Ownership of the real estate is the key to the people having real wealth. If the nobles own everything and rent to everyone else, everyone else is a financial slave. I heard a story about some Lithuanian immigrants to came to Florida (my home state) after WW2.
In their home country the peasants were never allowed to own property. When they moved here they found out that regular people could buy real estate. They worked real hard and bought all the properties they could in St Pete Beach, Florida. Rentals, motels, land where shopping centers were built. They started their own credit union. All because in America regular people can buy and sell real property. What if people in UK were to do crowd funding or set up a sort of REIT to gather capital to buy cash instead of borrow and inflated rates? Does UK have foreclosure sales? Where the bank/lender will sell properties that were failed loans to investors, usually for a very good price. Also some people will form non-profit organizations to fix up properties rent to the poor or resell to people who need help buying a home. I am no expert, just throwing out some ideas.