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Weirdly a lot of potential reforms would be low or even negative cost, they’d just require the political gumption to face up to landlords and financial organisations.
This is one of the easy ones (from the budget):
The government will reduce right-to-buy discounts, and local governments will retain the earnings from council housing sales to allow them to reinvest.
slippers
GoatandTricycle
Dunno it’s crude but low implementation cost.