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Editing - All authorities and sources are referenced. All third party inclusions are referenced and annotated by way of summary annotation narrative - historical context, comment - critique - interpretation - analysis – solutions. 
 
A bottom up approach to a Northern Irish social and first tier affordable housing and homelessness strategy. Is advocating an alternative approach, to the Northern Irish housing policy / strategy. An alternative to the life style business model of “wage slave mortgage hostage”. What happened to the days when the price of a house was the costs of a site and construction? Moreover, and the building societies were restricted to advancing a mortgage for these costs and no more? It is perfectly viable to return to this financial arrangement and manufacture and construct, high standard social / first tier affordable four bedroom houses / bungalows. I.E. with a front and rear garden and off road parking. The proposed scheme is an intricate component of an overarching NI Social enterprise economy foundation. Requiring a process of legal reform and protections; and a process of reconfiguration and recalibration of the NI public and private sectors. I.E. via district council democratic and corporate governance; and or external stakeholders. Linking up with vocational learning and development; and or welfare to work and “use it or lose it”, social security payments. The object is not to compete with the existing NI housing policy, but rather to run in parallel with it. To separate the social and private rented homes from the private house market and mortgage finance influences. I.E. On social and private rents? To establish a social and private statutory rents formula. To be based on the costs of the construction of a standard social / first tier family house; and or a housing benefit cap for private rented houses. This alternative approach will assist with NI waiting lists and homelessness; and reform aspects of specified types of eviction; and or personal insolvency and inheritance reforms. Moreover, the NI local enterprise economy will be stimulated and enhanced. It is also noteworthy, that this advocated new parallel system of social and first tier affordable housing, may also be applicable to the Republic of Ireland, Scotland, Wales; and or in English towns in particular, seaside towns and national trust areas.