To be angry that this government has further shafted everyone bar homeowners

[Kitchendisco73]

The eviction ban ends and the prediction is that about a million people who rent will be in trouble and at risk of losing their home.

Alongside that, the government has also shafted anyone who is a first time buyer by creating a fake housing boom using help to buy and the stamp duty holiday as prices have risen so much, those who it was allegedly meant to help are priced out.

In Cornwall, I read there were 10,000 air Bnb properties but 62 for long term rent for local families.

www.theguardian.com/business/2021/jun/01/bank-of-england-monitors-uk-housing-boom-as-it-weighs-inflation-risk-dave-ramsden-covid

It’s entirely possible that there is a big housing crash coming too thanks to inflationary pressures.

Aibu to be angry- it’s just truly appalling and impossible for anyone (millions of people) who can’t get on the property ladder. Surely this madness has to end soon? You can’t just protect homeowners at the expense of everyone else. I am tired of the rampant inequality in this country.

The eviction ban can’t stay forever, just as mortgage holidays can’t either. Both were needed when the pandemic first started but things have settled now.*
This, also its not easy buying a home, it never has been, i bought as a 1 parent family working 3 jobs no washing machine, second hand fridge and cooker no TV, no it wasnt the olden days, i cut my cloth accordingly at mortgage rate of 16.5%, we all struggle/struggled to buy one way or another to get a foot on the ladder.

The eviction ban can’t stay forever

Banning Section 21 no fault evictions was a promise made in the 2019 election manifesto.

This, also its not easy buying a home, it never has been

It used to be no more than 3 or at most 4 times the salary. That's no longer the case - which puts it ever more out of reach for many.

mortgage rate of 16.5

So higher savings rate too - to build a healthy deposit.

Why do you want millions of your tax money to go on housing homeless vulnerable adults and children in very expensive temporary accommodation?

Out of interest. In London, cockney has been diluted by a rich diverse mix of communities from around the world. There's no affordable housing in London so I assume many recent migrants might be housed elsewhere. If that was North Wales, would you not welcome the opportunity of diversity even if it meant some dilution? It wouldn't have to mean erasing Welsh. The new and old could work together?

The difference is though that Cockney is a regional dialect whereas wales/welsh is a different language and culture and country. Wales isn’t a region- it’s a different country! In France, when Brits move in, it doesn’t dilute the French- they learn the language. The same thing should apply in Wales.

@Iggly

Housing has been broken for years. Starting back with the sale of council homes and the demonisation of council house tenants. Alongside that the incredibly insecure private rental market.

Is it a coincidence that most MPs are also landlords? That so many MPs own their homes and have second homes etc?

They don’t understand the needs of most of the population and they don’t want to make things better for renters because it will make things worse for them as landlords.

Furthermore, house building companies whisper in the ears of politicians and talk about the need to retain profits etc etc. As a result, policies are aimed at benefiting the profits of house builders.

We don’t have a physical housing shortage - we have a shortage of affordable housing. Ie if more properties were affordable, we wouldn’t need to build so many and we couldn’t need all these stupid schemes to prop up house prices.

It would be better to have a better social housing provision. Cut out the middle man, which takes a huge profit, and let local government provide and, where necessary, build houses. They can rent them out securely and easily recoup the cost.

This country’s housing market has been privatised and taken over by so many rich property speculators that those at the sharp end are suffering as a result, all to maintain their profits.

Spot on Iggly,

housing was expensive but do-able on one salary when we bought in the early 80's , it was a real struggle after we had children when interest rates seemed to go up every other month and were around 18% , but the house was our home.

Right to buy lost us all the council houses and no councils were permitted to rebuild , buy-to-let was a ticket for some to take advantage of the easy to obtain mortgages at the time and the owners have become rich having poorer tenants paying their bills.

The abolition of the Fair Rent Act was another cynical move and now we are all stuck.

We would love to be able to downsize , primarily to help our kids who haven't a hope in hell of buying , but we are pensioners on small incomes and the costs involved are too much.
Only when we die will the kids get anything , but if we have to go into care they will get nothing.

I do know that we are very fortunate not to have to pay a mortgage or rent now and I am extremely concerned for the many renters who are having to work even into their 80's to pay a rent that can increase at any time.

So thank you Tories ...since the 80's the only things that you have conserved are your bank balances...

Yes people who buy may have cut their cloth but nowadays how do you ecpect an average couple who are renting to save the average deposit of 30 grand in a reasonable time when rent is so high ? Come on people...you are deluded if you think it's possible for the majority without having a shit quality of life for 10 years.
My parents bought their houses and although they both worked hard they did NOT have to save a 30,000deposit 1st.
I am very lucky that I have finally bought with dp...how can I afford it? MIL and my great aunt died leaving us inheritances.
Dp lived on a barge with his ex as a young man as they couldn't afford a mortgage and both were in ft jobs.

New build estate near where I live, planning permission granted based on the fact the houses are for families only, and not to be bought and rented out to students. Instead, the parents are buying up the houses before they're finished being built, and then their student children and their friends are moving in whilst at the local University, meaning families are priced out of the area.

@PixieDust28

YANBU. It was all about home owners. It's just the way isn't it. Helping the ones that they government see as wealthier 'the rich stay rich'.

Home owners aren’t always wealthier tho This govt hasn’t given a care about many people tbh ..... housing and renters esp, cladding issue, education, food banks..... to name a few issues!

YANBU for being upset at the way govt policy creates house price inflation and fails to provide for local buyers.

YABU to want the eviction ban to continue. Some people haven’t paid rent for over a year, while trashing the property, just because they could get away with it. The landlords have a right to get rid of them.

Landlords aren’t all posh second home types. I know an old man who lives in a bedsit and his sole pension is the rent from a tiny house he owns. If they stop paying rent his income goes to zero.

If they stop paying rent his income goes to zero

No state pension?

"Government shafted"

In the last year, the Government has provided during a pandemic, extra payments to the unemployed, paid furlough, payments to self employed, must have put in a good word to banks for mortgage holidays, kept NHS running, kept the economy running, vaccination rollout, transport, education etc

What would you have done differently ?

Everyone is in this together from age 0 to 120

It has been a difficult year, some things have not been perfect, but we have survived so far !

It is not all about the Government, people have to make their own choices too

Yeah nevermind the child care and other essential things like sleep...and perhaps... exercise. And people complain about people being overweight through being 'lazy'
If being a home owner means so much to you, wait until you become one before you have children.
If being a home owner means so much to you, give up exercising and leisure time for a few years in your life.
These are the sacrifices that many if not most home owners have made.

I'm talking No Fault evictions. If tweaks need to be made to Section 8, we do that. We don't need Section 21
Most landlords use Section 21 because it is easier than using section 8 at the moment. Most evictions do occur because of reasons for which section 8 apply. Or to sell or move back in, which are perfectly legitimate in most cases.

The only reason for stopping Section 21 is unjustifiable revenge evictions. I expect these are a very low number compared to evictions that are perfectly justified.

Difference is, nobody has to be a landlord. Many tenants don't have a choice
And get rid of landlords, and tenants will have even less of a choice.

Add in a Covid Rent Arrears Fund and tweaked Section 8 to allow landlords to evict for genuine reasons. There is no need for Section 21
Landlords don't care which section they need to apply to get their property, they just need an efficient process to do so when they have a good reason to claim their property back. This is not the issue.

Or a cap on the amount a private landlord can charge in rent
I totally agree on this as long as it reflects the outgoing and taxes imposed on landlords. As already said, more and more landlords are selling up because they can't make any profit and they get a better deal and much much less hassle investing elsewhere. You then end up with a lack of rental properties for all those who do want to rent and not buy.

Yet every younger person I've asked has told me the same - they all want a spanking new property to move into and are willing to pay inflated prices for it.

As a younger person, I'd like to disabuse you of this notion. I don't want a spanking new property. They are often cramped and poorly built. Round where I am there are huge issues with cladding on the new high rise apartment buildings and after Grenfell and a couple of smaller incidents on my door step I wouldn't touch one of these with a barge pole, I'd rather rent.

If it comes to the point where I really need to buy and I can't do it on my own, I would use the govt Help To Buy equity loan to buy a new build (which is all they're eligible for) identikit house with a postage stamp footprint, but I'd rather NOT do that. A few of my friends own one and these sprawling new build estates are nothing but trouble for them - the houses and roads are of poor quality, one couple have had dreadful problems, and the properties are so crowded together they say it's oppressive.

Given a choice, I'd rather wait and buy a decent quality property which isn't A) going to go up in flames or B) suffer from subsidence within 18 months. I'm a picky bugger, me.

Yes people who buy may have cut their cloth but nowadays how do you ecpect an average couple who are renting to save the average deposit of 30 grand in a reasonable time when rent is so high ?
30 grand? For what? A nice 3 bed semi detached in a very nice neighbourhood? Yes, probably, but not to save for a flat in a not so nice area.

The problem is there. People want a nice home in a nice area. They can't afford it so they rent. They get used to a nice house and then lament because they can't afford to buy the same. They could however afford a flat but they don't want to take that step back.

This is exactly the situation my neighbours are in. They moved when she was pregnant. Lovely two bed house in with a large garden is a sought after area. In the meantime, they went on to have another child and yet another. She's a SAHM, he works in a minimum wage job. If they'd stuck to the one child, who is now 12, she could be back working FT and with both their income, they could afford a 2 bed flat, and after a few years and a promotion each, a small house. Instead, they chose more kids, whilst renting, so less options to save for a deposit, earn enough of an income for a house large enough. They blame the government, I blame their poor choices.

"Government shafted"

I am going to add

I have as many others have, worked all through the pandemic
So I've paid my taxes into the communal pot
I don't resent this & I hope that the economy keeps going & that people retain their employment & businesses

However, I agree with viviansomnia, we all make choices

@vivainsomnia

Yes people who buy may have cut their cloth but nowadays how do you ecpect an average couple who are renting to save the average deposit of 30 grand in a reasonable time when rent is so high ? 30 grand? For what? A nice 3 bed semi detached in a very nice neighbourhood? Yes, probably, but not to save for a flat in a not so nice area.

The problem is there. People want a nice home in a nice area. They can't afford it so they rent. They get used to a nice house and then lament because they can't afford to buy the same. They could however afford a flat but they don't want to take that step back.

This is exactly the situation my neighbours are in. They moved when she was pregnant. Lovely two bed house in with a large garden is a sought after area. In the meantime, they went on to have another child and yet another. She's a SAHM, he works in a minimum wage job. If they'd stuck to the one child, who is now 12, she could be back working FT and with both their income, they could afford a 2 bed flat, and after a few years and a promotion each, a small house. Instead, they chose more kids, whilst renting, so less options to save for a deposit, earn enough of an income for a house large enough. They blame the government, I blame their poor choices.

You base your whole assessment on one couple

We don’t have a physical housing shortage - we have a shortage of affordable housing. Ie if more properties were affordable, we wouldn’t need to build so many and we couldn’t need all these stupid schemes to prop up house prices.

Spot on!

You base your whole assessment on one couple

It was to illustrate that having children impairs your ability to buy a house. Impossible to disagree with and the reason people who plan don’t tend to do it.

There isn't a housing shortage.there are 500,000 abandoned houses.

It was to illustrate that having children impairs your ability to buy a house. Impossible to disagree with and the reason people who plan don’t tend to do it
Absolutely and because they are the people who go on moaning and blaming the government just like posters are on this thread.

Books is denying that becoming a home owner is hard, and probably more than ever, but it is still accessible to anyone making it a priority, makes compromises and start small. The issue is the people want it without any of the compromises and then resent those who did.

@vivainsomnia

There are not that many cheap run down properties compared to the numbers in rent but who want to buy.
Especially in the areas where there are jobs or family support networks.

You paint a totally unrealistic picture of potential homeownership, place the blame solely on people and their feckless life styles.

Affordable home prices in Cornwall are between 120k and 180k, the average wage is 19k.

Cornwall faces shortages of care staff to the extent that adult social care has had to stop for about 100 people in rural areas, so many young people have had to leave the county because of rising property prices and whilst you'll doubtless show us all a 1 bedroomed flat in Cambourne for 80k, its extremely rare.

There isn't a housing shortage. there are 500,000 abandoned houses

Most are investment properties, they aren't abandoned and would you support compulsory purchase? who would pay for this?

Wouldn't it be better to just re introduce social housing?

Also there are building plots - London Underground has loads. I cannot find the link for builders I saw last year but there were loads up for tender. The issue was more than due to costs of Labour etc in London to buy the land and sell the homes nad make a profit the house costs more in London than most people can afford (which is one reason my son bought a new build in Oxfordshire for about £303k - detached 2 bathrooms plus downstairs cloakroom, garage). I did find this www.mylondon.news/news/local-news/find-out-exactly-whats-being-18423024

If office workers can be sure they can work from home for the future then they could move to unpopular areas such as the UK's seaside towns, Sunderland where my mothers is from etc and we could help solve the problem of housing those on low incomes. The BBC had a good article I read yesterday about housing over the decades. www.bbc.co.uk/news/extra/iZKMPd0wjP/council_housing

If office workers can be sure they can work from home for the future then they could move to unpopular areas such as the UK's seaside towns, Sunderland where my mothers is from etc and we could help solve the problem of housing those on low incomes

Yes that will work for the many workers we need in more popular and expensive areas, such as HCA's nurses, para medics, shop workers, teacher assistants, carers, van drivers etc etc
whilst homeworkers can work where ever there is decent internet, it certainly doesn't work for everyone else.

That article highlights the importance of council housing and why its vital to bring it back again.

You paint a totally unrealistic picture of potential homeownership, place the blame solely on people and their feckless life styles
Not at all. You refer to a 80k flat. 2 people working FT will be able to borrow more than that. Are you saying there are no flats for 20k? My OH bought his first property, a flat, with a friend of his. That was the first step to being on the property ladder.

It really is possible for the vast majority of people who make buying a property their first priority in adulthood. However you turn it around, it is down to choice for most.

Not at all. You refer to a 80k flat. 2 people working FT will be able to borrow more than that

What about childcare costs, commuting cost and other costs of living?

House prices far far exceed salaries. Coupled with the doubling down banks who’ve boarded the billions of pounds they were bailed out for the mistakes of their gambling divisions.

*hoarded not boarded