Overview

You did everything right. You saved. You budgeted. You waited. And somehow, the house you could almost afford last year is further out of reach this year. The problem isn't you. The problem is a system you were never taught to see. In this groundbreaking book, Dr Wasay Majid - a housing economist with a PhD from the University of Auckland and a Master's from Oxford - dismantles the comfortable myths we've been told about why houses cost what they cost. It's not just supply and demand. It's not just population growth or planning rules. The real answer lies in the foundation of modern finance. Why Can't You Afford a House? traces the real forces behind housing unaffordability: how banks create money through mortgage lending, how Basel regulations turned homes into the safest asset on bank balance sheets, how securitisation connected your monthly mortgage payment to global capital markets, and how pension systems funnel workers' savings into the very structures that push prices beyond their reach. Written for anyone who has ever wondered why the system feels rigged, this book makes the invisible architecture of housing finance visible for the first time.

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