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

silvercar

The whole thread has now ended up in an argument. It didn't have to be that way.

Par for the course here.

HOUSE_PRICE_CRASH_GHOULS

A return to lax mortgage lending?

Procrastinator333 wrote: »

Not the same thing though is it. There isn't really an alternative to milk. I guess you could eat toast instead. But no direct substitute.

Unlike a house purchase where you can rent instead.

Err yes there are many alternatives to milk and in fact many varieties of milk at different prices. One can also survive without milk too.

Procrastinator333

HOUSE_PRICE_CRASH_GHOULS wrote: »

Err yes there are many alternatives to milk and in fact many varieties of milk at different prices. One can also survive without milk too.

Don't talk to me about Soya milk!!!

Yes you can go without, but it is also the relative value that sets them apart, they are just not comparable in your example.

I could also say that many people in the run up to Xmas put off purchases because they know it will be cheaper in the sale. That too is as much a pointless comparison as your milk one.

JonnyBravo

Well carolt has requested non-FTBers not to vote, so I won't.
I am amused that it is somehow important to keep the vote "untainted". I'm amused that she can't see the choices as biased. I'm amused by the need to exclude all others who vote for other options, even those she acknowledges might be real people. I'm amused by her full stop.
As for Graham's sideshow. Bravo! Excellent stuff!

If I was a FTB, I'd want lower prices, easier access to credit for people with good credit records/modest deposits and lower rates to help me at the start. Why can I only have one? If I can only have one am I guaranteed to get the one I would have chosen?

chucky

Cheaper house prices

JonnyBravo wrote: »

Well carolt has requested non-FTBers not to vote, so I won't.
I am amused that it is somehow important to keep the vote "untainted". I'm amused that she can't see the choices as biased. I'm amused by the need to exclude all others who vote for other options, even those she acknowledges might be real people. I'm amused by her full stop.

that would mean that Carol won't contribute (by her own rules) to any thread relating to home owners, repossessions or existing house prices etc, etc...

ukcarper

Surely the thing preventing FTB who actually want to buy from buying and therefore suppressing demand is the deposit not the interest rate.

DervProf

HAMISH_MCTAVISH wrote: »

So your "solution" is to restrict lending so fewer people can buy houses.

Genius.

Your "solution" seems to be to request ever higher levels of lending for more people to buy a shortage of houses.

Not genius.

carolt

Cheaper house prices

ukcarper wrote: »

Surely the thing preventing FTB who actually want to buy from buying and therefore suppressing demand is the deposit not the interest rate.

I'd class the deposit under the 'laxer lending' part, eg higher LTV available - so both options covered under the poll.

Really2

Why not hold a poll for anyone wanting to buy anything and ask them if they would prefer to buy it at a cheaper price?

It is liking anyone who wants to sell anything if they would like to sell it for more than they brought it for.

I am sure everyone on here would like to buy a house for £10 on a 25 years 0% mortgage.

When I was a FTB 9 years ago I paid what the seller accepted (market value) indeed was the same with my current house
What you want to pay is fairly irrelevant in an open market, unless what you want to pay is near market value.

carolt

Cheaper house prices

Oooh, 29 for lower house prices - no chucky, you're definitey NOT a FTB either!!! - versus 1 possible against - the mystery roy some numbers - who I will give the benefit of the doubt to and assume is a genuine person.

Result? That conrad and Hamish can now stop posting silly threads claiming all FTBs want is lower interest rates and looser lending criteria, when what we all want is CHEAPER HOUSE PRICES.

Could Tory Central Office also please take note.

nickmason - if you ever pop in, just pass the message on, that would be ever so helpful. Win the FTB vote over.