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Market rates would be a lot lower if people weren't allowed to speculate on housing.
They would but do you believe they'll be low enough that a bank would be prepared to take the on the risk of loaning the money to basically everyone?
I mean what was the 90's?
In the UK? I don't recall everyone suddenly having affordable mortgages
Yes that's exactly what was happening
I'm not convinced, at least in the UK it's been a very very long time since mortgages were accessible to the average salary.
I'm not saying there isn't a problem but I'm not sure this would solve the problem right now. In the UK something like 70% of housing is mortgaged or owned (by the occupier)... most renters say the biggest barrier to getting a home is not the mortgage affordability it's saving for the deposit. Indeed when I bought my first home 20+ years ago I needed my parents help on that front. Where do people live between leaving education and saving up for that deposit, whatever size it is?