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Are you still waiting for the property crash?

74 replies

raisinbran · 26/04/2010 18:35

Back in 2007/08 I expected house prices to fall by upto 30% and have been holding out waiting for house prices to become realistic ie 600k home for 450k.

How many of you are still waiting?How long are you prepared to wait? 2012?

There is a nice house on The Wirral priced for sale at 639k but available to rent for 1800 pounds a month seems a bargin except for the uncertainty of having to leave suddenly.

Many lovely houses around 600-800k for sale but are there so many people out there with such great salarys they can get mortgages to fund,the purchases?

OP posts:
101damnations · 30/04/2010 09:33

A friend is a director at Savills.Will ask him what he thinks.

BeenBeta · 30/04/2010 09:48

The second leg of the double dip recession has just begun.

Yesterday, I went in to our provincial town centre and noticed a lot of large stores had no customers in. I spoke to a number of shop staff and the message was clear. The past 2 weeks has been dead. No one could explain it. Look also at the what the boss of Carpetright said:

Lord Harris told analysts yesterday that there was "no question" Carpetright's own sales had "double-dipped" and cautioned that the downturn Carpetright has seen could follow in other parts of the retail sector.

"Everyone talked about a double dip and we did," he said, "Christmas, September, October, November were very, very good. [But] I've never seen a time where it goes back so much [as] it did in January and February."

He added that a slowdown in sales in January was understandable because of heavy snowfall, but he was disappointed not to see a bounce back in February and March.

"Does it mean that we're going to have a double dip with the other people [retailers] coming to it, the fashion people who have had a good run? Probably yes," he said, predicting a tough 2010."

The banks are not lending, they have huge numbers of dud loans they still have to right off. We are a long way to go before we are out of the recesison with a high risk of slipping into a deflationary depression.

The mini boom we have seen in the last 18 months is all down to Govt money and that has now run out. To think of the billions that have been spent and yet there is the most anaemic recovery tells us just how bad it is. Govt spending is about to be cut regardless of who wins the election an interest rates are already rising.

House prices will inevitably fall under those circumstances.

fruitstick · 30/04/2010 12:37

We're still waiting.

We were one of those people who sold their London house for ridiculously low price 12 months ago.

We were moving out as DS2 was about to be born and we needed to apply for school's for DS1. We have been looking ever since.

Very little is coming onto the market at the £350-£450k mark and all the good family houses are selling within days. We got gazumped on one and lost on sealed bids on another. It seems that there aren't enough school places for birth years in this area (unlike 2 or 3 years ago) so houses in good catchment areas are being snapped up.

However, I just don't see how it can last. Surely (and bear with me on my maths logic). All the people who sold when we did have gradually bought up existing stock. Transaction volumes have been so low recently that there hasn't been a significant number of people entering the buying market, and from here on in more or less every potential buyer must also be a potential seller.

Also the transaction volumes are so low that mean average house prices are easily skewed. If all the houses selling are the expensive ones, then the average price will rise even if nothing at the bottom of the market is shifting. The rest is media hype.

My only real concern is that a) buy to let investment will continue to push prices up as interest rates are so low they are getting no return on capital in the bank.

b) With interest rates so low people would much rather stay put than sell up at a loss (esp if they have less than 25% equity) so volume will stay very low. The houses we are looking for tend to be the downsizers and they seem to be the greediest

c) We're stuffed.

lalalonglegs · 30/04/2010 14:12

I think any significant rise in interest rates and the party is over. I am already cacking self about remortgaging in 2012...

noddyholder · 30/04/2010 15:01

I sold my house in march and am in rented I had an offer accepted on a maisonette last week and today I pulled out.(not because of recession btw).When I spoke to the agent he sounded gutted not just about us but in genral he said there had been a mini boom nov-march and now things were well and truly over.

mumblechum · 30/04/2010 15:11

HEY NODDY what are you doing for your ds's 16th? Looking for inspriration.

noddyholder · 30/04/2010 15:18

Well it is going to be very low key!He doesn't want a party so we are going out for a meal tomorrow night with a group of friends and family and then his mates are staying over.We are taking 4 of them skate boarding to barcelona in July so his flight is his present really Not much help I know!

mumblechum · 30/04/2010 15:20

I think taking 4 of them to Barcelona is pretty good going actually!

Hope he has a great time.

noddyholder · 30/04/2010 15:25

Am not paying parents are but am expecting a medal when I get home

mylovelymonster · 30/04/2010 15:25

Interesting article here.
We're looking but not going to buy yet. The prices just feel wrong.

Am looking in N. Herts/S. Cambs/S. Beds area. Loads of houses on the market for at least a year and new daily instructions up 4x in the last couple months. A number of the few sales that seem to be happening are having chains collapse so houses coming back onto market 'unexpectedly'. Is frustrating as we would love to buy and get close to a good primary for when DD1 starts school next year, but don't want to make the wrong decision and waste our hard-earned savings!

mylovelymonster · 30/04/2010 15:28

Other sites I've found useful are ourproperty.com showing sold prices for the last 12 years, and propertysnake which shows reductions in price and how long 'reduced' places have been on market for given postcode.

I have said to EA when the phrase "this house has been attractively discounted" that it's not an RRP!!

glastocat · 30/04/2010 15:36

The crash is already happening in Ireland with prices down approx 45%, and many think it could still drop another 20-30%. I think the UK is facing a crash too, maybe not as big a one as here, but property is so stupidly over valued and the economy is so screwed I think it has to happen soon. I heard on the news yesterday that 2/5 mortgage holders in Ireland are in negative equity, which covers pretty much everyone who has bought since approx 2002. We were looking to buy right at the top of the market, but the numbers just didn't add up so we're still renting, thank god. If we had bought we'd be 100k plus in negative equity, like me mate who bought a two bedroomed apartment in 2007, which is worth half what she paid for it. Hopefully we will be in a good position to buy in a year or two, I reckon we'll e able to buy a nice house and pay it off over 15 years or so, if we'd bought in 2007 it would have been a 30 year mortgage. So hang on in there, I'm bloody glad I didn't follow the herd onto the property ladder, its saved me a fortune.

noddyholder · 30/04/2010 15:36

houses becoming re available here too a lot.Think surveyors are down valuing again and people are waiting until after the election

goldenpeach · 30/04/2010 20:47

Having looked in different places since we left London I saw real prices fall (I'm talking sold prices, not aspirational asking prices). However we ended up in Cambridge where there is a persistent bubble, prices are over 2007, which is ridiculous and makes many areas of London cheaper than here.

Last year we got outbid or owners refused our lower offers and the bubble was huge as there was very little up for sale. This year, the prices are higher than ever but nothing shifts. We have noticed that asking prices are being reduced on properties. This is a sign that there are no buyers.

Unfortunately we need a good size house so we are in the hands of greedy elderly owners who have not updated for yonks. We are holding on and I'm fed up of renting (two years in summer) but there is no way I am going to overpay. Some prices are outrageous, a house bought for 250 in the past two years is at 575. Pure greed and I hope they are saddled with their house in not so good area forever.

expatinscotland · 30/04/2010 20:50

oh, there are tons for sale here than haven't been updated in decades. and again, if they haven't done the decor it makes you wonder what other, more important upkeep hasn't been done.

some of those kitchens and bathrooms in these houses.

omg!

goldenpeach · 30/04/2010 20:59

Same here, tons for sale for half a million, when they are really worth 300-400K. Some in really dodgy areas.

As things are not as rosy buyerswise, we are waiting like vultures LOL...

Of course if they don't need to sell they can put any price on their dilapidated pile.

Most houses were bought for very little so they are not in negative equity.

mylovelymonster · 30/04/2010 22:22

OMG goldenpeach - is likely we will be in competition We could become a secret double act bidding those evil downsizers down to a more respectable level.
Call me old-fashioned, but I expect to get some space and not have to completely modernise/remodel/extend for half a million.....

BeenBeta · 30/04/2010 22:24

Its the older sellers that are the real block here. They are living in family houses thay can barely afford to keep up but will not or cannot sell for fear of missing the possibility of a tax free gain. Many elderly people have been quietly withdrawing equity from homes to top up falling pensions and now unable to downsize as not enough equity is left.

Seen dozens of houses that need gutting and squalid but the elderly owner needs to achive a certain price level. They just sit on the market unsold and underoccupied and dilapidated.

One 6 bed house down the road from me has been on the market for 4 years! Had offers and has reduced asking price by 10% over the last few months but has totaly missed the market. The elderly owner lives on her own in it and is desperate to move but now trapped.

mumzy · 30/04/2010 22:34

Agree with BB the area we're looking at is prime commuter belt but the 4+bed detach family houses come up rarely. If they are realistically priced its usually because the owner has died or gone into residential care and the family wants a quick sale however if its the owners selling they hold out for months on totally unrealistic prices as if we were still in 2007 and unaware of stamp duty thresholds

goldenpeach · 03/05/2010 11:42

No luck with probate sales, nor ugly ex rentals, they still want top money!

The formula is crazy and often doesn't take into account location nor condition, it's like...

two beds 300K
three beds 300-400
four beds 400k-1m

There is lovely house in dire location going for nearly 400K. Nearby houses are awful and are selling for under 200K-250. It's one of the worst areas of Cambridge. Obviously elderly owners who splashed on some money ten-20 years ago on fittings.

fruitstick · 03/05/2010 12:44

Hello goldenpeach, how are you enjoying Cambridge?

My brother has just put his house on the market for £300k. Had an offer within a few days from a buyer with no chain for £283k and HE TURNED IT DOWN!!! The man's a loon.

An article in The Telegraph said that property prices were going to rise by 5% this year, according to an economic study. However in paragraph 3, the study also said that unemployment and public spending cuts may have an impact on this!

Now I don't read The Telegraph but I imagine a lot of people whose houses we are trying to buy do. They are being deluded and the market is stagnating as a result.

goldenpeach · 05/05/2010 21:42

Hello there, I am bit fed up housewise...
Sometimes feel like crawling back to London.

Had some writing work, now designing Nct newsletter as somebody stepped down.

I'm surprised you haven't had any luck, DP says prices in Rugby have gone down. A house we offered ages ago was going for the 'right' price but we had decided to leave...

I miss my Rugby friends at times...

fruitstick · 06/05/2010 09:58

Goldenpeach, there is just nothing coming on - unless you want new build estate. There are loads of those.

Sorry for posting the same thing on 2 threads but

I've just checked rightmove and there are 23 new properties on the market in our search area in the last 24 hours. 12 of these are either price reductions or sales that have fallen through (or both). Of the 5 of these over £250k, 4 were relistings

Until recently, daily averages were about 5 or 6 new properties in total.

Will see what tomorrow brings.

goldenpeach · 13/05/2010 20:16

I saw some good ones around Hillmorton. There were even a few detached ones in my old road. Just our luck we decided to leave...

You must been quite specific on area. I quite liked the houses in Elsie Road, the prices had gone down quite a bit.

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