Ms Sorcha Edwards:

With housing, there are no quick fixes. Obviously, homelessness is even more complex because you need different actors to work together. It is not only about a short term for a year. If you want to maintain tenancies, you also need to have wraparound care for those with complex needs.

In terms of quick things we can do, if I were looking at this, also at European level, it would be enable off-balance sheet financing for AHBs and the complex debt rules that local authorities have that Professor Michelle Norris mentioned earlier. It would be to quickly address those entities that are ready to deliver affordable housing and also housing for homelessness and to really listen to them and the problems they have with drawing down finance even when there is finance available because of debt rules or balance sheet rules.