We have seen analysis that suggests this bill leads up to 100,000 homes being built over the next eight years and prevents around $198 billion of wealth transfer to landlords and speculators, but we do have to ask what will this actually mean for the grassroots, for w'ānau on benefits, for those trying to break into the housing market, and those trying to become homeowners, because increasing housing supply is one thing, but who supplies that housing is another matter entirely. Without building more social and State houses, the best we can expect from this bill is to slow the increase in rents and lower the costs of homeownership by creating more competition for speculators and landlords. It will also make it easier for people to get into the private rental properties. 