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Tells a personal story of building a plane with floats. Includes technical details and a description of performance on high‐altitude lakes, along with assessors' comments.

Although a UK trajectory toward zero-carbon development for all new housing by 2016 has been set, the cost of building such homes and the changes implied for current constructional culture, together with lack of fiscal incentives, makes the target very difficult to achieve. Moreover, the recent governmental clarification of the definition of zero-carbon housing may make it impossible. This paper proposes a prototype construction (see also the associated paper in this issue) and examines in detail both the constructional and cost barriers to eliminating carbon emissions from tightly limited total thermal and electrical consumption targets (not more than 70 kWh/m2). Having established generous access to sunlight and daylight as prerequisites, a related health issue is air quality, especially with air-tight construction. While thermal and hygroscopic capacity can mediate between quality and efficiency, current norms for Scottish housing are notably poor in both respects. A key aim is to assess whether specification for a ‘low-carbon house’ can be cost effective. An analysis is undertaken to asses the increased cost associated with integration of energy efficient measures in the proposed prototype model. The specification of the building envelope and associated renewable technologies are addressed with reference to their cost implication on the overall build cost. Finally potential governmental incentives are proposed to not only meet the 2016 target, but also to promote enthusiasm by the end user. The paper concludes that low-carbon and zero-carbon scenarios would require radical changes of funding/fiscal and building cultures.

Most households in Sub-Saharan African cannot afford adequate housing. Most often, their pension benefits are also meagre, usually resulting from low contribution levels and mismanagement. Coupled with low life expectancies, most would not live to enjoy the benefits of pensions, thus validating the need to utilize their hitherto deferred pension benefits for immediate housing investment and consumption.

Quantitative research methodology via the present value technique was used in valuing pension benefits to demonstrate the potential of pension schemes as savings mobilization mechanisms for long-term pension-backed housing financing in Ghana.

Policy wise, the paper provides some evidence to support proposals for the development of pension-backed housing finance systems in Ghana with lessons for Sub-Saharan Africa. The authors demonstrate that the Tier 2 defined contribution mandatory occupational pension scheme could serve the purpose of a savings mobilization mechanism for long-term housing financing. The authors observe that by increasing the Tier 2 contribution rate to 30 per cent, the majority of the sample, mainly of the middle-income class, could accumulate between US$11,000 and US$17,000 over their working life. At the same rate, between US$5,783 and US$9,550 could have been raised as savings between 2010 (when implementation began) and 2014. This could form a substantial equity contribution in a mortgage investment and or borrowed on a housing microfinance basis.

The paper contributes to the ongoing debate on the need to develop alternate savings mechanisms and collateral assets using pension assets, other than property, for mortgage financing. The proposals made are aimed at influencing policy by way of advocating for the use of latent pension equity to improve the housing conditions of members while they are alive, and also to suggest pension-backed housing financing as an alternative investment option. A comprehensive study would be required to settle issues of scalability, pricing and model design.

The successive Malaysian government aims to provide housing to households earning the median income and below. However, there has been continuous criticism and complaints from the media and literature on the magnitude of the defects in affordable housing. Therefore, this research has investigated the defects in affordable housing for the users’/occupants' perspectives.

With a response rate of 69%, the research developed a questionnaire instrument that included twenty-one defects in buildings based on literature and observation. These were scored on a 5-point Likert scale ranging from very common to least common. Twelve causes of defects measured on a five-point scale were included in the survey. Thirteen additional items that had to do with remedial actions to reduce defects were included. These were scored on a 5-point Likert scale ranging from strongly agree to least agree. The survey forms were administered to all the 152 home occupants in a Program Perumahan Rakyat (PPR) housing estate through hand delivery in a northern state in Malaysia.

The data revealed that broken doors, damaged roofs, damp walls and broken tiles in rooms were the most common defects in the housing development. It was found that defects in the buildings were caused by poor workmanship, defective materials, poor designs and bad weather. Additionally, to rectify the defects, adequate supervision is required during maintenance, the repairs must be conducted on time and there is a need to have competent maintenance organisations. Through factor analysis, the 21 defects were structured into six factors, the 12 causes were grouped into 5 factors and the 13 remedial actions were grouped into 6 factors.

The information on the nature, degree and kinds of defects from the users' perspectives will dictate when repair work is to be undertaken and allow future work to be programmed and financed as part of a maintenance rolling programme.

This research focused specifically on “Program Perumahan Rakyat” housing development. Furthermore, none of the previous research on defects conducted attempted to categorise the defects in the buildings. The categorisation is very important for systemic decision-making because there are continuous interactions amongst the defects, causes and remedial actions.