The vast majority of new housing built since 2000 has been bought by landlords

"Departmental figures show that the vast majority of new housing in the UK since the turn of the millennium has been bought by landlords. Between 2000 and 2012, the private rented sector has accounted for some 2.5 million of the extra homes. Only 400,000 have been bought by occupiers."

http://www.thetimes.co.uk/tto/life/property/article4311161.e ce?shareToken=15b2410d946d0a35bf4bb875d204d1d6

http://www.ccmb.co.uk/images/smiley_icons/yikes.gif

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

Buy to let is massive, where I work out if approx 1000 apartments at least 70% are rentals...

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

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I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

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I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

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If there is more rental accommodation available, then you would expect lower rents than if there were fewer rental units available.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

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Interest free mortgages? Charging interest against tax? Tax is charged on profits which is rental income less rental expense - as it should be.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

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Germany doesn't really gave a homebuyer market with most Germans renting. The rental market is very strong and provides great flexibility allowing the younger generation to move around freely

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Originally Posted by Feedback wrote on Sun, 04 January 2015 14:59

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

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You scare me feedback.

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Originally Posted by Mrs Steve R wrote on Sun, 04 January 2015 15:04

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Feedback wrote on Sun, 04 January 2015 14:59

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

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Why? The German market is very fluid. When at university my german colleagues couldn't understand the fixation with wanting to buy and be tied down.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

Reduces rents surely? I don't think there are any interest free mortgages available are there?

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As the supply of rental accommodation increases, so does the demand - as those unable to access mortgages or raise the sums needed to buy a property have found themselves trapped in rented housing for longer (or permanently!), driving up demand for rented homes.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

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Why is it a problem if people rent rather than buy?

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:05

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Mrs Steve R wrote on Sun, 04 January 2015 15:04

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Feedback wrote on Sun, 04 January 2015 14:59

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

Germany doesn't really gave a homebuyer market with most Germans renting. The rental market is very strong and provides great flexibility allowing the younger generation to move around freely

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http://www.ccmb.co.uk/images/smiley_icons/hehe.gif because you could make prison sound like a luxury time share in the Bahamas that's why. http://www.ccmb.co.uk/images/smiley_icons/hehe.gif

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Originally Posted by Mrs Steve R wrote on Sun, 04 January 2015 15:10

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:05

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Mrs Steve R wrote on Sun, 04 January 2015 15:04

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Feedback wrote on Sun, 04 January 2015 14:59

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

Germany doesn't really gave a homebuyer market with most Germans renting. The rental market is very strong and provides great flexibility allowing the younger generation to move around freely

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

You scare me feedback.

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Compared to living with a woman it probably is

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 12:28

"Departmental figures show that the vast majority of new housing in the UK since the turn of the millennium has been bought by landlords. Between 2000 and 2012, the private rented sector has accounted for some 2.5 million of the extra homes. Only 400,000 have been bought by occupiers."

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Thatcher the Milk Snatcher knew exactly what she was doing, her 'boys' were already primed for a piece of the action http://www.ccmb.co.uk/images/smiley_icons/thumbup.gif

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:07

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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I reckon in 30-40 years time, people will be far less able to leave an inheritance, something which was almost a given 30-40 years ago. Similarly with pensions.

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Originally Posted by Feedback wrote on Sun, 04 January 2015 14:59

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

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That said, it does have fairly robust tenancy rights - something I feel we are going to have to re-introduce in the UK.

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:07

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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Says Feedback who has bought his house .. another case of I'm all right, so **** everybody else http://www.ccmb.co.uk/images/smiley_icons/hehe.gif

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Originally Posted by Eric the Half a Bee wrote on Sun, 04 January 2015 15:22

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:07

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

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It's another massive con by the money lenders, do you really think that pile of rubble you live in is worth £250,000?

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:07

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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http://www.ccmb.co.uk/images/smiley_icons/shrug.gif

Only scanned briefly through the thread and the article - someone who's read both fully may be able to correct me.

From what I believe, no way in a million years has the 'vast majority of new housing built since 2000 has been bought by private landlords' (I know you haven't said that, but I've seen a few mentions of buy-to-let)

So surely this must include figures from the social rented sector - in essence the new council housing. Is there anything wrong with this? Not everyone wants to, or financially can own their own home - so I'm not sure that there is an issue here. Just a load of wealthy 'not-for-profit-but-incredibly-wealthy' housing associations boosting the numbers.

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Originally Posted by Gluteus Maximus wrote on Sun, 04 January 2015 15:29

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Eric the Half a Bee wrote on Sun, 04 January 2015 15:22

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:07

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

If there is more rental accommodation available, then you would expect lower rents than if there were fewer rental units available.

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It's interesting to consider a mate of mine living in Norway. He has a 4 bedroom house with a 2 bedroom flat downstairs that he rents. He lives in an idyllic spot, great neighbourhood, right by a fjord, 2 miles from one of the bigger towns in Norway. He reckons it is worth around £150k.

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Originally Posted by Gluteus Maximus wrote on Sun, 04 January 2015 15:29

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Eric the Half a Bee wrote on Sun, 04 January 2015 15:22

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:07

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

If there is more rental accommodation available, then you would expect lower rents than if there were fewer rental units available.

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It never is, but how much is the land? How much would it cost to bring in all the services if you was to do it yourself. It costs what it costs. Everyone's in the same boat/house.

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Originally Posted by Eric the Half a Bee wrote on Sun, 04 January 2015 15:22

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

Quote:

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:07

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

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Seems like thatchers flagship right to buy was a policy that allowed millions yo benefit from homeownership I'm sure you will agree

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Originally Posted by Gluteus Maximus wrote on Sun, 04 January 2015 15:24

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:07

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

Reduces rents surely? I don't think there are any interest free mortgages available are there?

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

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I rented when I was younger, it was no issue

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Originally Posted by WJ99mobile wrote on Sun, 04 January 2015 15:37

Only scanned briefly through the thread and the article - someone who's read both fully may be able to correct me.

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Linky

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Originally Posted by WJ99mobile wrote on Sun, 04 January 2015 15:49

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Gluteus Maximus wrote on Sun, 04 January 2015 15:29

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

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Originally Posted by Eric the Half a Bee wrote on Sun, 04 January 2015 15:22

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:07

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

Reduces rents surely? I don't think there are any interest free mortgages available are there?

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

If there is more rental accommodation available, then you would expect lower rents than if there were fewer rental units available.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

Ah - I see. Not sure I agree though.

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It costs what the money lenders want it to cost, working hand-in-hand with other 'interested parties.'

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:53

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Eric the Half a Bee wrote on Sun, 04 January 2015 15:22

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:07

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

If there is more rental accommodation available, then you would expect lower rents than if there were fewer rental units available.

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If that's all you think then I take it that you couldn't give a rat's arse.

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Originally Posted by Eric the Half a Bee wrote on Sun, 04 January 2015 16:02

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:53

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Eric the Half a Bee wrote on Sun, 04 January 2015 15:22

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:07

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

If there is more rental accommodation available, then you would expect lower rents than if there were fewer rental units available.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

Ah - I see. Not sure I agree though.

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You miss the point. You argue that renting is unfair because the fruits of your toils aren't yours and cannot be passed on to your children. I suggest that thatcher was instrumental in making this happen for millions - she was and it was the right thing to do.

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Originally Posted by Feedback wrote on Sfound it a problem v4 January 2015 15:07

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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Hypocritical or what ?

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Originally Posted by Mick the Miller wrote on Sun, 04 January 2015 16:36

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Feedback wrote on Sfound it a problem v4 January 2015 15:07

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

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Slight difference, Michael. How is it hypocritical?

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Originally Posted by Mick the Miller wrote on Sun, 04 January 2015 16:36

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Feedback wrote on Sfound it a problem v4 January 2015 15:07

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

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I never said he shouldn't rent, I said with his film star salary he really shouldn't be in social housing - he could afford to live elsewhere thus freeing up much needed social housing for those that really needed it

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Originally Posted by Feedback wrote on Sun, 04 January 2015 16:41

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Mick the Miller wrote on Sun, 04 January 2015 16:36

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

Quote:

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Originally Posted by Feedback wrote on Sfound it a problem v4 January 2015 15:07

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

If there is more rental accommodation available, then you would expect lower rents than if there were fewer rental units available.

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http://www.ccmb.co.uk/images/smiley_icons/rolleyes.gif

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:12

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Mrs Steve R wrote on Sun, 04 January 2015 15:10

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

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Originally Posted by Feedback wrote on Sun, 04 January 2015 15:05

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

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Originally Posted by Mrs Steve R wrote on Sun, 04 January 2015 15:04

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

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Originally Posted by Feedback wrote on Sun, 04 January 2015 14:59

Germany doesn't really gave a homebuyer market with most Germans renting. The rental market is very strong and provides great flexibility allowing the younger generation to move around freely

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

You scare me feedback.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

Why? The German market is very fluid. When at university my german colleagues couldn't understand the fixation with wanting to buy and be tied down.

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You don't have to live with yours, you do still have the right to do what you want.. for now http://www.ccmb.co.uk/images/smiley_icons/hehe.gif

Simple - why not vote for the political party that only allows 1 house ownership per person - and out right bans any company from stock piling houses - by taxing them out of existence.

If such a policy was what the people wanted then there will be a political party about to announce this - surely http://www.ccmb.co.uk/images/smiley_icons/sherlock.gif

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 16:54

One interesting thing about the housing market is that house building is usually higher in areas where there are generally more people renting. It's important to note that in terms of affordability just building homes is the best thing that you can do.

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Originally Posted by Feedback wrote on Sun, 04 January 2015 16:41

No question that just building homes is the answer - but it isn't going to happen in the short/medium term.

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Originally Posted by Mick the Miller wrote on Sun, 04 January 2015 16:36

In the meantime the buy-to-let market is benefiting from some serious advantages over the buy-to-occupy market. Interest free mortgages, offsetting mortgage interest against tax for example - available to the landlord, but not the owner occupier. This inevitably skews the market and pushes both rental and purchase prices skyward.

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Originally Posted by Feedback wrote on Sfound it a problem v4 January 2015 15:07

Perhaps it is time to recognise that the property-owning democracy dream is fading, and to address the lack of protection/tenancy rights currently afforded to tenants in the UK. Germany is usually mentioned at this point ....

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 15:06

Reduces rents surely? I don't think there are any interest free mortgages available are there?

Quote:

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:21

I agree thought that tenancy rights are an issue, I actually think a healthy rental market is really beneficial to both the economy and people's ability to live in a home that best suits their needs.

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 14:16

OOps! I meant interest only http://www.ccmb.co.uk/images/smiley_icons/getmycoat.gif

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 14:06

I'm not sure why you think rents would be reduced? The competition to buy from a shortage of housing stock is still very much present, but is just skewed heavily in favour of landlords. Have I missed something?

Quote:

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Originally Posted by Dr Tim Muff wrote on Sun, 04 January 2015 13:53

If there is more rental accommodation available, then you would expect lower rents than if there were fewer rental units available.

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Originally Posted by Ray Mears wrote on Sun, 04 January 2015 12:32

Ah - I see. Not sure I agree though.

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Where did I say he should buy it?

Food and shelter are basic human rights. You can tell a lot about people who aim to profit from it.

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Originally Posted by Gluteus Maximus wrote on Sun, 04 January 2015 17:59

Food and shelter are basic human rights. You can tell a lot about people who aim to profit from it.

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Don't you be collecting any rain water mind, it does not belong to you. http://www.ccmb.co.uk/images/smiley_icons/nono.gif

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Originally Posted by Gluteus Maximus wrote on Sun, 04 January 2015 17:59

Food and shelter are basic human rights. You can tell a lot about people who aim to profit from it.

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Should people build houses for others for free?