is hidden.
• Take it offline – save your settings or download the spreadsheet for your own work.