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Subject   (reply to 445290)
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>> No. 445290 Anonymous
28th July 2021
Wednesday 7:42 am
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Imagine living here.
37 posts omitted. Last 50 posts shown. Expand all images.
>> No. 445357 Anonymous
30th July 2021
Friday 3:59 am
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And coming to a street near you soon! There’s nothing to do and nowhere to go for miles too, other than maybe a corner shop.
>> No. 445358 Anonymous
30th July 2021
Friday 9:03 am
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Just wait until you see the front and the two dozen cars blocking all the pavements.
>> No. 445362 Anonymous
30th July 2021
Friday 11:10 am
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Pavements? What human-friendly utopia are you envisaging?
>> No. 445363 Anonymous
30th July 2021
Friday 11:47 am
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>Can't make the windows bigger, energy efficiency innit.

Our architecture is still suffering from the Window Tax.
>> No. 445368 Anonymous
30th July 2021
Friday 3:20 pm
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Reminds me of a new build estate I lived in as a kid. Soulless, poorly built, but sold at a premium. They had plastic mock chimneys instead of actually bothering to build a real chimney, which felt very cheap for a 500k house.
>> No. 445369 Anonymous
30th July 2021
Friday 3:28 pm
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Do modern houses even need a chimney?
>> No. 445370 Anonymous
30th July 2021
Friday 3:31 pm
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I think it's more that some numpties are willing to pay a lot more for a tiny fake chimney than it costs to install.
>> No. 445371 Anonymous
30th July 2021
Friday 3:32 pm
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The small windows drive me insane. There's no good reason not to have larger windows and they improve the feeling and look of a house so, so much. Good Lord, it's so ugly and they aren't even good houses.
>> No. 445372 Anonymous
30th July 2021
Friday 3:53 pm
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>There's no good reason not to have larger windows

Cost of materials? I assume all new houses are built to maximise profits at the expense of the poor fuckers that buy them.
>> No. 445373 Anonymous
30th July 2021
Friday 4:19 pm
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It's substantially a thermal thing. Windows are a bastard - they let heat in unless you have shutters. They let heat out unless you buy expensive ones. They're more expensive than wall, as you pointed out.
Enjoy your windowless hovels, Londoners.
>> No. 445374 Anonymous
30th July 2021
Friday 4:26 pm
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What's great about these newbuilds is that the buyers get rogered by shared ownership or help to buy, that leave them excitingly exposed if the unthinkable happens or they want to do something unpredictable like sell and move. Being trapped there with a growing family would be a delight.
>> No. 445384 Anonymous
31st July 2021
Saturday 1:30 am
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Shutters would solve so many issues, doesn't seem an easy way to get them over here though. If I weren't renting I'd try to make some for myself.

Love my southwesterly windows in the winter but the relentless sun during the heatwave was pissing me off and I couldn't keep it out.
>> No. 445424 Anonymous
1st August 2021
Sunday 10:13 pm
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Where I live (Welwyn Garden City) there's several new developments, both completed and under construction, that look just like this.
>> No. 445491 Anonymous
4th August 2021
Wednesday 9:29 pm
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There were some brilliant memes about plastic copy paste builds kicking about here last year. Can't for the life of me remember them.
>> No. 445494 Anonymous
4th August 2021
Wednesday 10:05 pm
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>brilliant memes
>kicking about here
>> No. 445496 Anonymous
4th August 2021
Wednesday 10:07 pm
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Sneaky sneaky
>> No. 445498 Anonymous
4th August 2021
Wednesday 10:21 pm
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>> No. 445499 Anonymous
5th August 2021
Thursday 12:43 am
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Welwyn is different - it's one of the few serious efforts at building a new town (rather than a slum clearance) and has retained a relatively radical approach to planning. Many of the original neo-Georgian buildings around the Parkway are effectively mid-rise, so it's harder to argue that a new mid-rise block materially alters the character of the area.
>> No. 445775 Anonymous
19th August 2021
Thursday 12:27 pm
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Over the past year, the average house price of UK cities has grown by 10.3%, while average earnings for those living and working in cities rose just 2.1%. As a result, the average home in a UK city now costs 8.1 times average earnings (known as the Price to Earnings, or PE, ratio), according to Halifax, the UK’s biggest mortgage lender.

Halifax’s analysis of average house prices and earnings, in the 12 months to June 2021, has identified the most and least affordable of 61 UK cities. The research shows that, while city house prices rose to £287,440, up 10.3%, wages in the same locations only rose by 2.1% to £35,677.

This increased gap between house prices and earnings has lifted the PE ratio to 8.1, from 7.5 in 2020, meaning buying a city home has become less affordable for those that live and work in them. After sitting at 5.6 from 2011 to 2013, the PE ratio for UK cities has now risen for eight successive years.

Perhaps contrary to some perceptions, overall cities are marginally more affordable than the average for the UK as a whole, which has a PE ratio of 8.5 (UK average house price: £327,691, average earnings: £38,600). This pattern of greater city affordability has been visible in the data since 2014, and in 2021 the gap between PE for cities and all UK homes increased to its widest point, of 0.43. This widening over the last 12 months may reflect home-movers looking for more space to accommodate homeworking during the pandemic.


The ratio between the average city house price and average earnings has increased from 5.6 to 8.1 over the past decade.

Enjoy your shitty newbuild box, peasants.
>> No. 445776 Anonymous
19th August 2021
Thursday 2:06 pm
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>average earnings: £38,600
uwotm8? Is that the mean rather than the median?
>> No. 445777 Anonymous
19th August 2021
Thursday 2:32 pm
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It's about that per household rather than per individual for disposable income, i.e. net of tax and benefits.
>> No. 445778 Anonymous
19th August 2021
Thursday 4:47 pm
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Trying to buy my grandma a bungalow at the minute. What a fucking depressing sight a new build one is. They look like a sandstone version of the hut my scout troop was in as a kid. And how can you market them as retirement houses when you clearly couldn't fit a wheelchair or walker or zimmer frame dosn the corridors.

But it's okay, because the older more reasonably built ones are 300k+ even here up north. Though one we looked at was entirely fitted with tartan carpets, so that did cheer me up.
>> No. 445779 Anonymous
19th August 2021
Thursday 4:57 pm
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Shove her in sheltered housing?
>> No. 445792 Anonymous
19th August 2021
Thursday 6:51 pm
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It's an idea, as it'd probably be good for her to have old biddy neighbours to chat to, but at the same time I'd like to/like her to own the house so we can adapt it fully to her needs. Plus as illustrated, sheltered housing is grim as fuck, and at least until the dementia fully takes over I'd like her to have a nice place.
>> No. 445808 Anonymous
19th August 2021
Thursday 10:19 pm
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Lloyds Banking Group is aiming to become one of the UK’s largest landlords by purchasing 50,000 homes in the next 10 years, according to internal documents.

Lloyds last month announced its entry into the private home rental market under the Citra Living brand as an attempt to diversify the bank’s income away from traditional lending, which is being squeezed by low interest rates.

The bank has been tight-lipped about its long-term targets for the business, but an internal job advertisement seen by the Financial Times revealed that Citra has set a “strategic challenge” of reaching 10,000 properties by the end of 2025, with a further aim to hit 50,000 by 2030. It estimated that with 10,000 homes, Citra would have a balance sheet worth about £4bn and generate about £300m in pre-tax profit.

Tax changes have led to a reduction in the number of small-scale landlords who previously dominated the UK rental sector, but a shortage of housing and increase in the number of families renting has encouraged more large companies to enter the sector in recent years.

Insurance and fund management groups, such as Legal & General and M&G, have become major investors, while retail chain John Lewis is planning to convert some of its stores and other land into thousands of rental homes. Lloyds, which is the country’s largest mortgage lender, is hoping that its existing knowledge of the property market will give it an edge.

One risk is competing with its own potential customers. The company’s first property was a recently-completed development in Peterborough, but the bank has said it hopes to build most of its portfolio by developing new sites from scratch to avoid “hoover[ing] up properties owner-occupiers would want to buy”. Earlier this month it agreed a partnership with FTSE 100 housebuilder Barratt.

>> No. 445813 Anonymous
19th August 2021
Thursday 10:48 pm
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Well, millennials keep complaining they can't afford a downpayment on a house, this way they only need 3 months rent up front.
>> No. 445818 Anonymous
19th August 2021
Thursday 11:29 pm
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Developments like this worry me because I'm now in a position to buy a home but would like 6 months of renting in an area first. To top it off there's all the bullshit paperwork involved and being messed around. I can see myself getting priced-out for a number of years and when I finally do get a home the housing market crashes as the baby boomers die-off.

I wonder what will happen in a few years time when people want to trade up to fit a family only to discover they can only have that if they sell and go back to renting.
>> No. 445837 Anonymous
20th August 2021
Friday 12:50 pm
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>housing market crashes as the baby boomers die-off.

This isn't what happens. Corporate Landlords are accumulating all of the housing stock and the Government is utterly stacked with Landlords so nobody with power to improve the situation for normal people has an interest to do so.

The future is cities full of empty luxury apartments and us sleeping in capsules in an old Debenhams.
>> No. 445838 Anonymous
20th August 2021
Friday 2:34 pm
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We're heading for that future either way, so we may as well relish the delicious salty tears of buy-to-let wankers as they get utterly shafted in the process.
>> No. 445839 Anonymous
20th August 2021
Friday 3:15 pm
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I'm not sure how to put this but if you're laughing at BTL fucktards... I agree. But this is not that, this is end stage capialism. They (meaning people with the money) will buy the property because they know that you and I need space to live. So they buy it because it's a long term return, wealth at that level is institutional or generational. It's not an us v.s. them, it's people versus the system. Marx was right.
>> No. 445840 Anonymous
20th August 2021
Friday 7:19 pm
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Massive crash around the year 2026 according to some guy who says he predicted the 2008 crash. I've read other economists also predicting a crash around the mid-2020s, which is likely going to be much bigger than any of the crashes we've had in the past few decades due to various factors combining.
>> No. 445841 Anonymous
20th August 2021
Friday 7:23 pm
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>It's not an us v.s. them, it's people versus the system.
But the people are the system. Most voters are homeowners; that's why they vote for these fuckers. If banks buy every house, think how much I'll pay to buy your house when it's the only one available.

We need to start breeding frantically so we can outvote them, or alternatively, bring about the violent uprising and mass slaughter that I am legally required to not sound too enthused about.
>> No. 445842 Anonymous
20th August 2021
Friday 7:24 pm
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There are always economists talking like that. It's how they pay the bills.
>> No. 445843 Anonymous
20th August 2021
Friday 7:33 pm
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Exactly. I've been here since 2010 and there's been people posting every year without fail that the next crash is just around the corner.
>> No. 445844 Anonymous
20th August 2021
Friday 7:47 pm
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I still find myself wishing for the next crash despite noticing that my thought process is cargo cult stuff: If the 1973 oil crisis and 1981 recession could kill the political economy of the 40s-70s consensus, surely the 2008 recession, the 2020-21 recession, the 2026 recession, the 2030 recession... will kill off the political economy of the 1980s-present day consensus. Even as it becomes increasingly clear that even if the present system goes away, it will only be to replace it with a system that has all of the downsides of the present while also abolishing the very concept of personal property (just rent it!) I have to cling to my belief: Just beyond the next recession lies a better world. Maynard Frum is going to return one day in a big shiny aeroplane with enough cargo for everybody.
>> No. 445846 Anonymous
20th August 2021
Friday 8:00 pm
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If my favourite scotswoman at MoneyWeek is to be believed, there will be a crash, but only in real terms. Consumer goods and wage inflation will take off and house prices will not keep up. Interest rates will remain for as long as central bankers can keep manage, but the cost of living will rise and so despite low rates people won't be able to afford to pay as much (in real terms) for housing.

I believe everything she says, so I buy into this too, and I think climate change will help by increasing the cost of almost everything.
>> No. 445847 Anonymous
20th August 2021
Friday 8:29 pm
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>climate change

Now you've done it.
>> No. 445851 Anonymous
21st August 2021
Saturday 2:00 am
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Where else am I supposed to live?
>> No. 445853 Anonymous
21st August 2021
Saturday 6:39 am
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>> No. 445859 Anonymous
21st August 2021
Saturday 9:59 am
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>> No. 445861 Anonymous
21st August 2021
Saturday 11:38 am
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I actually visited Mansfield last week. Did not see the Massive.
>> No. 445862 Anonymous
21st August 2021
Saturday 12:04 pm
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They must be approaching 30 by now.
>> No. 445864 Anonymous
21st August 2021
Saturday 7:07 pm
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These Gentlemen do not look massive in the slightest! I demand a full refund.
>> No. 445865 Anonymous
21st August 2021
Saturday 7:54 pm
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Are you suggesting that the Mansfield Massive is a lie?

I sincerely hope not.
>> No. 445866 Anonymous
21st August 2021
Saturday 7:59 pm
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>> No. 445867 Anonymous
21st August 2021
Saturday 8:37 pm
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They're just very far away. They're in Mansfield, after all.
>> No. 446104 Anonymous
14th September 2021
Tuesday 12:49 pm
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Young people can buy houses if they 'don't go out drinking', says 22-year-old Stockport landlord

A 22-year-old landlord and student from Stockport says there’s no reason young people can’t buy houses — so long as they don’t ‘go out drinking’ and ‘make the most out of living at home’.

Josh Parrott bought his first house when he was just 19, using money he saved up from two jobs he did between school lessons. He rented out the £115,000 house while paying rent to his parents, saving enough to buy another one for £140,000, aged 21. Josh did a £20,000 revamp and saved money by doing most of the labour himself after work, increasing the value by £60,000. He plans to move in soon and is already on the search for his third property. The businessman plans to own ten properties — renting out nine — by the time he is 30, buying one a year so he can finally put his feet up and work when he fancies.

With grand plans on a property empire, Josh has some advice for other people in his position. He said there’s no reason young people can't afford to buy homes — but admits his mates said he was "boring" when he said no to drinks or buying new clothes.

"There’s no reason people my age can’t buy houses,” said the trainee mortgage advisor from Stockport. “You just have to get past the mindset that there are certain things you do at certain ages. It wasn’t about being super bright or anything. You just need to make the most out of living at home: it’s nothing like as expensive as renting privately or through an agency. I just didn’t blow money on going out drinking and I spent almost nothing on cclothes. My mates all said I was being boring. And I don't have the expense of kids yet or anything.

“I was given a Ford Fiesta, which I kept, whereas a lot of my friends are buying expensive cars like Mercedes on finance schemes. I mean they're nice cars but I was able to put-away up to £1,200 a month by the time I went full-time. I could have spent that by going out on the town. Working at an estate agent is a great job for young people and it doesn't require any qualifications."

>> No. 446106 Anonymous
14th September 2021
Tuesday 1:13 pm
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>He also had a cleaning job at the locksmith company owned by his parents Glenn, 55, and Anne Millen, 53, while he did his A-levels.
I don't even have a witty comment, I just knew if I went looking I'd find it.
>> No. 446107 Anonymous
14th September 2021
Tuesday 1:25 pm
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The whole thing is bollocks. Apparently his £14,000 salary when he went full-time means you can buy a £115,000 house with an £11,000 deposit.

If he started working part-time for the estate agents in 2015, had a cleaning job with his parents for a few years, went full-time in 2018 and was putting away £1,200 per month then only being able to save £11,000 for a deposit by the time he bought a house the following year is actually pretty poor going.
>> No. 446116 Anonymous
14th September 2021
Tuesday 5:04 pm
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Bet he's a virgin, though.

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