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Guest post: "I am a victim of the housing crisis - why is nobody offering a sustainable solution?"

75 replies

MumsnetGuestPosts · 29/04/2015 17:17

This election is extraordinary because for the first time in a very long time, housing is a top issue. All the political parties have something to say about it and are making pledges left, right and centre. But what exactly is being offered, and are these promises likely to lead to a real solution to the housing mess many of us find ourselves living in?

The housing crisis is a multifaceted thing, and my situation represents just one of those faces. My renter profile is familiar: professional in full-time employment; over 40; married with young children; a long-term private renter. I know there are a lot of people like me. Judging by the type of pledges made, I also surmise that politicians find this group the easiest to ‘deal with’. Maybe that's because we appear to fit nicely into the ‘hardworking family’ rhetoric with which they are so enamoured, or maybe they think us likely to vote.

Let's start off with that ‘private renter’ aspect of my profile. Labour talk of making three year tenancies standard, thereby reducing the number of moves within the sector, and limiting rent rises to the rate of inflation over a three year period. They say they'll also regulate the sector through a register of landlords and the (mildly) punitive treatment of ‘rogue landlords’ who keep poorly maintained properties. The Lib Dems place some focus on rental properties too, saying they will force landlords to adequately insulate properties. The Greens promise five year tenancies and capped rents. The Tories, meanwhile, have said nothing. The cynic in me might wonder how effective any of these policies will be, but at least they are a good first step towards building a better and more equal private rental sector.

Helping private renters is one thing, but when it comes to first time buyers, the parties have come out all guns blazing. There is a whole array of promises on offer designed to provide me with what politicians think I want and so will be swayed to vote for - a home of my own. The Conservatives are pledging 200,000 new homes specifically for first time buyers under 40 at a 20% discount. They want to help me to save a deposit through an ISA and they will continue their Help To Buy scheme which allows smaller deposits and lower repayments for a set period of time. Not wishing to be outdone, Labour want to give those who've lived in an area for three years first choice of 50% of the new builds in an area. In addition, they intend to suspend the payment of stamp duty for three years for first time buyers on properties up to £300k.

None of this is much good to me though: I'm over 40; I have no money to save because I'm paying rent and have a family; haven’t lived in the same area for three years because being a private renter means I have to move a lot; and won’t be able to raise the mortgage required thanks to my huge monthly outgoings which will be scrutinized in accordance with stricter lending rules. For me - and I imagine for lots of you – the first time buyer promises are of little practical use.

However, the glaring problem with all of these promises is that whilst they might help a few people on an individual level, they won’t manage the crisis as a whole. The overwhelming focus on first time buyers seems to ignore the fact that this housing crisis is not all about them. It's also people like Janice, who lives with her family in a room in a homeless hostel and has done for five and a half years. What's on offer for her? Or people like Stacie, living with leukaemia in the private rental sector with her daughter who has severe disabilities and yet still unable to get to the top of a social housing list to access suitable accommodation. Or Jasmin, who was forced out of the London borough she has known all her life by extortionate rents. These people are affected by this crisis too, but they are so much less attractive in terms of policy making, it seems. This much I know: the solution to their housing crises are the solution to mine too.

The political parties are right to identify me as an aspiring homeowner, but they are wrong to class me an individualist. Along with the worries I have about my family's immediate situation I have other broader concerns linked to the situations Janice, Stacie and Jasmin and many others find themselves in. Those will not be alleviated by helping me to buy a house or to remain in my privately rented house, but by building more - and particularly building more social and genuinely affordable housing - and that is something none of the major parties seem willing to commit to, with the exception of the Greens. What the mainstream parties consistently fail to realise is that as much as people care about ‘me and mine’, they also care about what happens to their neighbours and in their communities. Who is offering us a housing solution that doesn't leave hundreds of thousands of people still floundering? That doesn't mean others lose when people like me gain? Nobody, as far as I can see.

OP posts:
fielsted · 29/04/2015 22:14

alwaysstaytoolong - I too have accepted that I will rent privately forever but that doesn't mean that I think it right and that I don't want something better, fairer and easier for those who struggle with private renting or indeed for my children when they get older.

stubbornstains · 29/04/2015 22:18

(bumps fists with laska)

We haven't got any land yet....just had our AGM last night Smile. Land acquisition is the next step, which will hopefully proceed this summer. There are various sites under consideration (one of which is offered for freeee!, some at special rates, some at market rates), but we have to work out which we would get planning permission on. The council do view applications from CLTs more favourably though, so fingers crossed....

fielsted · 29/04/2015 22:25

'There is one point I don't agree with and that is your point about the lady who was forced out of her area by high rents. These days, people have to move to where they can get a job/afford to live. Nobody has a "right" to live in the area where they grew up, that is idealism.' I really feel fleecyleesythat while it seems we need to move, that doesn't mean it's OK. In the article which mentions Jasmin you'll see mention of an elderly lady forced to relocate from London to Manchester leaving behind her history and her support networks. Surely thinking that is not right is not 'idealism'? Surely thinking that is not right is human and compassionate?

Laska42 · 29/04/2015 22:28

stubbon within or abutting/immediately adjacent to the exisiting development envelope is most likely to get permission .. Talk to planners first about the proposed site and make sure you look at your Council's (and the parish council's) local plan.
Make sure you have (or do) a local housing needs survey and that your scheme meets the mix identified on that Do consider traffic flow and proximity to schools etc, (im sure you know all of this Grin).

fielsted · 29/04/2015 22:29

cherriesandapples Sorry but it's all too easy to blame immigration but it's not the issue here and it's really not helpful. Stocks of council housing and social housing have been severely depleted-that is the problem.

RunOrKick · 29/04/2015 23:41

Well said Fiona

Cherriesandapples · 30/04/2015 04:13

Fielsted. I didn't just blame immigration if you read my earlier post. I said there were various problems. A 10 million rise in population (census), mostly due to immigration has no effect on the housing market. If people can't even admit that then no wonder we have a housing crisis!

lastnightiwenttomanderley · 30/04/2015 05:39

It's also worth mentioning the effect that a rising marriage (or cohabitation) age and the divorce rate has on housing demand.

People are more likely to live alone for a period unlike my parents generation who would often go straight from.the family house into a marital home. At the other end, when relationships break down people often want to enjoy the same amount and quality of space they have become used to, particularly if there are children involved who have bedrooms in each patents house.

I am in absolutely no way advocating that people stay in unhappy situations because of this - it is the way the world has progressed. It does have an.additional impact on housing demand though and needs to be acknowledged along with all of the other factors increasing demand.

The short answer is that we need to build more housing.

Another problem with that being who's going to build it? I'm a construction.professional and recently most of the labourers I encounter are non.UK born. This is not about undercutting wages -they are paid handsomely as there simply aren't any people with similar skills out there! All credit to them, imo. I could probably earn more right now as a brickie than a chartered engineer designing multi million pound buildings.

WidowWadman · 30/04/2015 06:52

cherryapples - unless you're only talking about immigration from commonwealth countries I can't see how it would have given anyone "a supply of voters". Immigrants who are not commonwealth citizens can't vote in general elections unless they naturalise, which they can only do after 5 years at the earliest.

AbhyA · 30/04/2015 08:21

very true

Cherriesandapples · 30/04/2015 08:27

BME populations tend to vote for Labour more than Conservatives.

Maliceaforethought · 30/04/2015 08:48

This reply has been deleted

Message withdrawn at poster's request.

Cherriesandapples · 30/04/2015 09:31

Yes, people under occupy or don't even occupy in a country with a high density population.

Cherriesandapples · 30/04/2015 10:05

Anyway Fiona, you can hardly call yourself a victim. If you are in forties and in full time employment you had ample time to get on the property ladder even in London before having children and before everything became unaffordable. I did and I am a just a public sector worker. It was hard and I know I was living on less money than the people I was seeing who were on benefits. Now I have security. What were you doing? Living it up no doubt! The real victims are the very poor who are being forced out of London as you say in your OP and the generation younger than us. Our generation just sat around in wine bars whilst The Champagne socialists destroyed the future of our yet unborn children.

fielsted · 30/04/2015 10:53

cherriesandapples Actually I didn't call myself a victim. The mumsnet team wrote the title. This piece is actually how others need more help than me but I have looked at the FTB policies to show how they don't help as much as it may seem. Thanks.

pinetree2203 · 30/04/2015 10:56

This post really annoys. Lets blame everyone else shall we? how about people accept some responsibility for their lives? We dont live in London, we moved as we couldnt afford it. I would love to live there but it's just not possible, I didnt have children until I had made a career and had enough money to buy a house. And saved for 10 years, no one gave me the money for my deposit. I had to sacrifice holidays, meals out and shopping. So dont go blaming the government because they cant fix your life, thats not their job. Yes, I'm sure they should be doing something to help people but they are not going to do it so stop feeling sorry for yourself and do something about it

cestlavielife · 30/04/2015 11:03

the vast majority of so called first time buyer properties seem to be new build one to two bedroom flats, supposed to "get on the ladder"....this will likely mean families stuck as now in small properties. much of the "ladder" concept is based on the ideal of property prices rising and gaining equity by doing v little -yes some thru repayment bu otherwise it is achieved by increase in equity via property price rises...

so the new build "affordable" share to buy 2 beds in london is pointless for me as a renter with 3 dc..

the only three beds on offer top the million mark - with a monthly mortgage plus rent of 2.7k - hardly feasible on the max income allowed for sharetobuy of 80k .

dont believe me?

www.sharetobuy.com/sharedownershippropertydetails?id=19559

www.sharetobuy.com/sharedownershippropertydetails?id=18661

so building garden cities/brownfield blocks of 1-2 bed first time buys may not look so good down the line...where do those people go on the "next step" of the ladder? the couple who buy/per buy the one bed have a child and want more space?

I dont see any adequate housing policy... building more larger size homes to rent at reasonable prices, yes. but it isnt happening.

currently developers can get away with providing one 3 bed at a £1m mark on share to buy "affordable" housing and claiming they meeting the targets...

fielsted · 30/04/2015 11:06

pinetree2203 Hmmm. Thanks for that. Bit judgemental?

stillnotjustamummy · 30/04/2015 11:18

The only work I can find is in central London. When I finally accepted I could no longer afford to live there, I moved to the commuter belt. I can no longer afford the cost of commuting plus childcare as commuting makes for a long day. So I have been forced out of the job market. A plan to tackle second home ownership and non affordable developments would be a start toward enabling people to live in the city.

Mumblechum1 · 30/04/2015 11:30

I do think the problem is mainly London/SE.

I'm in the home counties now but am only a little older than the OP and bought a 3 bed terraced house in Cumbria at 21 with my then dp for £21k. This involved us saving £15 a week each for a year, so no biggie.

Since then we worked our way up the ladder and moved around the country for my dh's career, buying our first 5 bed detached at 31 and paying off the mortgage on our current 6 bed detached at 46.

I don't think we could afford to buy it today, the only reason we're mortgage free at only a little older than the OP is that we started young and in a cheap area.

You can still buy a 2 bed terraced in grotty bits of Cumbria for £70k.

Mumblechum1 · 30/04/2015 11:32

I suppose the point I'm making is that pple need to look outside London and also try to buy when they're q young rather than leaving it till they're bogged down with massive childcare costs and high rents.

fielsted · 30/04/2015 11:43

mumblechum1 The problem with me writing this post is that I'm old. Forget my age and then you might be more sympathetic to those who at the same age you were when you were able to buy have absolutely no chance of doing that. But outside of buying or not buying the truth remains that there are not enough houses being built at the right price or in the right tenure. Probably when you bought your first property you didn't do so thinking that in a few years time it will be impossible. No one thought that way only hindsight gives us that privilege. So the unfairness creeps in for Gen Rent: born right time-get house; born wrong time-don't get house.

Mumblechum1 · 30/04/2015 11:47

Well, I don't want to get into a scrap Smile - just adding a different perspective.

Had I been born in London I would have struggled to have bought at 21, that's for sure. So perhaps geography rather than date of birth is the more relevant dividing line....

Cherriesandapples · 30/04/2015 11:50

That is rubbish. It was pretty obvious in 2000 when I bought my first house that becoming a home owner would mean sacrifice and that house prices were rising at an alarming rate.
Where are 5 million homes going to come from? The population is still growing. Somebody needs to tackle oth immigration, they need to build more houses and they need to have a plan to bring existing empty properties into use.

Mumblechum1 · 30/04/2015 11:51

What's rubbish Cherries?