FTBs, make your voice heard. Would YOU prefer lower prices/rates/laxer mortgage rules

carolt

Cheaper house prices

Cleaver wrote: »

But your 'poll' isn't a 'poll'. It's got three options, all of which have very emotive and loaded language and you can't vote for more than one option. Where, for example, is the option to vote for banks and lenders to have a more flexible and considered approach to lending for FTBers?

You're so similar to Hamish that it's almost funny. The two of you are just two sides of the same coin.

First part - see explanation above.

Second part - No - I am nothing like Hamish.

I post out of strongly-held principles. He posts out of utter lack of principle.

You're not half as funny as mewbie, either.

carolt

Cheaper house prices

Oh look - as the poll stands, not a single FTB has voted for anything other than lower house prices.

Apologies to spannerman, if youare indeed a genuine FTB - don't recognise the name, though, which makes me a little suspicious.

Anyway, currently 13-0 for lower house prices (discounted sapphire as well, as she's not a FTB).

Cleaver

A return to lax mortgage lending?

carolt wrote: »

Fair point, because largely I think one rules the other out. I think if we flood the market with credit, house prices will inevitable rise.

So I don't think those two views are compatible.

It would be lovely if they were, I agree - but I think the boom and bust of the last decade has taught us the hard way that they are not.

You don't need to 'flood the market with credit' in order to have more flexible, considered and different ways to increase lending to first time buyers: it's not an all or nothing scenario.

I said in an initial post that I don't think FTBer deals are that bad at the moment, but it's clear that credit restrictions and high deposit deals are effecting some FTBers.

I'm not sure why I'm getting involved in this, the poll is obviously stupid. You're correct, I'll back out and leave the FTBers on here to vote for the first option so some strange point can be made to Hamish.

Cleaver

A return to lax mortgage lending?

carolt wrote: »

First part - see explanation above.

Second part - No - I am nothing like Hamish.

I post out of strongly-held principles. He posts out of utter lack of principle.

You really are very similar in so many ways.

carolt wrote: »

You're not half as funny as mewbie, either.

You're right, I'm not.

carolt

Cheaper house prices

Cleaver wrote: »

You don't need to 'flood the market with credit' in order to have more flexible, considered and different ways to increase lending to first time buyers: it's not an all or nothing scenario.

I said in an initial post that I don't think FTBer deals are that bad at the moment, but it's clear that credit restrictions and high deposit deals are effecting some FTBers.

I'm not sure why I'm getting involved in this, the poll is obviously stupid. You're correct, I'll back out and leave the FTBers on here to vote for the first option so some strange point can be made to Hamish.

First point - as explained above - more credit = higher house prices.

Second point - Point to Hamish???

Who cares what Hamish thinks. He's not a real human being, he's someone whose full-time day job is posting pro-house-price rise articles/comments on several websites.

Cleaver

A return to lax mortgage lending?

carolt wrote: »

Anyway, currently 13-0 for lower house prices (discounted sapphire as well, as she's not a FTB).

Of course it is! One of you options was 'do you want a return to lax lending?'. No one in their right mind wants to return to 'lax lending' as it implies a situation where lending is not regulated, sensible or considered. As I've pointed out a few times, no one will vote for this as it's full of emotive and loaded language and presents a situation that no one wants.

Generali

A return to lax mortgage lending?

Graham_Devon wrote: »

Has Chucky hacked your account?

It's a simple poll. Why you are being so stupid about it I have no idea.

Are you seriously calling me stupid?! It's like Micky Quinn telling me to lose weight!

I enjoy winding up carolt a little when she gets one of her occasional sense of humour failures. She doesn't take it seriously in the end or at least I hope that's the case as I don't wish her anything other than well, the same as all other posters on here.

Cleaver

A return to lax mortgage lending?

carolt wrote: »

Who cares what Hamish thinks.

You do. You care what Hamish thinks. He also cares what you think. That's why you both spend time responding to each other's postings on a discussion forum, often in vey similar ways.

HOUSE_PRICE_CRASH_GHOULS

A return to lax mortgage lending?

carolt wrote: »

First part - see explanation above.

Second part - No - I am nothing like Hamish.

I post out of strongly-held principles. He posts out of utter lack of principle.

You're not half as funny as mewbie, either.

Carolts principle is the initiate a sever housing correction causing masses of unemployment to hundreds of thousands of good honest hardworking families so that they are thrown to the wolves on the streets just so that she can pick up a house on the cheap. Some principle.

carolt

Cheaper house prices

I thought you were off?

Anyway, what wording would you prefer?

My point remains - any increase in lending = higher house prices.

Any FTB who votes for wider lending knows they are also voting for higher house prices.