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This country has a huge reliance on the housing marketOriginally Posted by A Quiet Monkfish
The problem with that is there simply isn't enough low cost or reasonable rented housing out there
But low cost first time buyer housing has the drawbacks you point out
I would build as many council properties as possible but then unless you put sanctions in place people would buy them as soon as possible after the qualifying period
And then come crying to housing advice centres if they messed up their mortgage payments
The answer is to accept its ok to rent for a lower cost than a mortgage , you don't have to own your home , it's yours as long as you don't shoot the next door neighbour over parking !
And this older person has his 30-year-old daughter and her fiance living at home, marrying next year.This older person has a 30 year old son living at home, I can unequivocally assure you, I haven't lost touch of the reality of house pricesI don't vote for any politician, you will be older one day, I'd hope that those who come after you do not carry over your resentment.
Can't see how they're going to finance getting their own place any time soon.
I live on a newish build site where there about 5/6 different designs and shapes of houses. There was an identical house for rent that was 3x the monthly amount I pay for my mortgage. Not sure if I should sense a bit of comfort there, but it’s a scary thought for thinking about what I could afford to live in size wise and location if I didn’t buy.
I know couples choose to rent early on to see if they can get along with each other without being tied down to a mortgage that could get messy if it don’t work out.
But they are then trapped in the rental market in many cases unable to save for the deposit they need for house.
Luckily we made the decision to jump in feet first, gambled by just buying our house together and make the relationship work.
True, but rents have gone up for similar reasons. Thousands of buy-to-let landlords came to the market 10 -15yrs ago. since then they've abolished many tax benefits [available still to every other type of business] and with the Scottish, Welsh, and soon -English[UK] govts introducing landlord-bashing regulations, not only have landlords had to increase rent, especially if they're geared up to the hilt, but 30-40% have sold up in the last 5 yrs and half of the remaining ones are planning to. In Scotland 100's are chasing every property. Again, let's bash the landlords - they'll stay around. Er, no, they're not.
Who do these deserting landlords sell their properties to?
People have relied heavily on the private rented sector since the decline of the public housing stock
It's almost the 3rd path
It's a very important sector and sometimes it's peoples only chance of a home
It's a balancing act between ensuring people are in adequate housing with protected rents of fair cost ......both those ended with the Tories.......and people buying property get a return on their investment
If I ruled the world we would be building millions of council homes .....and they would never be allowed to be sold ......lots of housing association properties ......and the private rented sector would be for young professional people sharing houses , young childless couples and for people who are in housing need but not picked up by councils or housing associations
It's never going to happen but that should be what we aim for
every new build have to provide social / affordable housing stock, think it was 20% so they are getting built, they might be shared ownership ( which imho is a good thing, having worked for the council and housing associations, ive seen how a certain % of tenants treat their homes )
thankfully Long gone are the days of sprawling council estates and high-rise blocks of flats, as society's acceptable standards declined, so did they ( my grandparents lived in a council house, every Friday the rent man would come around, check the property over, tell them to cut the front hedge and collect the rent ), it worked back then
The mass council house system worked a treat, the decent families, who were very much in the majority, diluted the, shell we say less decent families. Kids of the latter mixing with the former could see that there was a better way of life than theirs. Many then took the right path and everyone benefitted. Obviously there was still the iffy ones but they were very much in the minority and easy to swerve.
The right to buy altered that scenario, the decent families took the bait and created ‘private’ estates within council estates. The dodgy families with no chance of borrowing the little needed were corralled into what’s now turned into, more or less, ghettoes, no go areas where they are now outnumbering and sometimes terrorising the few decent families. These areas are quite visible on estates in Cardiff, no hopers, drug dealers, dodgy characters abound. The right to buy plandid not work.
Another reason that woman introduced it, I believe, was a way of putting a financial noose around people’s necks. In those days if you came out of work and were council renting there was financial help available to tide you over. Not so easy if you had a monthly mortgage to pay. So you took a hell of a chance taking industrial action, working to rule, striking etc. It was all so wrong and the consequences are being felt now.
You can't blame council house renters for taking Thatcher's bait. I lived with my grandparents, who had lived in their council house since 1939. What were they supposed to do? Say no?
The reason large council estates were built were because of slum clearance and an increasing population
They needed to be built
The problem in some cases was how they were built
And we are going to have the same problem for the future generations
Even within Cardiff there are good council estates ......and Thatcher had no problem selling those council houses .......and estates or areas within estates where only the most very vulnerable end up living
And that's the problem with having houses being passed about as a way to make money .....its always those at the bottom that get shafted and left with feck all
Yes
I know plenty of people who refused to buy their council house and some have now passed on and the house is lived in by another family who needed it
If its a free country to make the choice to buy a council house its also someone's right to stay there and pay rent
I admire people who have done that . I think it's a decision to be lauded .
Your dam right and with interest rates rising again, they are just putting the 300/400k in the bank and having absolutely no hassle at all….meanwhile I have about 40/50 enquiries a day for a room
I work for a large developer and in the main there are no ‘land banks’.
1000’s of new homes are currently being built to the north and west of Cardiff, out to the west in particular there are miles of them off llantrisant rd towards st.Fagans and creigiau. I wonder how many council houses are amongst them all? 20,000 new houses?
I know in the Vale all PLC new build estates have to have up to 40% social housing (under section 106 agreements) in addition most RSL’s will be developing their own schemes.
I believe Plasdwr (areas on/around Llantrisant Road) has up to 30%.
interesting take on it and you could well be right, Im too young to remember the " good old days of council estates " that my grandparents knew, I worked on council houses and in the 90's the oldies would always moan about todays Tenants, they told me stories like I listed above, people fearing the rent man, not because they couldnt pay rent but that the hedge was untidy, the front room was a mess, it would always make me smile, as I might have just come from a house where they let the dog crap on the floor
The old golden days were long gone imho, I always thought that a % newer younger generation just didnt care, so when the kids were growing up, they saw the parents not caring, so the kids didnt care either, this meant the " decent families " were outnumbered and either exercised the right to buy and then moved on out ASAP or just moved out, which meant only the real desperate would move in
though of course, saying all of that, we all know decent people and families did well on estates, which imho is a credit to themselves
you could well be right again, but it also gave the working class person a leg up, a chance to own a house, it must have inspired many to push themselves, buy the house, struggle a bit, push themselves in the work place, extra overtime, go for promotion, get a better job, work on up the social ladder that at the time was important to some
my uncle purchased his parents house for them, they didnt want it, were happy renting from the council, but he saw the idea to make money from it
of course they were going to take the bait, it was human nature back then to aspire to better one selves , that was the way it was, but they have to take some of the blame, as some saw it as a nice quick way to make some money, sell as soon as thy could, human nature I guess
Plenty of people didn't take the bait
Not everybody is swayed by money and material things
The consequences of someone buying a council was that there was one less left for the council to offer to the next family who were struggling
That's what council houses were for ....to help house those who were unable to buy
People can try and justify the situation as much as they want but it doesn't wash
Too simplistic Sludge. Rents were rising and it was a lot cheaper to buy your home if you lived in a council house, there were discounts added for long term Tennants which made it very difficult to turn down for plenty of people, it wasn't their fault that the main reason behind the scheme was to privatise local authority housing stock. I can remember when my mother wanted to buy ours due to the reasons given. 1986 i think it was, it caused murder with my father and almost split them up. There are 14500 council houses left in Cardiff, with the biggest percentage in Ely. Cardiff City Council are very active buying Council housing back.
The reason why it was cheaper to buy your home was because there were huge discounts off
And it's no surprise that houses on NICE council estates sold whereas others didn't , leaving run down , poor quality housing
But I suppose as long as you got that nice council house who cares ?
i'm sorry but this isn't a unique British issue, you can talk about council house sales, land hoarding, and all other theories in between, above, and below, but why can't kids in Tokyo, San Francisco, New York, Budapest, Barcelona, Ho Chi Minh buy a house?
I challenge you to google any country, city, village with the prefix, can young people afford to buy house in .......This in not a local issue
It's not unique to the UK - unaffordable housing (to rent or buy) is a feature of Hong Kong, Australia, New Zealand, Canada, part of the USA and the UK in particular - but the UK is the outlier (in a bad way) in Europe.
When housing becomes an asset, not a place to live, and where public rented housing is looked down on (as happened from the 1980s in the UK - although not before, and usually not in Europe) problems build.
It is made worse when affordable public housing is privatised (via the Right To Buy and on-sale to private landlords) and turned into unaffordable private housing. High rents (like low wages) are then subsidised by tax payers via the benefits system to enrich bad employers and leaching landlords (especially the buy-to-rent mega landlords). I know not all private landlords fit that picture - I know a few myself and have read the posts on here from landlords with a few properties who are facing rising costs and insecure income - but a large number do.
Have you bought a house?
It was obviously to stimulate the economy, in itself, offering someone who may have rented for many years the opportunity to buy their own house at a discount isn't a bad thing to do.
I agree they should least 50% should have been replaced, and there should have been strict rules on who could buy, not uncles, sons and daughters, and council workers buying to make a big profit.
As always the idea was good, but as always some people will spot the opportunity to make a fast buck!
It won't your lot is greedier than ever but most lack the work ethic that the older generations had, you'll just continue to sulk and cry it's not fair, to give me a political party that will tax the wealthy more, and give more to me!
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