Abstract
As a result of the poor economic climate and neo-liberal policies, the welfare state in many European countries is becoming more residual and is directing its efforts at seriously deprived households. This development is affecting the middle-income groups, who enjoy less protection than before and are therefore forced to become more self-supporting. We can find a good illustration of this trend in the changing position of these groups on the Dutch housing market. The market orientated EU policies are denying middle-income households access to the social rented sector. Meantime, these households are already encountering accessibility problems in the owner-occupied sector due to the economic crisis and the tougher mortgage conditions set by the financial institutions. This paper describes the housing policy changes against this background and analyses the position of middle-income groups on the Dutch housing market.
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