Permanent Housing Markets

Kevin Cox
2 min readAug 2, 2022


Are you:

  • Thinking of moving house in the next ten years?
  • Paying more than you can afford on your mortgage?
  • Renting but would like to buy?
  • Homeless and can’t afford a suitable place to live?
  • Looking for a stable income stream for the rest of your life?
  • Looking to invest in property but don’t want the hassle of being a landlord?
  • Worried about maintaining your house?
  • Looking to downsize?
  • Want to reduce your electricity bills?

If any of these apply to you, consider starting or joining a Permanent Housing Market.

The occupiers and investors jointly own the Market. The occupiers own the dwellings, and the investors own the money.

Investors get an adjustable 7% indexed income stream (annuity) for 30 years. Investors can freely sell and buy their annuity with other members.

Occupiers pay a minimum of 25% of their income until they have purchased the home, then the amount drops to a maintenance fee which is a percentage of the home value and depends on the services offered.

To prevent speculation and manipulation once a property is in the Market, the owners of the Market, namely all investors and all other occupiers, must agree to the property exiting the Market.

Permanent Housing Market compared to ad-hoc Market.

Permanent Markets remove the interest cost and give investors a higher inflation-adjusted income stream. Each time an occupier pays an occupation fee, 50% of their fee becomes equity in the property. The other 50% gives investors a return on investment. The community keeps all the Capital and invests it in the Market to provide a better return than superannuation allocated pensions.

The removal of interest and the need to transfer ownership means the Capital stays in the permanent Market, reduces occupation costs, and increases investment returns.

Making 50% of the payments available for investment in improving housing productivity is a way to finance the Rewiring of Australia. Rewiring Australia invests in housing to make houses energy efficient and use renewable, cheaper energy. Fifty per cent of all payments is a lot of investment. It will rapidly improve the productivity of buildings and reduce living costs freeing up more Capital for productivity improvements in other parts of the economy.

To read more about Permanent Capital Markets as an alternative to Debt Markets, read Capital and How to Share it.



Kevin Cox

Kevin works on empowering individuals within local communities to rid the economy of unearned income.