Government should help those without bank of mum and dad

mayonnaise

antrobus wrote: »

I see.

So when you say Government should help those without bank of mum and dad you don't mean that the government should help those without bank of mum and dad.

That's good to know.

He never said that.
Even when it's there for all to see on the first line of the first post, he never typed it.
You're just putting words in his mouth again, tsk!

Graham_Devon

antrobus wrote: »

I see.

So when you say Government should help those without bank of mum and dad you don't mean that the government should help those without bank of mum and dad.

That's good to know.

...And that's pathetic.

I suppose if we are to follow this scheme Generali on his recent thread "Your !!!!!! is not canadian enough" is what he thinks, rather than what the thread is discussing and you will duly take him to task?

mayonnaise

Graham_Devon wrote: »

...And that's pathetic.

I suppose if we are to follow this scheme Generali on his recent thread "Your !!!!!! is not canadian enough" is what he thinks, rather than what the thread is discussing and you will duly take him to task?

Generali's thread contains a link to an article stating "You !!!!!! is not Canadian enough". We can therefore conclude this is not necessary what Generali thinks or whether or not Generali has any view on Canadian !!!!!! at all.

Your post however says "Government should help those without bank of mum and dad". If this is related to a current news report or if you are quoting someone, please do so and edit your post.
Until then we can only assume this is your opinion.

But you knew that.

BillJones

Seabee42 wrote: »

Of course the poor would be in their place with no way out. (Not that there is much chance of escaping today).

No, other than being born in an NHS hospital, supported through childhood with child benefit, educated for free to age 18, offered cheap loans to go to the world's best universities, and then given a generous safety net for the rest of their lives, "the poor" are simply given no help whatsoever to escape their lowly start in life.

Of course, back in the real world, it takes real concerted effort over decades to throw away the advantages that everyone born in the UK gets. To be born, raised, and educated here, and still fail, that takes a special kind of person.

Seabee42

BillJones wrote: »

No, other than being born in an NHS hospital, supported through childhood with child benefit, educated for free to age 18, offered cheap loans to go to the world's best universities, and then given a generous safety net for the rest of their lives, "the poor" are simply given no help whatsoever to escape their lowly start in life.

Of course, back in the real world, it takes real concerted effort over decades to throw away the advantages that everyone born in the UK gets. To be born, raised, and educated here, and still fail, that takes a special kind of person.

Of course the elite stay ahead because of better genetics right?

I do not advocate giving everything to people free but if you are serious about allowing other people to buy houses then maybe we should restrict buy to let, mass immigration and also build more homes. All three have an impact.

Thrugelmir

CLAPTON wrote: »

is that unreasonable?

I couldn't afford to buy in a decent part of London over 30 years ago.

So unsure why it should be any different now.

I used to walk to work. But to buy my first property moved from the Reigate\Redhill area to Biggin Hill. Then commute back in.

Now everybody expects to be given something on a plate. Not make do and adjust to the available options.

floridaman

The gov should do all it can to help the young

questionss

If you can't afford to raise a 5% deposit over a few years then you can't really afford the risk of a mortgage IMO. What if circumstances or interest rates change? What if the boiler needs replacing? Or the bathroom springs a leak? The sort of sums being used to save a deposit should continue to be able to be put away in case of difficult times once you own a house.

My husband lodged instead of renting a flat in order to save money for a deposit for his first flat. We live to a budget. We take leftovers for lunch. Neither of us had any deposit from our parents. Payrises mean more is paid off the mortgage not spent on day to day life (obviously we have small treats). His first home was a 2 bed flat (1.5bed) that I moved into. He made a small amount of money on this but most of the equity for the next deposit came from saving and overpaying the mortgage. Then we bought a small two bed terrace in a better area. We saved hard to extend the downstairs space without extending the mortgage and yes we made money. We are now on our way to being mortgage free with a 4bed detached house. Every spare penny finds it's way to our mortgage. We don't have other debt. We research holidays etc to find the best deal. We have weekends in luxury hotels but use a groupon deal etc etc.

BillJones

Seabee42 wrote: »

Of course the elite stay ahead because of better genetics right?

What a bizarre point of view. Let me guess, this "elite" scratch each others' backs, maybe have a secret handshake, or perhaps collude down at the synagogue to keep you down?

Back in the real world, there simply is not an unchanging elite, and a failure to get ahead tends to be down to each person's decisions.

The problem is, of course, that if someone is struggling it's often driven by decisions made years or decades earlier, and it's far easier to just invent a shadowy "elite" who are responsible for not giving people a chance. It doesn't make it true, of course, but it's much easier than taking responsibility.

chucky

Thrugelmir wrote: »

I couldn't afford to buy in a decent part of London over 30 years ago.

So unsure why it should be any different now.

I used to walk to work. But to buy my first property moved from the Reigate\Redhill area to Biggin Hill. Then commute back in.

Now everybody expects to be given something on a plate. Not make do and adjust to the available options.

Exactly right.

Too many of those that expect low house prices are those that have made bad life choices and bad financial decisions and then there are others that have worked hard to get on the property ladder.