This book provides a comprehensive synthesis of various innovations and instruments in low and moderate incomes housing. It focuses on the issue of affordability, accessibility and sustainability, with special reference to housing finance. It illustrates the principal instruments, innovations and policies in housing provision and housing finance; from specialised housing finance institutions to community based financing initiatives; from mortgage finance to housing microfinance, from self-build to cooperative approaches; from market driven instruments to government-led initiatives; from revolving funds to credit enhancements; from experiences of individual countries to practices multilateral institutions; from developing countries to developed countries; from specific instruments and methods to the improvements of systems. It aims to provide an all in one synthesis of tools and experiences and practices in housing provision and housing finance for low and moderate income households.