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Dave Spart

The Hpc Agenda Forum.

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[Could readers also refer to post #18 in this thread where my best idea is suggested, ta.]

Occasionally over the last year or so there has been the odd suggestion here and there that we could form a political party.

While I don't necessarily agree with that, by now most of the contentious issues have been discussed.

If we as a group had a chance to change to the way the property market and related issues work what would our list of issues look like?

I was wondering if such an agenda listing our proposals might become a tab on the home page (alongside home, graph, base rates, resources books blog, wiki, forum).

Edited by Dave Spart

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Occasionally over the last year or so there has been the odd suggestion here and there that we could form a political party.

While I don't necessarily agree with that, by now most of the contentious issues have been discussed.

If we as a group had a chance to change to the way the property market and related issues work what would our list of issues look like?

(I was wondering if such an agenda might become a tab on the home page (alongside home, graph, base rates, resources books blog, wiki, forum).

Not easy since there is a spectrum of agendas here from people who believe there should always be equitable house pricing for all, to others who hope the bubble doesn't burst this time, to others who are waiting for the bottom and the start of the next boom so they don't miss the chance to make a packet this time.

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Occasionally over the last year or so there has been the odd suggestion here and there that we could form a political party.

While I don't necessarily agree with that, by now most of the contentious issues have been discussed.

If we as a group had a chance to change to the way the property market and related issues work what would our list of issues look like?

(I was wondering if such an agenda might become a tab on the home page (alongside home, graph, base rates, resources books blog, wiki, forum).

Plus where would Injin fit in?

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Occasionally over the last year or so there has been the odd suggestion here and there that we could form a political party.

While I don't necessarily agree with that, by now most of the contentious issues have been discussed.

If we as a group had a chance to change to the way the property market and related issues work what would our list of issues look like?

(I was wondering if such an agenda might become a tab on the home page (alongside home, graph, base rates, resources books blog, wiki, forum).

unless you can get the full backing of the media you wont stand a chance and you will only get the full backing of the media if you make sure their pockets are incredibly well lined.

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Here's two proposals I'd like to put forward:

(1) Giving owner occupiers first refusal on properties coming to market.

We all know that much of the injustice felt on this forum arises because BTLers are able to outbid FTBers and other owner occupiers. This has caused great polarisation and resentment among the dispossessed causing many to consider leaving the country taking their skills with them. As a way of addressing this I propose that all properties coming on to the market are for the first three months off limits for BTLers.

(2) Estate Agents are required to charge fixed flat fees. Those fees are would be stated up front, bear no relation whatsoever to the agreed sale price and would be paid whether or not the sale went through. The estate agent would then have no interest in pressurising a sale or conniving to increase the sale price.

Edited by Dave Spart

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Occasionally over the last year or so there has been the odd suggestion here and there that we could form a political party.

While I don't necessarily agree with that, by now most of the contentious issues have been discussed.

If we as a group had a chance to change to the way the property market and related issues work what would our list of issues look like?

(I was wondering if such an agenda might become a tab on the home page (alongside home, graph, base rates, resources books blog, wiki, forum).

All estate agents to have right to say what they like removed. They are currently advisors whos' advice is unregulated. "Now is the best time to buy" etc......

So, how about no comment allowed apart from "the property value can go down as well as up" For too long housing has been seen as the only risk free stock in existance, which history shows is just not true.

I have known too many people have heartbreaks over negative equity through my life. It really does need regulating , the "you cannot lose " statement must be banished from agents mouths. Lambs to the slaughter need to be protected from themselves.

I'VE GOT IT!!!!!! ----- simple! An obligatory course on the history of house prices and its effects on lives for all first time buyers. Homework would be to study the land registry site and its graphs.

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Guest KingCharles1st

This is very simple.

Imagine a gradual line on a chart

at the bottom end, there are cheap one bed flats etc, for people who have little money. I would put the value of a property like this at a guide of 45-50K

At the top end, there are the million pound properties, for the most well off in our society.

Everything else is stretched out in between in a sensible fashion.

Now look at the system we currently have- the lower end of the chart has become utterly dysfunctional.

Now lets look at LAND- its price as farmland, its price with outline permission, and its price with full building permission.

Now lets look at corruption, restriction of supply, NIMBYism and all the other problems that go with it.

With sensible land prices, we get sensible house prices, and we therefore don't get half of the ailments this country is now suffering.

Edited by KingCharles1st

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unless you can get the full backing of the media you wont stand a chance and you will only get the full backing of the media if you make sure their pockets are incredibly well lined.

We could all go on big brother or such like and discuss the issues all day, therefore getting are agenda across and destroying reality TV viewing figures permanently.

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Now lets look at LAND- its price as farmland, its price with outline permission, and its price with full building permission.

Replace stamp duty with an annual land tax assessed on the last purchase price of the land (minus rebuild cost of any property), including land held by land banks perhaps?

Edited by apr400

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unless you can get the full backing of the media you wont stand a chance and you will only get the full backing of the media if you make sure their pockets are incredibly well lined.

At this stage the media has no relevance as this is meant as an exercise strictly internal to HPC.

My only interest is that we HPCers develop our own set of proposals. Where we go from there is a choice I leave to you.

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The ony unifying issue on this forum is the desire for house prices to be lower (by the majority). Beyond that everyone falls into varying camps, hardly the basis for a poltical party.

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This is very simple.

Imagine a gradual line on a chart

at the bottom end, there are cheap one bed flats etc, for people who have little money. I would put the value of a property like this at a guide of 45-50K

At the top end, there are the million pound properties, for the most well off in our society.

Everything else is stretched out in between in a sensible fashion.

Now look at the system we currently have- the lower end of the chart has become utterly dysfunctional.

Now lets look at LAND- its price as farmland, its price with outline permission, and its price with full building permission.

Now lets look at corruption, restriction of supply, NIMBYism and all the other problems that go with it.

With sensible land prices, we get sensible house prices, and we therefore don't get half of the ailments this country is now suffering.

So in a nutshell you're proposing Land Tax - which I would defintely second.

Edited by Dave Spart

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Guest UK Debt Slave
Occasionally over the last year or so there has been the odd suggestion here and there that we could form a political party.

While I don't necessarily agree with that, by now most of the contentious issues have been discussed.

If we as a group had a chance to change to the way the property market and related issues work what would our list of issues look like?

(I was wondering if such an agenda might become a tab on the home page (alongside home, graph, base rates, resources books blog, wiki, forum).

I just want to see mass peaceful protests like the ones taking place in Iran

It's a measure of how 'dead' British people are that do nothing while the political elite stamp on their faces

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The ony unifying issue on this forum is the desire for house prices to be lower (by the majority). Beyond that everyone falls into varying camps, hardly the basis for a poltical party.

It's the majority view on here, but I wouldnt even go as far as to say it is the unanimous view.

Maybe we should form an anti-party. A PARTY-TIME un-party, with drinks, balloons and snacks. We've got some left over dead-cat-and-pickle sandwiches from a thread earlier this week to start things off.

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The ony unifying issue on this forum is the desire for house prices to be lower (by the majority). Beyond that everyone falls into varying camps, hardly the basis for a poltical party.

I'm not proposing a political party - I'm asking for proposals from HPC members that we can debate and vote on as to how we improve the way the market works.

Put your own proposal forward and lets see how many people support it.

Mods : we have forums on the following subjects:

House prices and the economy

The off-topic forum

Regional House Prices

All about renting

and so on, but no 'Agenda Forum'. Could you introduce one so that we HPCers can suggest proposals then let members debate and vote on whether they support them? That would be excellent. Then we could have an Agenda tab on the front page so that world can see at a glance what we HPCers are all about.

This will add an entirely new and refreshing dimension to HPC.co.uk.

Edited by Dave Spart

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Simply increase taxes on a residential purchase if the purchaser already owns/is a mortgagor on another.

Could be exempted from commercial RE so as not to impact the high street, I suppose. Possibly the best way to distinguish is to use the use classification councils have for each 'property' e.g. commercial / residential etc.

This will level the playing field against highly leveraged BTL specs.

Also discourages greedyness and exploitation.

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Simply increase taxes on a residential purchase if the purchaser already owns/is a mortgagor on another.

Could be exempted from commercial RE so as not to impact the high street, I suppose. Possibly the best way to distinguish is to use the use classification councils have for each 'property' e.g. commercial / residential etc.

This will level the playing field against highly leveraged BTL specs.

Also discourages greedyness and exploitation.

This is just the sort of post that deserves to be treated as a proposal in our Agenda Forum so that we can all debate and vote on it.

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I'd like to see multiple home-owners hit hard. Especially Multiple BTLers and holiday home owners which are wrecking communities.

Yes I know there is always a need to rent, so maybe we could have a tiered tax bracket system. Oh I guess that's Land Value Tax then.

I know it's frequently discussed here, but it seems so right on so many levels and would be a great cure-all for our ponzi housing system.

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Simply increase taxes on a residential purchase if the purchaser already owns/is a mortgagor on another.

Could be exempted from commercial RE so as not to impact the high street, I suppose. Possibly the best way to distinguish is to use the use classification councils have for each 'property' e.g. commercial / residential etc.

This will level the playing field against highly leveraged BTL specs.

Also discourages greedyness and exploitation.

I have a better idea. Properly regulate the banks and make impossible to borrow more than 5% of the total value of ones primary residence. That way, people living in leafy suburbs and affluent London wouldn't be able to MEW to buy up second homes in remote places.

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I'd like to see multiple home-owners hit hard. Especially Multiple BTLers and holiday home owners which are wrecking communities.

Yes I know there is always a need to rent, so maybe we could have a tiered tax bracket system. Oh I guess that's Land Value Tax then.

I know it's frequently discussed here, but it seems so right on so many levels and would be a great cure-all for our ponzi housing system.

Again another proposal that deserves debating and voting on in an Agenda Forum.

Let's get organised.

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Occasionally over the last year or so there has been the odd suggestion here and there that we could form a political party.

While I don't necessarily agree with that, by now most of the contentious issues have been discussed.

If we as a group had a chance to change to the way the property market and related issues work what would our list of issues look like?

I was wondering if such an agenda might become a tab on the home page (alongside home, graph, base rates, resources books blog, wiki, forum).

Erm, yeah right. Leader from the TFH faction? The (BN|UKI)P faction? Denialist faction? Injin as shadow chancellor? Even among historically "respectable" factions I see a range from 1970s-socialist through Thatcherite to Libertarian.

Anyway, here's one for the pot. A week or two ago, someone on the wireless interviewed a man who had been required to give up his second allotment, because it was considered underused, and demand exceeded supply. If we accept that housing is more of a necessity than the allotment, we can presumably expect the same to apply to multiple home owners and empty-nesters. Or is this another case of double-standards?

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Guest KingCharles1st
Anyway, here's one for the pot. A week or two ago, someone on the wireless interviewed a man who had been required to give up his second allotment, because it was considered underused, and demand exceeded supply. If we accept that housing is more of a necessity than the allotment, we can presumably expect the same to apply to multiple home owners and empty-nesters. Or is this another case of double-standards?

A Farmer can leave an "edge" of around 2-5 metres round his fields because it would be difficult to grow/cultivate/harvest that last little bit, yet land is "scarce" and the general public have to live in pre-designated control areas in shoe boxes, while forcedly saving the planet by no longer being allowed to have tiny plastic bags at Supermarkets.

How much land area is wasted countrywide when all that 3-5 metre edging is added up?

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