I know many young folks that stay with their parents well into their 20s and don’t save for a mortgage, they Charlotte Checkers 2019 Calder Cup Playoffs Shirt go out every weekend and go on 3 holidays a year. Why is it always about younger people Its people of all ages who can’t afford a mortgage Or can’t get a mortgage as can’t afford to save for a deposit whilst also paying rent Plus, rental payments aren’t taken into account as proof you can afford a mortgage! Until the banks change attitudes towards renters it won’t change!
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This does make me laugh. Nobody owns their house until every penny of that mortgage is paid off. Until then it all belongs to the lender! So that’s at least 20-25 years. I will never own a house, I’ve made my peace with that. There does seem to be an obsession with buying a house in the UK. Seriously are people that anti anyone having a little bit of fun whilst they save up? Never go out, no holidays, no extras? It’s pretty obvious that the current housing market is out of control.
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The first flat I bought for £34,000 in 1999 is now up for £150,000. Salaries have nowhere near increased as much. I think it’s really insulting to a generation that has been saddled with student debt, zero hours contracts and an impossible housing market, to then tell them they just need to save harder. Take 1 needle out per your household (your family only) now add 1.88 (two needles represents growth rate figures 2018) into the Orange.
Cut oranges in half and now see how much space there is. The Needles represents the population of the UK. The Orange represents the island we live on. The inner sphere represents the housing stock and what’s left. Whilst there is space for you to put your needle into the Orange the reality is you are nowhere Charlotte Checkers 2019 Calder Cup Playoffs Shirt near the equivalent to your parents or grandparents feasible fiscal decision making. This is because this country has underpaid salaries and suppressed growth since the bubble burst in 2008.