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About EnglishinWales

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  1. https://www.rightmove.co.uk/property-for-sale/property-68074390.html What's stopping you??
  2. EnglishinWales

    I think the wait is over

    The landlord declares himself king, says he is appointed by God and therefore royal and deserves the best of everything. You and your descendants must serve him and his descendants for eternity. Every member of your family agrees and says they will hang you from a coconut tree if you complain. Is the island community exploiting you?
  3. EnglishinWales

    Were you mis-sold your IO mortgage? It begins...

    Why do you need to become house owners at 23, at 24 I was in a single room in a shared house.
  4. Don't recommend it, frankly. Welsh people are a grumpy, passive-aggressive lot and the Welsh language obsessed Assembly Government is hemorrhaging money. Welsh speaking schools prevent pupils from learning effectively given the lack of textbooks and learning materials in Welsh. Nice landscapes but the insular attitude of the locals spoil it. Besides it's hilly in N. Yorkshire where I grew up, Snowdonia is just a big hill at the end of the day.
  5. EnglishinWales

    Does interest rate really matter?

    Never known landlords to fix fences? A lot of them don't fix heaters or extraction fans or dripping radiators. And they don't replace carpets except rarely, especially in flats that won't rent to anybody other than HB tenants. I agree with the poster who said LLs charge for access to land and then tell themselves they're providing a service.
  6. Sounds like Wrexham. More coming on the market than going off. Spareroom is bursting with nice-looking en suite rooms in HMOs as well. Are we at saturation point?
  7. In my opinion only the owner should be liable for council tax, since it's part of the deal: take a chunk of land of the market = you're liable for all costs. If the property is rented out the rent amount should include council tax so the tenant doesn't have to think about it. Landlords shouldn't have the power whilst the tenants get the responsibility. If left empty the council is still collecting it from the owner, might discourage the buy-to-leave trend too.
  8. A database of renters? Tories keeping a record of Jeremy Corbyn supporters, lol.
  9. 9 reasons why section 24 will be reversed? Apologies if this has already been posted but maybe it could do with some analysis. You'll have to do it tho, I couldn't get through it all without feeling nauseous: https://www.propertytribes.com/9-reasons-why-section-24-will-be-reversed-t-127635861.html Vanessa Warwick Aug 2018 My personal belief has always been that Section 24 cannot survive more than 5 years because of the harm it will do to the private rented sector, which is responsible for providing housing solutions to millions of people across the UK. In the past week, some more signs have appeared that S24 may be reversed, so I am curating all my reasons into one thread: 1. RICS have spoken out against S24 and warned Government of the consequences UK rents are expected to climb by 15% over the next five years, as the supply of rental accommodation dwindles while demand from tenants continues to go up, according to a new survey by RICS. Rents are expected to increase by nearly 2% across the UK over the next 12 months. Small landlords are selling up following tax changes that have made buy-to-let properties less lucrative. RICS said they are being hit by the withdrawal of tax breaks and the extra 3% on stamp duty on second homes. At the same time, more people are looking to rent, partly because they cannot afford to buy their own homes. Simon Rubinsohn, the chief economist at RICS, said: “The impact of recent and ongoing tax changes is clearly having a material impact on the buy-to-let sector, as intended. The risk, as we have highlighted previously, is that a reduced pipeline of supply will gradually feed through into higher rents in the absence of either a significant uplift in the build-to-rent programme, or government-funded social housing. “At the present time, there is little evidence that either is likely to make up the shortfall. This augurs ill for those many households for whom owner occupation is either out of reach financially or just not a suitable tenure.” Full/source article Being discussed here on Property Tribes: RICS urging Gov. to end S24 & SDLT surcharge 2. Councils offering "golden handshakes" Councils are increasingly offering incentives to private sector landlords to provide properties. One such example - Council PRS incentive to tackle homelessness - but I have heard of other councils doing this. Councils are increasingly desperate for private landlords as they find themselves unable to meet their housing obligations. They are turning up at landlord events all over the UK trying to court landlords with other incentives such as guaranteed rent. 3. The Irish version of Section 24 failed Now the Irish Government is offering "golden handshakes" to get landlords back into the sector. Lessons about the PRS learned from Ireland 4. On-going lack of social house building More than 1 million families are stuck on waiting lists for social housing in England as the number of council homes in Britain slumps to a record low. Figures from the housing and homelessness charity Shelter show that a total of 1.15 million households were on waiting lists last year, with only 290,000 homes made available, leaving a national shortfall of more than 800,000 homes. More than 56,000 people or families are on waiting lists for social housing in the North East and North Yorkshire alone. Almost two-thirds (65%) of families had been on lists for more than a year, while 27% had been waiting for more than five years. The latest figures show that social house building has hit a new low, with only 5,900 homes completed in 2017 – the lowest proportion of overall housing supply since records began. In 2011 nearly 40,000 socially rented homes were built in England. 5. Private Sector accommodation can often be much better quality than social housing An army veteran has been sleeping in his allotment shed after he and his wife were forced to leave their rented home because the landlord decided to sell up. Tony Squirrell, 74, said it had been terrible to be apart from his wife, Joan, 64, and claimed that criminals were given better accommodation than they were offered when they were made homeless. He said: “I have been to war and seen some horrible things but nothing has taken its toll on me like this. I was in the army so I’ve slept in worse, and I take things in my stride. But it’s my wife I’m worried about. “Veterans in our society are not treated well. In America they do such a lot for them but here we get nothing.” The Squirrells, who have lived in Bridgwater, Somerset, for more than 40 years, were forced to leave their rented home five weeks ago because the landlord wanted to sell. About 1,700 people are on the housing list of Sedgemoor district council, which is Conservative-controlled. The Squirrells were among the 36 placed in the gold – high priority – band. The council offered the couple an emergency housing place. But Squirrell said: “We went to have a look and when I looked through the window, I took one look at the beds and thought: ‘My wife isn’t sleeping on that.’ “We’re not criminals but they’re treating us worse – if we had gone out and robbed a bank we would have better beds and three meals a day.” Joan added: “It was disgusting. There were stains all over the mattresses and we would have had to share a bathroom with other people.” Full/source article 6. Tenants waking up to the fact that private sector landlords provide far more choice of accommodation The couple above wanted a bungalow due to the wife having problems climbing the stairs, but the council told them that they did not offer bungalows on a social basis. 7. More widespread evidence of rising homelessness An article in the Guardian from yesterday claims there is a rise in "tented" camps and people sleeping under canvas. Although the number of people in encampments is not fully recorded by existing statistics, the homeless charity Crisis said more than 9,000 people would have spent last Christmas in tents or cars, or on trains or buses, on top of the thousands who sleep rough every night, an increase of more than 57% since 2011. The official rough sleeper count in England – widely considered a big underestimate – has strict rules about what constitutes a rough sleeper. People living in encampments are not necessarily included in the 4,751 people who bedded down outside overnight in 2017. The government is expected to release its strategy for tackling street homelessness within the next few days. The strategy aims to halve rough sleeping by 2021 and eliminate it by 2027. In the past year, encampments of varying sizes have been reported in cities and towns including Bristol, Milton Keynes, Cardiff, Manchester, Oxford, Sheffield, London, Northampton, Cambridge, Stoke-on-Trent, Leeds, Glasgow and Exeter. Full/source article When people see actual evidence of homelessness in their communities, it becomes much more real for them: From twitter this week: 8. Councils will be unable to sustain emergency/temporary accommodation demands I am already hearing of local authorities who are renting out entire top floors of hotels to house people. Families are living in one room with no catering facilities. Temporary housing costs in London have risen by half in the past four years, figures show. Costs rose from £460m to £690m over the period, freedom of information figures from 31 councils show. One example - Newham council is paid £61million in 2016-17 to house the homeless in temporary accommodation. The annual bill has spiralled by 60 per cent in five years. There are 27,228 households on the council housing register and 9,753 Newham council properties have been lost to Right to Buy since the 1980s. Councils have had to look for cheaper accommodation to house homeless residents and often this meant they were being moved outside London. Birmingham City Council has more than 2,000 people in interim housing while applications for a permanent home are processed. They include 500 people in bed and breakfasts - nearly 200 of which are having to be put up outside of the city due to a lack of facilities. See - 1000% rise in temporary accommodation costs And here's the kicker - The rollout of Universal Credit, which replaces the housing benefit and several others, is also set to make it more difficult for the council to claim the costs back of housing people in B&Bs. Ultimately, the tax payer will have to cough up through increased council tax. 9. Build to Rent will take years to gain traction and cannot meet the demand The Government has cited institutional investment as an answer to the housing market woes. However, it will take many years for BTR to gain traction - perhaps even as long as 15 years - so it is not an immediate solution. Furthermore, the focus on BTR is on city centre blocks, not family homes in the suburbs, so BTR will be limited in how it assists with providing accommodation, as it really only appeals to young professionals and couples, not families. All of the above shows how desperately private sector landlords are needed. Local government is crying out for landlords and being forced to incentivise them and will be voicing this to central Government. Heavyweight bodies like RICS will be listened to.
  10. EnglishinWales

    Is inequality growing?

    The birthrate is below replacement level. Who cares if a family on your road has 6 kids, it's obviously not common. So what if a poor family has Sky TV. £100 a month saved wouldn't necessarily improve their situation if they live in a deprived area and there's few decent jobs. They're often stuck in poverty and it's a distraction, it's understandable. How poor people spend THEIR money doesn't mean you'll have any less. Most homeless people are in temporary accommodation. So there are a few chancers on the streets, so what? Don't give them money then give it to the sick-looking ones. People need homes first so that they can feel secure enough to reduce their dependence on substances, not the other way around; leaving people struggling with substance abuse on the streets is disgraceful. Food banks are only accessible when your benefits have been stopped or when you can prove you are destitute. They became common when the Tories removed crisis loans in 2013 which was unnecessary and are a last resort for the people waiting weeks for universal credit to kick in. Now charities try to fill the void. Yet it's the government who owes us, because of what they have taken from us: over 70% of the land is owned by about 0.6% of the population and a reported £34,000,000,000 is lost annually in corporate tax evasion.
  11. EnglishinWales

    Mortgages without Mum and Dad’s help

    I don't want fake parents I just want section 21 to go away.
  12. I take it there are no homeless, foodbanks or potholes in Portsmouth then. Wow they must be doing well.
  13. Yep. And every so soften they force the government of the land to stage a terrorist attack for multiple reasons including distracting us from who our real enemy is.

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