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Right to rent

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Stirlingsays 02 Mar 19 12.11am
Originally posted by Jimenez The house is the cheap part. It's the land & the planning which is the time consuming & expensive part. I don't suppose they can do much about the land cost but surely the planning stuff should have been sorted out decades ago. Sounds like too many palms being greased to me.....but perhaps that's just my cynicism. Edited by Stirlingsays (02 Mar 2019 12.11am) 'Who are you and how did you get in here? I'm a locksmith. And, I'm a locksmith.' (Leslie Nielsen)
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Stirlingsays

02 Mar 19 12.11am

Originally posted by Jimenez

The house is the cheap part. It's the land & the planning which is the time consuming & expensive part.

I don't suppose they can do much about the land cost but surely the planning stuff should have been sorted out decades ago.

Sounds like too many palms being greased to me.....but perhaps that's just my cynicism.

Edited by Stirlingsays (02 Mar 2019 12.11am)

'Who are you and how did you get in here? I'm a locksmith. And, I'm a locksmith.' (Leslie Nielsen)

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Tom-the-eagle Croydon 02 Mar 19 12.14am
Originally posted by Hrolf The Ganger Well if banks didn't charge so much for mortgages and house prices were so high, then perhaps more people would buy. My only issue with landlords is that they are too greedy. Its a market economy. Rents are dictated by the market. For your information rents are currently creeping down for the first time in over a decade. Rents have been continually pushed up over the past 15 years by the constant stream of Eastern Europeans arriving and needing a place to live. Its simple supply and demand. Making a generalisation saying landlords are greedy is like saying all tenants are XXX (fill in the blank). Its ridiculous. The problem is not with landlords the problem is that there are too many people living on an island not big enough to cope. This is not the fault of landlords. Don't blame the player - blame the game. "It feels much better than it ever did, much more sensitive." John Wayne Bobbit
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Tom-the-eagle

Croydon 02 Mar 19 12.14am

Originally posted by Hrolf The Ganger

Well if banks didn't charge so much for mortgages and house prices were so high, then perhaps more people would buy.
My only issue with landlords is that they are too greedy.

Its a market economy. Rents are dictated by the market. For your information rents are currently creeping down for the first time in over a decade.

Rents have been continually pushed up over the past 15 years by the constant stream of Eastern Europeans arriving and needing a place to live.
Its simple supply and demand.

Making a generalisation saying landlords are greedy is like saying all tenants are XXX (fill in the blank). Its ridiculous.

The problem is not with landlords the problem is that there are too many people living on an island not big enough to cope.

This is not the fault of landlords. Don't blame the player - blame the game.

"It feels much better than it ever did, much more sensitive." John Wayne Bobbit

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.TUX. 02 Mar 19 12.28am
Originally posted by Tom-the-eagle OK lets look at it from another angle. Without landlords there would be no private renting sector whatsoever. Just home ownership or social housing. There is not enough social housing to cope now let alone if you added the tens of millions who currently privately rent to it. Home ownership is not practical for everyone. Many people are unable to get a mortgage due to bad credit/low salary/no salary or debts. There are various scenarios in which people rely on the private sector such as when people arrive in Britain (unable to buy or gain social housing) or people who move for a short period of time on a temporary job contract etc. So for those who have it in for landlords then please explain to me how it would be possible for Britain to run without a private renting sector? Funnily enough, we survived for bloody decades Landlords are fine bud but tenants pretty much covering the landlords monthly mortgage repayments isn't. We've gone from paying a reasonable amount for a roof over our heads to pretty much covering all of your costs. I'll say it again, this isn't progress. I get that you're trying to cover your arse but it don't wash. Life existed before you and yours...............and at a far cheaper rate. Buy Litecoin.
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.TUX.

02 Mar 19 12.28am

Originally posted by Tom-the-eagle

OK lets look at it from another angle.

Without landlords there would be no private renting sector whatsoever. Just home ownership or social housing.

There is not enough social housing to cope now let alone if you added the tens of millions who currently privately rent to it.

Home ownership is not practical for everyone.
Many people are unable to get a mortgage due to bad credit/low salary/no salary or debts.

There are various scenarios in which people rely on the private sector such as when people arrive in Britain (unable to buy or gain social housing) or people who move for a short period of time
on a temporary job contract etc.

So for those who have it in for landlords then please explain to me how it would be possible for Britain to run without a private renting sector?

Funnily enough, we survived for bloody decades

Landlords are fine bud but tenants pretty much covering the landlords monthly mortgage repayments isn't. We've gone from paying a reasonable amount for a roof over our heads to pretty much covering all of your costs. I'll say it again, this isn't progress.
I get that you're trying to cover your arse but it don't wash. Life existed before you and yours...............and at a far cheaper rate.

Buy Litecoin.

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Midlands Eagle 02 Mar 19 7.00am
Originally posted by Hrolf The Ganger Well if banks didn't charge so much for mortgages and house prices were so high, Mortgage rates are very reasonable with many available at under 2% pa which is much better than the 15$ to 19% 30 odd years ago. It's true that house prices down South are wickedly high though with the house that I sold in West Sussex in 1984 for £100,000 being sold again last year for just over £1m There is an alternative available to many people though and that is to move away from the area. A friend of mine is a nurse and she rents a ten year old two bedroomed flat in Staffordshire for £600 per month as well as running a brand new car
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Midlands Eagle

02 Mar 19 7.00am

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Originally posted by Hrolf The Ganger

Well if banks didn't charge so much for mortgages and house prices were so high,

Mortgage rates are very reasonable with many available at under 2% pa which is much better than the 15$ to 19% 30 odd years ago.

It's true that house prices down South are wickedly high though with the house that I sold in West Sussex in 1984 for £100,000 being sold again last year for just over £1m

There is an alternative available to many people though and that is to move away from the area. A friend of mine is a nurse and she rents a ten year old two bedroomed flat in Staffordshire for £600 per month as well as running a brand new car

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Mapletree Croydon 02 Mar 19 8.34am
Originally posted by .TUX. You chose to bring Germany into the mix, a completely different model. You ''get'' nothing tbh. I repeat. The point was made generically about landlords We can debate the shortfalls and benefits of the system in each country but that is a different point
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Mapletree

Croydon 02 Mar 19 8.34am

Originally posted by .TUX.

You chose to bring Germany into the mix, a completely different model.
You ''get'' nothing tbh.

I repeat. The point was made generically about landlords

We can debate the shortfalls and benefits of the system in each country but that is a different point

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YT Oxford 02 Mar 19 9.16am
Originally posted by Hrolf The Ganger Well if banks didn't charge so much for mortgages and house prices were so high, then perhaps more people would buy. My only issue with landlords is that they are too greedy. Mortgage rates have hardly ever been so low. Sustained low mortgage rates is one of many factors in why house prices are so high. Another factor is the ready supply of interest-free cash for deposits aka "the bank of mum and dad". Affluent parents no doubt are doing what they think is best to help their offspring, but collectively they are merely fuelling the high house prices that they no doubt regard as scandalous. Until they console themselves with the knowledge of how much their own property is worth. Edited by YT (02 Mar 2019 9.17am) Palace since 19 August 1972. Palace 1 (Tony Taylor) Liverpool 1 (Emlyn Hughes)
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Oxford 02 Mar 19 9.16am

Originally posted by Hrolf The Ganger

Well if banks didn't charge so much for mortgages and house prices were so high, then perhaps more people would buy.
My only issue with landlords is that they are too greedy.

Mortgage rates have hardly ever been so low. Sustained low mortgage rates is one of many factors in why house prices are so high. Another factor is the ready supply of interest-free cash for deposits aka "the bank of mum and dad". Affluent parents no doubt are doing what they think is best to help their offspring, but collectively they are merely fuelling the high house prices that they no doubt regard as scandalous. Until they console themselves with the knowledge of how much their own property is worth.

Edited by YT (02 Mar 2019 9.17am)

Palace since 19 August 1972. Palace 1 (Tony Taylor) Liverpool 1 (Emlyn Hughes)

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YT Oxford 02 Mar 19 9.22am
Originally posted by Midlands Eagle Mortgage rates are very reasonable with many available at under 2% pa which is much better than the 15$ to 19% 30 odd years ago. It's true that house prices down South are wickedly high though with the house that I sold in West Sussex in 1984 for £100,000 being sold again last year for just over £1m There is an alternative available to many people though and that is to move away from the area. A friend of mine is a nurse and she rents a ten year old two bedroomed flat in Staffordshire for £600 per month as well as running a brand new car The mention of a brand new car is interesting. I may of course be wrong, but the chances are that she will be leasing it rather than having bought it with cash or a loan. And will therefore be paying more for it, all things being equal. I wonder if firms that charge 'rent' for cars are also regarded as parasitical by certain posters. Palace since 19 August 1972. Palace 1 (Tony Taylor) Liverpool 1 (Emlyn Hughes)
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Oxford 02 Mar 19 9.22am

Originally posted by Midlands Eagle

Mortgage rates are very reasonable with many available at under 2% pa which is much better than the 15$ to 19% 30 odd years ago.

It's true that house prices down South are wickedly high though with the house that I sold in West Sussex in 1984 for £100,000 being sold again last year for just over £1m

The mention of a brand new car is interesting. I may of course be wrong, but the chances are that she will be leasing it rather than having bought it with cash or a loan. And will therefore be paying more for it, all things being equal. I wonder if firms that charge 'rent' for cars are also regarded as parasitical by certain posters.

Palace since 19 August 1972. Palace 1 (Tony Taylor) Liverpool 1 (Emlyn Hughes)

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Mapletree Croydon 02 Mar 19 9.28am
Having students in the family, I have to say private student accommodation really is a rip off Always run down and overpriced We need better regulation. But I don’t think the public sector is a complete answer. We need more rental properties quickly. We should do something more on empty properties too, but enable not just punish Edited by Mapletree (02 Mar 2019 9.28am)
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Mapletree

Croydon 02 Mar 19 9.28am

Having students in the family, I have to say private student accommodation really is a rip off

Always run down and overpriced

We need better regulation. But I don’t think the public sector is a complete answer. We need more rental properties quickly. We should do something more on empty properties too, but enable not just punish

Edited by Mapletree (02 Mar 2019 9.28am)

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Midlands Eagle 02 Mar 19 9.30am
Originally posted by YT The mention of a brand new car is interesting. I may of course be wrong, but the chances are that she will be leasing it rather than having bought it with cash or a loan. And will therefore be paying more for it, all things being equal. I wonder if firms that charge 'rent' for cars are also regarded as parasitical by certain posters. It's a PCP. Brand new Seat Ibiza at £190 per month over four years. Vey low deposit and low APR too
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Midlands Eagle

02 Mar 19 9.30am

Originally posted by YT

It's a PCP. Brand new Seat Ibiza at £190 per month over four years. Vey low deposit and low APR too

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Badger11 Beckenham 02 Mar 19 1.40pm
Originally posted by Mapletree Having students in the family, I have to say private student accommodation really is a rip off Always run down and overpriced We need better regulation. But I don’t think the public sector is a complete answer. We need more rental properties quickly. We should do something more on empty properties too, but enable not just punish Edited by Mapletree (02 Mar 2019 9.28am) Increase council tax on empty homes. Increase council tax on second homes. One more point
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Badger11

Beckenham 02 Mar 19 1.40pm

Originally posted by Mapletree

Having students in the family, I have to say private student accommodation really is a rip off

Always run down and overpriced

Edited by Mapletree (02 Mar 2019 9.28am)

Increase council tax on empty homes. Increase council tax on second homes.

One more point

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Hrolf The Ganger 02 Mar 19 5.19pm
Originally posted by Tom-the-eagle Its a market economy. Rents are dictated by the market. For your information rents are currently creeping down for the first time in over a decade. Rents have been continually pushed up over the past 15 years by the constant stream of Eastern Europeans arriving and needing a place to live. Its simple supply and demand. Making a generalisation saying landlords are greedy is like saying all tenants are XXX (fill in the blank). Its ridiculous. The problem is not with landlords the problem is that there are too many people living on an island not big enough to cope. This is not the fault of landlords. Don't blame the player - blame the game. I understand all that but don't tell me that most landlords don't make a huge profit on their properties. Good luck to them I say but don't tell me that they need to charge that much. It is about charging what you can get away with like most commodities.
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Hrolf The Ganger

02 Mar 19 5.19pm

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Originally posted by Tom-the-eagle

Its a market economy. Rents are dictated by the market. For your information rents are currently creeping down for the first time in over a decade.

Rents have been continually pushed up over the past 15 years by the constant stream of Eastern Europeans arriving and needing a place to live.
Its simple supply and demand.

Making a generalisation saying landlords are greedy is like saying all tenants are XXX (fill in the blank). Its ridiculous.

The problem is not with landlords the problem is that there are too many people living on an island not big enough to cope.

This is not the fault of landlords. Don't blame the player - blame the game.

I understand all that but don't tell me that most landlords don't make a huge profit on their properties.

Good luck to them I say but don't tell me that they need to charge that much.
It is about charging what you can get away with like most commodities.

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Hrolf The Ganger 02 Mar 19 5.23pm
Originally posted by YT Mortgage rates have hardly ever been so low. Sustained low mortgage rates is one of many factors in why house prices are so high. Another factor is the ready supply of interest-free cash for deposits aka "the bank of mum and dad". Affluent parents no doubt are doing what they think is best to help their offspring, but collectively they are merely fuelling the high house prices that they no doubt regard as scandalous. Until they console themselves with the knowledge of how much their own property is worth. Edited by YT (02 Mar 2019 9.17am) You are correct but even with low interest rates, mortgages are still very expensive in terms of percentage of earnings. I believe that house prices are more about supply and demand but obviously, there are other inflationary factors as you suggest,
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Hrolf The Ganger

02 Mar 19 5.23pm

Originally posted by YT

Edited by YT (02 Mar 2019 9.17am)

You are correct but even with low interest rates, mortgages are still very expensive in terms of percentage of earnings. I believe that house prices are more about supply and demand but obviously, there are other inflationary factors as you suggest,

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