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Everything posted by CrashConnoisseur

  1. My generation. Back in the 1970s, 80s and 90s it was common at least in the northern city where I lived. A school friend bought a two-up -two-down terrace house and was married at 18 while an apprentice at BT. In the mid-1980s an 18 year old apprentice at the engineering company I worked for bought an end-terrace (dad was a buliding society branch manager so knew the importance of 'getting on the housing ladder'). The government even had a scheme to encourage young people to save for a deposit.
  2. It isn't that simple. To control immigration the country would have to leave the EU and impose some form of work permit system similar to the Isle of Man. Single mothers in general don't "spew out children". Most would have been part of a couple when they had their children and statistically they are more likely to have just one child than women who remain in a couple.
  3. That tells us more about Shapps' lack of imagination than it does anything about the housing market.
  4. For determining LHA rates the country is divided up into Broad Rental Market Areas (BRMAs) which straddle council boundaries. I'm not aware of any central online resource for historic LHA rates. However, several councils have the data available on their websites, in some cases going back to the national roll-out of LHA in April 2008. You may like to use a Google search to find this... http://www.google.co.uk/#hl=en&sclient=psy-ab&q=site:gov.uk++%22Shared+*+rate%22++%22April+2008%22&oq=site:gov.uk++%22Shared+*+rate%22++%22April+2008%22
  5. But, last year the HB claimant could keep the first £15 per week of any saving so had at least as much incentive* as you to look for and take the lower rent thus helping to keep rents down. * £20 a month is probably worth more to someone who's out of work.
  6. It's a good idea for a poll, although given the amount of myth and misinformation about Housing Benefit on HPC some more explanation may be needed to gain an accurate result (e.g. under 35 years old singles being limited to the Shared Accommodation Rate).
  7. By "shard flat" you were sharing a one bedroom flat with a partner? If you were sharing a two or more bedroom flat with other tenants then the applicabale LHA rate would be the £83 pw shared accommodation rate. In any case, you would not be awarded any more than your actual rent paid; so no surplus.
  8. A flaw in the poll... Housing Benefit now only covers the actual rent if lower than the applicable LHA rate, so there's no longer any surplus payable (called Excess Payments). As a consequence there's no longer any incentive for existing HB claimants to look for or negotiate tenancies below the LHA rate.
  9. It's not JSA, but Housing Benefit that helps with paying rent and in many cases it will not cover all the rent. Even before the coalition's ill-considered cuts, 48% of Private Rental Sector recipients had to make up a shortfall. 'House of Commons Written Answers 10 November 2010': http://services.parl...rs/part012.html
  10. You are David Dimblebore and I claim your second-home in Dartmouth (and £5).
  11. The vast majority of people, politicians included, seem unaware of the implications of Universal Credit. Of those who are aware, the consensus is that UC will discourage many part-time workers, particularly the self-employed... 'CAB Briefing: Universal Credit: an exploration and key questions' [January 2011]: http://www.citizensa...n_27th_2011.pdf 'Tax warning for self-employed Cumbrians' [February 2011]: http://www.cumberlan...erPath=business 'Welfare Reform Bill: Public Bill Committees, 29 March 2011, 6:00 pm': http://www.theyworkf...011-03-29a.4.17
  12. Here's some advice from an experienced landlady... 'No more boy tenants with long hair. Ever.': http://moregeous.wor...long-hair-ever/ 'And they were DOCTORS!!! do they not know about bacteria???': http://moregeous.wor...about-bacteria/
  13. You're only looking at one side of the equation. The owner occupier also gets somewhere to live. That has an economic value - the imputed rent - which is tax free. The BTL landlord still has to fund their own accomodation elsewhere. The tax advantage is always with the owner occupier.
  14. The FTB no longer needs to rent an equivalent home from someone else so they also have their former rent money to bid with - tax free. The FTB always gets full tax relief on that imputed rent regardless of whether they have a mortgage to offset against it or not.
  15. Exactly so. It's truly bizarre to see, on this of all forums, posters arguing that owning your own home and not having to pay rent to a landlord has no economic value.
  16. When over 1% of your installed base has undergone catastrophic failure, anywhere is high risk.
  17. Almost certainly this ill-considered electioneering stunt will result in a larger benefits bill... 'Why the benefit cap will COST £billions and not save a penny': http://speye.wordpress.com/2012/01/30/why-the-benefit-cap-will-cost-billions-and-not-save-a-penny/
  18. If so, then you would most likely get even more if you were working... 'The real comparisons for capping' [February 2012]: http://blog.cix.co.uk/gmorgan/2012/02/02/the-real-comparisons-for-capping/
  19. Yes, that's correct. It's social tenants with a spare bedroom (that means more than one bedroom for a single person) who will face a deduction if they claim HB. The LHA system and rates have no relevance here. 'Bedroom tax calculator': http://www.newcharterbedcalc.entitledto.co.uk/BedroomCalcControlPage.aspx
  20. Although new Flexible Tenancies (where offered) are time limited they are not "AST style contracts". Nor will they "swap to LHA". For Housing Benefit claims Flexible Tenancies will be treated the same as any other tenancy with a social landlord (Council or Housing Association).
  21. Again, the under-35 restriction only applies to LHA claims in the private sector.
  22. That's the OP's text and not applicable to the social tenancies under discussion. The linked 'Bedroom Tax Calculator' makes no mention of LHA rates. Only if renting from a private landlord (some exemptions apply). It doesn't, regardless of the wording of the tenancy.
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