We're here in central London,
just steps from Downing Street, and this is is horse guards parade here.
Over here is the Old War Office.
It's where Sir Winston Churchill directed the second world war.
It's been one of London's most famous landmarks for more than 100 years.
It's even featured in several James Bond films, as the fictional home of MI6.
'Wow.'
I didn't even know you could come up here.
Now it's being converted into a Raffles five-star hotel and serviced apartments for overseas multimillionaires.
They're going to be expensive.
A four-bedroom flat has sold for £40m pounds.
They're going to have it all.
There's going to be an underground swimming pool,
three gym studios, a spa, a 16-seat cinema,
but what there's not going to be is any affordable housing.
There's more than 4,000 people on Westminster's affordable homes waiting list.
We're on our way to go meet one of them now, Tommy.
He's been trying to get a council house since he was 19.
Tommy currently lives in his late Aunt Pam's flat.
He fears being evicted,
because he says he wasn't on the council's books before she died.
'Hiya, it's Rupert from The Guardian.'
'Nice to meet you.'
'How's it going?'
'Nice to meet you Sir.'
I've had damp all the way up here,
I've had damp on the ceilings, I've had water leak,
I've had a sewage leak which was diarrhea,
you name everything coming through. It destroyed the whole property.
All in the toilet, it goes all the way through as well.
It went next door into my cupboard as well, destroyed inside my cupboard there.
It was coming all out of here, all this is all busted.
In the hot weather, you can actually smell
where all the rubbish and all the poo and everything
went down the back of the column, so you could still smell it in the summer.
That's bad.
This situation is terrible.
You're born in Westminster?
Yes, correct.
They're not offering you an affordable home in Westminster,
- No. You have to go to a different borough?
No, I tried to seal in this property and they just refused me straight away.
They want to put me in a place in Neasden, which is a studio flat,
even though that I've been in the borough all my life,
even though I've got family here, my kids here, I've got friends here,
I've made –
Everyone around here I know.
What will you do if one day the bailiffs come?
There's nothing I can do.
They'll chuck me out, what can I do?
I can't do this anymore, it's hard, I can't.
I just want to give up.
I seriously just want to give up and just walk away,
because that's what they do to you.
They put you under that, so much strain,
that you want to walk away.
The Hinduja brothers who are behind the development
are Britain's richest people, with an estimated fortune of £28.5bn.
They also have property in Westminster.
They bought this series of terrace houses overlooking The Mall just by Buckingham Palace.
Under planning policies designed to increase the amount of affordable housing,
to help tackle the housing crisis,
all new developments should include at least 30% affordable housing.
In this case, there should be space for 98 affordable flats in there,
but actually there's not going to be any.
The developers said it's unviable to have affordable housing
next to homes for multimillionaires.
Under the rules if you're not going to build affordable housing on site,
you must make a donation to Westminster council's affordable housing fund.
In this case, the donation should have been £39.6m,
but the Hinduja brothers hired a viability consultant
who said actually in this case a £10m donation would be generous.
Westminster council, which at the time was run by the conservatives,
accepted the £10m as a generous contribution.
The council, which is now under Labour's control, says they can't reverse the decision.
There is a big new development in Westminster down by Downing Street.
I'll show you.
A four-bedroom flat in here sold for £40m.
Spare change then?
Yeah.
Under the law they should include 98 affordable flats in here,
but they're not going to build any.
This is what people don't like.
People don't like seeing this,
you know, it upsets them when people have to try and fight for their property
and especially when they're trying to get people to help them out
and they're in the lower class, we can't do nothing about that.
We're doing our best just to survive, we're all human.
You know, in the next hundred years there's going to be no one in London
except for all rich people.
It's sad, it is sad.
I'm seriously worried.
If people do start leaving London because of the lack of affordable housing,
that's going to affect our teachers, nurses,
care workers, rubbish collectors, thousands of key workers.
I'm a nurse and I live in nurses' accommodation in Westminster.
There's like 12 residents and we share bathrooms and toilets.
How long have you lived in Westminster?
About 25 years.
Wow.
Yeah.
OK.
But I think now I'm gonna have to move out.
Out of London?
Yeah.
Because it's too expensive to live in London?
Well it's just trying to get affordable housing.
Yeah.
You're a nurse and are other nursing colleagues leaving London because –
Yeah.
They can't get housing?
Yeah.
There's quite a few.
I think people are just getting fed up.
But how will London function if you and all the other nurses leave?
Well it won't,
there's a shortage now so the problems are happening.
Soon there'll be even more multimillionaires in London,
when they start moving into the development that you can see there with the two towers
and remember there'll be no affordable housing
and this comes at a time when there's already 4,000 people,
just in this borough, waiting for affordable housing.
And as inflation and the cost of living crisis gets worse
there'll be even more people who are struggling to find somewhere to live in the capital.