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 Post subject: Re: Are UK house prices sustainable?
PostPosted: Fri Dec 09, 2011 12:33 pm 
Player Coach
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Joined: Oct 21 2006
Posts: 10852
ROBINSON wrote:Sorry, I'll start again because I wasn't clear.

What I meant to say was that the retail side of banks, since the crash, are not in the business of taking risks.


Wow. We've gone from 'banks aren't in the business of taking risks' to 'the retail side of banks aren't in the business of taking risks since the crash'.

Back-pedalling much? If not, you should really learn to say what you mean.

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 Post subject: Re: Are UK house prices sustainable?
PostPosted: Fri Dec 09, 2011 12:46 pm 
International Chairman
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Joined: Feb 26 2002
Posts: 32466
Location: Leeds
ROBINSON wrote:
The government have brought in 'firstbuy', which helps first time buyers financially. The trouble is, it's only available on new homes, which helps no-one except the builders building them. Those properties are empty, so it won't get any chains moving, and therefore won't help anyone trying to sell their homes.

Now if they offered a similar scheme on ALL properties below, say, the average for the area, it would be great. FTB could buy a terraced house, the sellers of which could then trade up to a semi and so on.


I haven't any experience of the new "firstbuy" scheme but three years ago when we were looking at houses on new developments, all of those developments were only possible because they had an element of "affordable" housing on the then Labour government scheme which I think was called "Homebuyer" using shared equity and other schemes to get first time buyers into new housing with minimum deposit and affordable short term repayments - those houses were always sold off plan on all of the developments we looked at, indeed those houses were always the first ones to be built on each site simply because they were sold before the foundations were dug.

I don't know what the difference is between the two schemes but the former was extremely successful during the 07/08 recession and saved many builders and sub trades from failure.

I do agree with your second point though, my kids are of an age now where they are looking at their own house/flat in the next year or so, the friends in their age groups who have already moved out are all renting, they don't know anyone who is buying at all.






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 Post subject: Re: Are UK house prices sustainable?
PostPosted: Fri Dec 09, 2011 1:24 pm 
Player Coach
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Joined: Aug 15 2006
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I have a friend who bought using the first buy scheme, about 12 months after we bought our house using a standard mortgage.

He seems to be paying more out with his mortgaged portion plus the rent for the other half than I do for my mortgage, with the added bonus that he can only buy the other bit in specified amounts at specified times. His reasoning for doing it I believe was that he wouldn't of been able to afford the deposit otherwise.


As for the OP, house prices can't afford to go do massively as I can only see how that would lead to more problems.






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