Halifax: + 6.7% QoQ + 5.7% YoY.....

homelessskilledworker

HAMISH_MCTAVISH wrote: »

Fretting? Heavens no....

Although I can see why you'd be so rattled with these kinds of price rises you'd be desperate enough to try and attack the man, not the ball.



I quite enjoy a wee dram late at night with Mrs McT on a weekend, and seeing such good news on the internet, I just had to share it.... :rotfl:

Are you damaged Hamish??

I am looking at the very data YOU put up, and it is quite clearly showing MOST places are falling.
Or is you long suspected narcissistic personality finally coming out where you think you and Scotland are the centre of the cosmos.

HAMISH_MCTAVISH

homelessskilledworker wrote: »

Are you damaged Hamish??

Or is you long suspected narcissistic personality finally coming out where you think you and Scotland are the centre of the cosmos.

And there you go again, attacking the man not the ball.

You really must be rattled with these price rises. If it can happen in Scotland, it can happen anywhere in the UK.

And remember, be nice to other moneysavers.:money:

homelessskilledworker

HAMISH_MCTAVISH wrote: »

And there you go again, attacking the man not the ball.

You really must be rattled with these price rises. If it can happen in Scotland, it can happen anywhere in the UK.

And remember, be nice to other moneysavers.:money:

12 Areas..

3 are up
1 is flat
8 are down

Ok Hamish, you must have some different concept to the word down, or you have been on the malt again.

Jennifer_Jane

Generali wrote: »

The heat is worse than the cold IMO, even the wet/humid cold that England has. You can always put on an extra jumper in the cold but there are only so many clothes you can take off!

I'm fine with the weather up to 38C: I've cycled 200km on a 38C day and while I drank a lot of water (about 8 litres plus a few energy drinks) I was fine. My body really doesn't like it when it gets north of 40C, that's just unpleasant and I dehydrate very fast, even just loafing around. In Sydney you get a day hotter than 40C in one in 3 summers, probably about as often as it snows properly in London.

The thing I hated about English winters was the short days. I was in a permanently bad mood from October to March. I love those long summer evenings but it simply isn't enough to make up for the short winter days. I often wonder if I used to suffer from SAD.

The snow annoys me though: it's slippery and dirty. It looks nice for a couple of hours and then just becomes a pain in the Aris. We get snow in Aus (not just in the Snowy Mountains) but never in Sydney. They had snow in Tassie just after the fires there this year. Snow in January!

Good work on the weight loss BTW (I think I said that before). Cycling is great for weight loss.

After 2 years in Sri Lanka when it was Ceylon (!) >60 years ago, and almost 3 decades in Africa, I agree with you. I'm loving the cuddliness of winter with thick fleeces and padded winter coats, and the excuse to be warm, although currently sitting on my sofa wrapped in a duvet with no heating on. It seems I can no longer take a "hot" climate anyway, getting heat exhaustion on each Mediterranean holiday I've lately taken in May. Love the sun and the light, but just cannot take it. Also there's always something in Africa that wants to eat you or drink your blood.

I belong in the North!

Generali

Jennifer_Jane wrote: »

After 2 years in Sri Lanka when it was Ceylon (!) >60 years ago, and almost 3 decades in Africa, I agree with you. I'm loving the cuddliness of winter with thick fleeces and padded winter coats, and the excuse to be warm, although currently sitting on my sofa wrapped in a duvet with no heating on. It seems I can no longer take a "hot" climate anyway, getting heat exhaustion on each Mediterranean holiday I've lately taken in May. Love the sun and the light, but just cannot take it. Also there's always something in Africa that wants to eat you or drink your blood.

I belong in the North!

It's just those horrid short nights that do my head in but they are a deal breaker for me.

I live in an air conditioned house, drive an air conditioned car and work in an air conditioned office. I shop in air conditioned shops and I drink in an air conditioned pub. I go out of air conditioning for more than a couple of minutes only by choice, almost never because I am compelled to.

LydiaJ

So has anybody got any suggestions as to why it's Scotland and the South West that are the two areas that are rising significantly? Or why the North of England is falling worse than most places? And what on earth has been going on in NI to give it an annual drop of 4.3% but a quarterly drop of 18%? Or is that just a small dataset? How many houses sell in NI in a quarter? I'm ashamed to say I haven't the faintest idea.

HAMISH_MCTAVISH

I'd love to say I did, but I've actually got no idea.

It could be a statistical blip. Or it could be the start of a bigger trend.

Time will tell.

Graham_Devon

LydiaJ wrote: »

So has anybody got any suggestions as to why it's Scotland and the South West that are the two areas that are rising significantly? Or why the North of England is falling worse than most places? And what on earth has been going on in NI to give it an annual drop of 4.3% but a quarterly drop of 18%? Or is that just a small dataset? How many houses sell in NI in a quarter? I'm ashamed to say I haven't the faintest idea.

It's most likely the figures which make up the data.

We can't see the figures, so if the Halifax is only lending to wealthier people to avoid risk, you'd likely see higher priced houses in the figures.

Goes hand in hand with with Halifax affordability index showing an easing in affordabilty. If they only lend to the best picks, these are going to be people who again, are wealthier, so therefore, affordability eases, as it's no longer capturing people who are higher risk, and by nature, would show worse affordability in the figures.

Land Registry suggests that the South West, this year (Nov 11 - Nov 12) has fallen -0.4%.

Halifax suggests +4.7%.

Nationwide suugest +0.2%, so Halifax sticks out a fair bit.

Hence why I stated I wonder what the figures are. If it's a simple case of higher priced houses being sold to wealthier people, then the figures will show exactly what they have, rising house prices and easing affordability.

Pobby

Here we go again. McT, getting all excited that HPI could be around the corner. Take up knitting or something rather than what might be seen as an unhealthy hobby.

homelessskilledworker

Graham_Devon wrote: »

It's most likely the figures which make up the data.

We can't see the figures, so if the Halifax is only lending to wealthier people to avoid risk, you'd likely see higher priced houses in the figures.

Goes hand in hand with with Halifax affordability index showing an easing in affordabilty. If they only lend to the best picks, these are going to be people who again, are wealthier, so therefore, affordability eases, as it's no longer capturing people who are higher risk, and by nature, would show worse affordability in the figures.

Land Registry suggests that the South West, this year (Nov 11 - Nov 12) has fallen -0.4%.

Halifax suggests +4.7%.

Nationwide suugest +0.2%, so Halifax sticks out a fair bit.

Hence why I stated I wonder what the figures are. If it's a simple case of higher priced houses being sold to wealthier people, then the figures will show exactly what they have, rising house prices and easing affordability.

I have a big close Irish family with a herd of cousins where I am not sure how many I have, they have always worked and we all give or take a few years seemed to buy our first homes around our early 20's.
That also goes for most of my friends as well, and it seemed to go for most of the people I knew, most seemed to have got on the first rung well before 30.

Fast forward to today and out of all the 20 somethings I know it is a rare event to see them buying their own place, I am not making a "is it good or bad" judgement, just making an observation.