The paper examines the 1990s as a decade of change within New Zealand's hou
sing policies. The decade has seen a radical restructuring of both the publ
ic institutions and instruments designed to deliver housing assistance. The
paper discusses both the nature of the reforms and their impact upon the h
ousing opportunities of low income households. It also assesses whether the
y have created greater choice for low income households and increased or de
creased housing-related poverty.