Cameron's housing plans

can you not see why picking up on hyped press articles of specific areas might distort your view of the reality in the county as a whole? Take a look at this map from a few years ago:

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As far as I can tell the figure is just over 5% for the county - not the 50% figure you're claiming sure it is high in specific areas - surprise surprise tourist areas like Rock have a high portion but then again it is is also useful to have holiday lets in the tourist areas.
 
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dowie said:
you're talking about specific small towns I'm talking about the county as a whole - your small town example doesn't contradict anything

if you want to contradict it then do so with figures for second homes in the county as a whole
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It's the same story up and down the coastal towns. All 2nd homes.

And you'll find that a lot of the property here is bought up by retired people coming to live out their days in Cornwall. And a staggering amount is bought as BTL by people from up country (we blame Londoners, but it isn't only Londoners).

So in Cornwall you have:

2nd homes (which dominate the coastal towns).

Older people who come here from up country; to retire or in their late 50s. Can afford to buy 300k+ homes (locals can't).

BTL landlords who live up country (another of my pet hates).

People who were born here, struggle to get any work at all, and either live at home or rent.

And the places that the local lives are the places like Redruth and Camborne. Slums with massive drug problems and officially the most impoverished places in the UK. Even there most of the property is BTL.

This is the reality of Cornwall. You'd love it if you have money.

But if you're born here - well, most ambitious young people leave Cornwall as quickly as they can.
 
you're getting into the whole local-ism/protectionism anti 'outsiders' thing again... so what if people want to retire somewhere nice by the seaside?

you don't have an inherent right to own a piece of land or property simply because you were born nearby any more than someone born in London can get to exclude others from moving there - we might as well stop all migration to London or even the UK and keep everyone to the historical feudal counties they were raised in if we take that approach

yes you might not be able to afford the pretty cottage by the sea on the average local wage at the moment, the typical Londoner doesn't get to live in a townhouse in Chelsea either
 
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dowie said:
can you not see why picking up on hyped press articles of specific areas might distort your view of the reality in the county as a whole? Take a look at this map from a few years ago:

3d1GYHp.jpg



As far as I can tell the figure is just over 5% for the county - not the 50% figure you're claiming sure it is high in specific areas - surprise surprise tourist areas like Rock have a high portion but then again it is is also useful to have holiday lets in the tourist areas.
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What you also don't know about Cornwall is that there's a staggering shortage of available work.

Which is fine if you're retired, and come to Cornwall (buying a nice 300k home) to see out your days.

But a lot of places in Cornwall are dead. Completely dead. No work.

So when the prices of houses are inflated by /anything/, 2nd homes, BTL, or retired people flocking down here to live near the sea, it royally *****s up everyone else.
 
Foxeye why don't you move out for few years earn some money and then go back to your town and buy a place.

When I was 20 I moved abroad with 70 quid in my pocket and a backpack of clothes. Now I have a well paid job and earlier this year I bought my first property. All without any help from family or government. You need to make things happen not having them handed to you.
 
FoxEye said:
What you also don't know about Cornwall is that there's a staggering shortage of available work.
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no I'm aware of that, strange that you're claiming what I do and don't know when you yourself had completely the wrong idea about the actual percentage of second homes by a factor of 10

Which is fine if you're retired, and come to Cornwall (buying a nice 300k home) to see out your days.

But a lot of places in Cornwall are dead. Completely dead. No work.
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so probably best to move and look for work then? Or get some actual skills people find valuable and work from home. Rather than expecting handouts in the form of 'affordable housing'.

So when the prices of houses are inflated by /anything/, 2nd homes, BTL, or retired people flocking down here to live near the sea, it royally *****s up everyone else.
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if lots of people want to live in a particular area then prices will go up - it isn't just second home owners as you also realise, some people like to retire there - I worked with a guy who worked from home there, I'm not sure if he had a local connection to the place or his wife did but he liked surfing and chose to live there - it is a free country and some parts of it are popular places to live or to retire to

just because you're born somewhere doesn't mean the taxpayer needs to subsidise you in buying a piece of it and you can't blame all your woes on second home owners or buy to let landlords - the local economy being a bit poor isn't all on them
 
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bayo000 said:
Foxeye why don't you move out for few years earn some money and then go back to your town and buy a place.

When I was 20 I moved abroad with 70 quid in my pocket and a backpack of clothes. Now I have a well paid job and earlier this year I bought my first property. All without any help from family or government. You need to make things happen not having them handed to you.
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We're not asking for anything to be handed to us.

Just that we're facing unfair competition from the very rich, who want to buy up property down here. Or the nearly rich, who want to come down here and retire (buying up property, again).

http://www.westernmorningnews.co.uk...ys-Right-Buy/story-26331821-detail/story.html

A more recent article.

We're not building enough houses, and the government wants all social housing sold off. And isn't replacing it.

Every action the govt takes seems to be making things worse.
 
dowie said:
just because you're born somewhere doesn't mean the taxpayer needs to subsidise you in buying a piece of it and you can't blame all your woes on second home owners or buy to let landlords - the local economy being a bit poor isn't all on them
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My problem is that they refuse to tax BTL landlords and 2nd home owners fairly.

Despite all the hot air and promises, BTL still have an easier time getting a mortgage; 2nd home owners still can pay less council tax than locals.

Do you agree with those kinds of subsidies? Are subsidies OK for the rich, but a terrible travesty when given to the underclasses?
 
FoxEye said:
We're not asking for anything to be handed to us.
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you are if you're asking for 'affordable housing'

We're not building enough houses, and the government wants all social housing sold off. And isn't replacing it.

Every action the govt takes seems to be making things worse.
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but in your bump to the thread the government is seemingly demanding that more homes be built - your gripe was that they're not 'affordable housing'
 
FoxEye said:
My problem is that they refuse to tax BTL landlords and 2nd home owners fairly.

Despite all the hot air and promises, BTL still have an easier time getting a mortgage; 2nd home owners still can pay less council tax than locals.

Do you agree with those kinds of subsidies? Are subsidies OK for the rich, but a terrible travesty when given to the underclasses?
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Osborne recently removed BTL tax breaks - you seem to have a real chip on your shoulder re: BTL landlords

I'm not sure it is easy to get a BTL mortgage these days - if it is so easy and there are so many tax breaks and advantages to it then why have you not done so yourself in the time you've been living at home?
 
But you're limiting yourself to certain location. Move somewhere where there are better oportunities for few years, houseshare to keep cost down and save like mad if you really want to buy. In last 10 years I only had 2 what I'd call proper holidays. Otherwise I only went to visit parents or siblings on my days off.

I'd like to have bought my place in nice part of Manchester but instead I bought in nice(ish) area surrounded by council estates hoping that in few years I'd be able to sell up and move somewhere where I actually want to live.
 
bayo000 said:
But you're limiting yourself to certain location. Move somewhere where there are better oportunities for few years, houseshare to keep cost down and save like mad if you really want to buy. In last 10 years I only had 2 what I'd call proper holidays. Otherwise I only went to visit parents or siblings on my days off.

I'd like to have bought my place in nice part of Manchester but instead I bought in nice(ish) area surrounded by council estates hoping that in few years I'd be able to sell up and move somewhere where I actually want to live.
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Yes, we can sacrifice (everything). Can subsist to just about be able to save some money. Remove ourselves from friends and family. Live in a shared house with a sink in your room and a microwave for a cooker - and still pay more in rent than a typical mortgage.

Chances are tho that house prices will continue to inflate beyond the rate many people can save. >5% a year down here. For many, if you aren't already on the ladder, you simply won't ever get on it.

@dowie: BTL landlords have a much, much easier time getting a mortgage. No deposit required. Tax breaks on rental income. Write off many things as business expense. Etc.
 
I give up you clearly don't know what you're talking about.

If you want to save you HAVE to make sacrifices. You'll never save money if you're going out all the time and want to have all the latest gadgets. If I remember right from your "5 years to £50k thread" you're working for local council doing nothing, as you said. In a way we already are giving you money for nothing but that's clearly not enough for you.
 
FoxEye said:
@dowie: BTL landlords have a much, much easier time getting a mortgage. No deposit required. Tax breaks on rental income. Write off many things as business expense. Etc.
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so why aren't you a BTL landlord if property ownership is such a big thing for you?
 
bayo000 said:
I give up you clearly don't know what you're talking about.

If you want to save you HAVE to make sacrifices. You'll never save money if you're going out all the time and want to have all the latest gadgets. If I remember right from your "5 years to £50k thread" you're working for local council doing nothing, as you said. In a way we already are giving you money for nothing but that's clearly not enough for you.
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Try saving when you're earning min wage. Try actually saving enough for a deposit. I haven't been in work for 9 months now - my contract with the council ended, and I was never a perm, despite working there for 4.5 years, I was always on a temp contract.

I don't have any gadgets. My PC is low-end, my phone is a budget phone on PAYG. I don't go on holiday. I don't go out at all, I don't drink, I spend naff all on anything (apart from car insurance and maintenance, which is costing me more than taking the bus, so might have to be sold).

If I was paying rent at market rates (I'm not since I live at home), I would have just about broke even. In fact in the first 3 years (min wage) I'd have made a loss each year. Only in the last year would I have made any money.

That is living in Cornwall. One of my old managers moved down here, worked for a few months, then told us he was leaving. The reason? His basic living expenses amounted to more than he earned (rent was a huge factor in this). So he left again. And he was earning a lot more than me.

In Cornwall the number of people below 35 buying a house is going down year on year.

Sorry if you think I don't know what I'm talking about. I'm not sure how to convince you otherwise. Try living here?
 
FoxEye said:
Wouldn't stoop so low. It's everything wrong with this country, and I won't be part of the problem.
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some might argue that staying in a job working for the council then not moving somewhere else to look for work would also be a bit problematic - do you not think that maybe you could look for work outside of Cornwall for a while or get some role that might allow you to move back and work from home?
 
Sorry didn't know your situation changed so much. Thought you were still in that job. It can change, I worked just above minimum wage jobs in past while house sharing. Yes some months were hard but you have to work and look out for opportunities. Really don't understand why you just don't pack some stuff and move somewhere cheaper. You at least have that safety net that you can go back home if things don't work out.
 
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