when people say they can't afford (and never will be able to afford) a house

Butnwhatnis the point? Your child can't spend any of it or they will be stealing from your grand child's future. They can't spend any because they're stealing from your great grand child's future etc

 

I'm sure that with another 5 years of labour free government thwn I will be able to loosen the purse strings a little

 

There's lots of reasons why people say they can't and never will be able to buy and to think there's easy solutions to this with versions of others thinking what living on low wages is really like.people are genuinely Ill and have been deemed fit to work and forced to take low wages but still need medication it may be they are legible for free prescriptions so are you contemplating these people save up for a mortgage ? There's a hundred and one different reasons and more ,

 

Then the ? Is mute surely .

People are saying the things you are questioning on the rules layed out by govt.

 

If I were one of your kids as soon as I got the money I would piss and **** it as far up the wall as I could fekin gerrit

 

There are houses available for 50k? I can't find one I like with a £200k budget in Leeds!

 

I can assure you I know people who cannot afford to buy a house that would be the minimum the require to suit their needs.

 

Its not a matter of rules is it? The government aren't dictating who can and can't get a mortgage. I said full time minimum wage of 13500. On those wages in this area there are plenty of homes available and that is a fact. Every single person can't afford one but the majority of those working 40 hoursma week who say they can't can if they prioritise.

 

Ah but aren't we back to desire again? You can't find one you like, not you can't find one. I'm not trying to say that people should take houses they don't want or that waiting for the home they desi is wrong I'm just saying that if people really want an house then the majority can by compromising on their ideals.

 

Then you would have evrybody chasing the same houses in the same areas thus forcing the prices up.

 

I know, I wasn't referring to that. I was just amazed that 50k houses exist!

 

So are you just talking about people who live in Barnsley who work full time then? Not everyone who works full time.

 

No you didn't , you implied anyone complaining about not being able to buy a house on minimum wage is because of the desired property rather than them not being able to afford it. Take a look at your opening post if you don't believe me.
And yes of course its about rules if the govt deem you are in full time work with. 30 hours or more it doesn't matter what you or anybody else thinks as every dept is geared to that situation.

 

When you've got a zero hour contract?

 

Cheapest 2 bed terrace in Leeds is about £70k (?)

 

What is it with the culture we have in this country where non-homeowners seem to be looked down on? Or as if everyone should automatically aspire to own a home?

In a lot of countries, even in the EU, it's not even something everyday people think of, and I don't mean people on the breadline.

I rent - a mortgage wouldn't cost me any more per month, although I also like the security of having a little bit of cash in the bank, I don't fancy giving this up as a deposit and since leaving an apartment where the rent was pretty ridiculous for someone living on their own, I don't feel particularly robbed by the rent I pay. If owt goes wrong at the house, it's the landlord's responsibility.

What has cocked the whole situation up is this Buy to Let b*llocks - if the sole purpose of the mortgage is to buy a property which will be let out for profit then it shouldn't be allowed, the trouble is they'll not stop it now as a fall in house prices will put millions of people into negative equity.

One of my mates bought a house in about 2008 I think it was, he was telling me not long back that he owns no more of it now than when he first walked through the door...obviously his timing was poor but who knew the bubble was going to burst when it did.

 

Tyrone doesn't count the money he spends on the mortgage, gas, electric, water, council tax, road tax, insurance etc etc as spending money. He only counts what he gets out of his pocket and hands over to someone.

 

I was mainly referring to Barnsley yes. I know its much harder in other areas but in south Yorkshire houses are available but people are either not seeing them because they believe the media who say they're too expensive so don't bother looking or they are ignoring them as they won't compromise.

As an example a friend told me recently that he's looking for a home for him and his partner with room for the stepkid. He said he's seen a few at 200k butndoesnt known how he can afford it. I looked online and showed him 10 houses on the first page that met his requirements (and more) and were all under 80k. He ruled them all out for stupid reasons like the garden being too big, the windows not being double glazed, not liking the colour of the walls etc. Garden too big? Stick some shrubs down at the bottom of the garden then and ignore it. Single glazed? Put double glazing in for about 2k. Wrong colour? Paint it. Ah but the 200k one has a second living room that can be turned into a bar area. Desire over need for a lot of people I'm afraid.

 

Dontmget me wrong, I wasn't having an go at those who rent. I see a lot of benefits to it (though it isn't for me personally). My point was solely about those who claim they can't afford to buy any home

 

They are based on the number of hours you do, even with a zero hours contract (which should be forbidden immediately) the employee will accrue holidays as they work - even someone averaging just 15 hours a week would be entitled to 12 days off with full pay.