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Found 21 results

  1. Hi - need advice on next house bid move. We bid 5% below the advertised asking and have been the highest bidders now for 4 weeks. The estate agent has now adjusted the advertised asking down to our offer thereby I assume to attract more interest and to disclose to any additional interested parties that there is a bid of the asking price. Given current house prices we are slightly miffed as we would have come in lower than the now current asking. Would you retract the offer and come in lower again? How would you react? Note that we believe our offer is a fair offer for the local market
  2. This R4 programme is mostly about house prices and the effect they have had on areas of the UK since about 1980 http://www.bbc.co.uk/programmes/b09dxz1b 41 minutes Douglas Alexander comes across as a very reasonable and erudite person, now he is no longer an MP - a far cry from the swivel eyed lunatic I remember trying to push national identity cards during the Blair era.
  3. It makes sense that mortgage debt is the main driver of house prices... However, is there a direct correlation between house building rates and house prices - has anybody ever attempted to put both on a graph, say in post war Britain, alongside house price inflation? It'd be interesting to see the interaction
  4. Good article here on house prices in Auckland, New Zealand. Bernard Hickey: Prepare for the party to end http://www.nzherald.co.nz/business/news/article.cfm?c_id=3&objectid=11707415
  5. Anna Powell Smith, a developer/data scientist, has created a plot of house prices per square metre, by combining Land Registry data with area data from Energy Performance of Buildings Data, see here: https://houseprices.anna.ps/ I think the Energy Performance data has only recently been made available, though I'm not 100% sure about that. It is at the following link, but you need to register: https://epc.opendatacommunities.org/ It should be possible to use the same idea to produce more accurate plots of price changes over time than is possible with the LR data alone.
  6. There is a radio programme on Fivelive each week with Gabby Logan about buying houses. I have never listened to it but I have had the misfortune to listen to the endless promos for it on BBC Fivelive. Has anyone else listened to the promos - they are all about rising house prices, not too late to buy, property can only go up. I find it pretty disgusting. That's all I wanted to say really. Got that off my chest.
  7. The Guardian is reporting salaries by profession from ONS data https://www.theguardian.com/money/2016/oct/31/highest-paid-jobs-2016-ons-annual-survey-hours-earnings Take doctors, Median is £75k, 90th percentiles is £132k It is the 8th highest paid profession. The top is for financial traders / brokers - but too few reported to allow proper statistics. They had an average of £132k. The BoE are looking at mortgages multiples of 4.5 times... So median doctor can borrow £337k, top paid 10% of doctors can borrow £594k So how can house prices be where they are? Either mortgages are all much bigger than let on, or most people are committing tax fraud?
  8. This is a couple of weeks old, but I can't see that it was posted on here. https://uk.finance.yahoo.com/news/worlds-biggest-sovereign-wealth-fund-111754707.html
  9. http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/12157842/Weve-got-80000-in-student-debt.-Can-we-borrow-100000-for-our-first-home.html Contains the classic line, Renting at a 6% yield. Not the worst and who knows maybe they might be able to find a cheaper rental? Maybe then it will feel like they are paying for a service and not like throwing money away!
  10. I was reading a different forum about how in many advanced nations, the birth rates are falling bellow replacement level. In other words, there are fewer children per generation. I would expect with a decreasing population house prices would decrease.
  11. http://www.bbc.co.uk/news/uk-27360032 Viva Austeriteh! Viva the London real estate asset class! Viva Boris!
  12. http://www.telegraph.co.uk/finance/property/11700282/Mapped-How-much-has-your-house-price-moved-in-10-years.html Inflation adjusted prices over ten years aren't as high as I'd have thought for 90% of the country...
  13. http://www.theguardian.com/society/2015/apr/28/uk-housing-crisis-in-breach-of-human-rights Word.
  14. The BBC has done several interesting news items on News 24 today - almost as if there is a theme on housing. Or perhaps they just stuck them all out on a sunny winter afternoon so that no one will notice. 1. New York now has 60,000 homeless people - a staggering 25,000 of whom are children. But the homeless are increasingly people who have jobs but who cannot afford to actually even rent, let alone buy, a property in NY. The income inequality between what people earn and what it costs to rent is the biggest in the US apparently. 2. Boulder, Colorado - similar to the above re the income inequality between what people earn and what it costs to rent buy. Boulder has become increasingly trendy with a huge influx of people from California, Hollywood types and Silicon Valley types, moving to the area. The town has loads going for it - it feels like a small town and, rare in the US, over the decades the town council has bought loads of land around the outskirts which are basiclaly now public parks. So it is a great place for people who enjoy outdoor activities. The recent drug legislation has also attracted more people with money to the area. But now people born and bred in the area are finding that they cannot afford to live in the town. More and more are now clubbing together to live in 'communes' but Boulder has a law where more than 3 unrelated people cannot live in the same house... so more and more Boulder-born people are finding that they have to break the law to live in their own town. 3. Baton Rouge, Louisiana, is an interesting 'Soylent Green' type scenario. One area of Baton Rouge, which is predominantly white, is lobbying to break away from Baton Rouge and become a new town called 'The City of St. George' - leaving the rest of Baton Rouge, which is mainly black, to fend for itself. Most of the taxes, which pay for the schools, libraries, etc, in Baton Rouge come from the predominantly white area and hence, although it was not openly mentioned, you got the impression that there is an undercurrent of why should we pay for everyone else.
  15. http://www.southwales-eveningpost.co.uk/Drones-used-sell-homes-Swansea/story-25616489-detail/story.html#ixzz3LbkDmdoe
  16. http://www.dailymail.co.uk/money/mortgageshome/article-2865295/Millions-younger-homeowners-struggle-ladder-two-years.html Post on the main blog and I can't comment there! So, just wanted to point out that Iibertas is really bad at maths! If the house you bought goes up by 10%, any larger house in the same area will also have gone up 10% (a greater amount). Buying a bigger house is more about saving, i.e, the amount you can save after servicing your debt or paying your rent. Yes, increase equity is a kind of saving, just as share price increases, increase my equity, but as I have already pointed out the larger house you want to buy will have gone up by more than that equity saving! So saving will have to make up the shortfall, unless you really want one of those IO mortgages! Oh BTW, there is no ladder (I really must get around to drawing that picture of the bamboos flying helicopters and home buyers jumping from rope to rope! Anyone who remembers the BBC4 show will know what I mean). Anyone else want to tell libby that basic maths is beyond him..... At least some of the posters on the article get it! And this is my fav so far! From a young homeowner....
  17. Been keeping an eye on a house for 140k 2 months ago, it went down to 130k and then this week too 120k and I manged to buy it as a first time buyer for 115k with a 15% deposit. After years of low intrest rates I took the plunge. Even my parents neighbours have reduced there house from 140 to 125k this week because it has been up for a year. There is deals to be made as buyers wait till after the elcections but iam not delusioned to know that a storm is brewing. I just hope the 20% I saved can cover the loss I will make. Read more: http://www.thisismoney.co.uk/money/mortgageshome/article-2806165/Could-year-s-election-bag-bargain-home-Five-reasons-house-prices-slide.html#ixzz3H54emUus Follow us: @MailOnline on Twitter | DailyMail on Facebook
  18. House prices: Have sellers missed the top of the property market?http://www.telegraph.co.uk/finance/economics/11081014/House-prices-Have-sellers-missed-the-top-of-the-property-market.html
  19. It is basically an advert below for building your own home... and the advice for priced out people appears to be to build your own home on your parents' land... but the Shelter info about 29% of working adults in Wales unable to afford a home is interesting.
  20. First true sign of HPC. London asking prices drop 5.9% in a month! http://www.rightmove.co.uk/news/files/2014/08/august-2014.pdf
  21. ....or is it just a lack of decent jobs? http://www.dailymail.co.uk/money/mortgageshome/article-2709948/House-prices-Doncaster-lower-today-TEN-years-ago.html
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