The ward councilor informed the delegation that a challenge was experienced with backyard dwellers that could not be properly quantified, as their number continued to fluctuate. There were people in the gap market, such as nurses and teachers, who were not accommodated in the low-cost housing programmes. Therefore, there was a need to disburse R1 billion that had been set aside to serve as a guarantee to banks when people from the gap market applied for home loans. The councilor also stated that it would be appreciated if the employers could play a meaningful role in assisting their employees to access housing finance.