Packed with highly informative data and analysis, this Housing LIN Viewpoint no 56 shows that the market for housing providers is going through a traumatic time. It argues that major changes are needed in attitudes to ageing, employment and savings amongst other things. A major shift, and one that is likely to happen sooner rather than later, are attitudes towards housing and the wealth tied up in bricks and mortar. But there is much spin when it comes to talking about housing, in particular, the extent to which housing wealth can support care costs in later life. So, whilst there is no doubt times are challenging, this changing context and nature of housing wealth may also provide the opportunities for positive change for the housing sector.