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Prices Stable or Rising in 94% of the UK....
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HAMISH_MCTAVISH wrote: »Spot on.
The only generational problem we have today is a bunch of young underachievers whining about how everything should be handed to them on a plate.
The world doesn't work that way. And never did.
LOL, says the bloke who happily took money off his parents to buy his first house.
Class.0 -
Graham_Devon wrote: »LOL, says the bloke who happily took money off his parents to buy his first house.
Class.
Thanks for reminding me, I'd forgotten how much that proves my point.
We had plenty of money for a deposit for a flat without help.
But the only way we could have afforded to buy a proper house as an FTB, even with two professional incomes, even 20 years ago, was with help from our parents.
And our parents were exactly the same in the 1960's.
Even with two incomes, they could not buy a house as FTB's without help, a small flat, maybe, but not a full house.
So it seems you really are just being a whiner after all....;)“The great enemy of the truth is very often not the lie – deliberate, contrived, and dishonest – but the myth, persistent, persuasive, and unrealistic.
Belief in myths allows the comfort of opinion without the discomfort of thought.”
-- President John F. Kennedy”0 -
Right, so instead of taking the flat, you took the money on a plate and bought the house. You couldn't have the house, but wanted it, so used other non earnt means.
Yes, your point is proven Hamish, well and truly
My point is, don't put others down, when you did exactly what you are putting other down for.0 -
HAMISH_MCTAVISH wrote: »But the only way we could have afforded to buy a proper house as an FTB, even with two professional incomes, even 20 years ago, was with help from our parents.
And our parents were exactly the same in the 1960's.
Even with two incomes, they could not buy a house as FTB's without help, a small flat, maybe, but not a full house.
So you're bascially saying that houses are unaffordable for first time buyers?
Blimey, it's like that moment when a full blown alcoholic turns to you and says "you know what, I think I might have a bit of a drink problem." 0 -
Graham_Devon wrote: »Right, so instead of taking the flat, you took the money on a plate and bought the house. You couldn't have the house, but wanted it, so used other non earnt means.
Yes, your point is proven Hamish, well and truly
My point is, don't put others down, when you did exactly what you are putting other down for.So you're bascially saying that houses are unaffordable for first time buyers?
Blimey, it's like that moment when a full blown alcoholic turns to you and says "you know what, I think I might have a bit of a drink problem."
You're running rings boys. Poor Hamish should go back to immigration.0 -
Graham_Devon wrote: »Right, so instead of taking the flat, you took the money on a plate and bought the house. You couldn't have the house, but wanted it, so used other non earnt means.
Yes, your point is proven Hamish, well and truly
My point is, don't put others down, when you did exactly what you are putting other down for.
You make less and less sense every day.
Could you explain how I have ever put anyone down for taking parental help to buy something more than they could afford without it?“The great enemy of the truth is very often not the lie – deliberate, contrived, and dishonest – but the myth, persistent, persuasive, and unrealistic.
Belief in myths allows the comfort of opinion without the discomfort of thought.”
-- President John F. Kennedy”0 -
HAMISH_MCTAVISH wrote: »It's based on Surveyors reports of what is happening to prices in their areas.
Surveyors are of course the people who do the mortgage valuations for property, so questioning their reported data seems rather futile.....
It's based on the opinions of the surveyors who also handle sales.... now I don't know how it is in Aberdeenshire, but in Central Scotland, the surveyors who are also involved in Estate Agency are few and far between, and far outnumbered by the EAs and Solicitor/EAs.
Honestly, take a look at the number of surveyors polled, and note how few of them there are compared with the number of EAs in your area. Then ask yourself if the small number sampled for the RICS report constitutes a large enough sample for the results to be taken as meaningful....... especially take a look at the number polled in Scotland - last time I looked it was in single figures.0 -
HAMISH_MCTAVISH wrote: »You make less and less sense every day.
Could you explain how I have ever put anyone down for taking parental help to buy something more than they could afford without it?
Hamish, it wouldn't make any sense even if I did explain it.
You are always the exeption to your own rules. To be completely honest, it doesn't surprise me that yet again, you seem to see yourself as somehow different to others that you condemn.
You said in a nutshell "this is the problem, the young want everything handed on a plate".
Then, to protect yourself from that line, you tell me you could only have afforded a flat, but WANTED a house, so took help from parents to get the house. That is of course, instead of waiting and saving. You wanted what you couldn't have, so took the quick easy route to get it.
Yet of course, this is "different".0 -
So you're bascially saying that houses are unaffordable for first time buyers?
When have I ever said houses were affordable for FTB's?
Flats yes, in most areas, but usually not houses.....
Did you somehow miss the hundreds of posts I've made along those lines????Blimey, it's like that moment when a full blown alcoholic turns to you and says "you know what, I think I might have a bit of a drink problem."
"Blimey", it would be, if at any time I had stated a nice big detached house was affordable for FTB's everywhere. But of course I never have.
Boy, I really miss that rolleyes smiley.......“The great enemy of the truth is very often not the lie – deliberate, contrived, and dishonest – but the myth, persistent, persuasive, and unrealistic.
Belief in myths allows the comfort of opinion without the discomfort of thought.”
-- President John F. Kennedy”0 -
My parents gave us £30k towards the deposit for our first place. That never sits particulary comfortably with me or my wife, but it is what it is. My parents are pretty well off and their rationale was quite simple: you will get this money when we die anyway. It's a lot more useful to you now than it will be then. So just take it. Although their logic made sense, I still feel a bit embarrassed by it now. But I guess I'd want to do just the same for my kids.
However, how they gave us the money was quite interesting. My parents knew we were saving for a deposit, which we did for a year or two (and were pretty disciplined about it). We saved a 10% deposit for the house we wanted to buy, we put in the offer, got the survey done, instructed the solicitor... and it was at this point that my Dad sat us down and said that they wanted to give us the money. I guess this was for a number of reasons: so that we properly saved, so that we had the feeling that we could have (just) done this without them and so that we didn't factor in the £30k and just buy a more expensive house that we didn't really need.0
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