Housing

The perils of shared ownership

Fancy buying half a flat, paying 100 per cent of the maintenance and the cost of putting right a developer’s shoddy work? Therein lies the great scandal at the heart of shared ownership, the government scheme which BBC Panorama exposed last week but which I others were writing about over a decade ago. Shared ownership has allowed developers to put fancy price tags on properties which they might otherwise struggle to sell The concept sits at the heart of government efforts to increase the rate of home-ownership. Look around at the prices of London flats, compare them with average London salaries and you wonder how anyone can get on the

What virtual property viewings don’t show you

I’ve never worked out why anyone would want to buy an outfit over the internet without first seeing it in the flesh and trying it on. I know my wife does it all the time — although the constant piles of parcels by the door, full of stuff waiting to be sent back whence it came, pays testament to drawbacks of buying things sight unseen. Then again, a suit or a dress is only a suit or a dress. I would rather buy clothes online than I would a five-storey townhouse. But maybe I’m a bit of an old stick-in-the-mud. There are some buyers, it seems, who are only too

A beautiful radio adaptation: Radio 4’s The Housing Lark reviewed

Nineteen fifty-six: the Suez crisis, the first Tesco, Jim Laker takes 19 wickets in a match. But also: Trinidadian pianist Winifred Atwell becomes the first black woman to have a UK number one with ‘The Poor People of Paris’; Kenneth Tynan announces a playwriting competition in the Observer, which is won by the Trinidadian dramatist Errol John, and a third Trinidadian, Sam Selvon, publishes his most enduring novel, The Lonely Londoners. He was photographed the same year by Ida Kerr, looking up out of shot past a crooked nose, a frown half creasing his forehead as a smile plays around the corners of his mouth. Selvon’s novels are fatalistic comedies,

Can Boris build support for his planning reforms?

The government always knew it would have to expend political capital to get its planning reforms through. Making it easier to build houses was never going to be popular with Tories in leafy areas. The benefit of an 80-seat majority was meant to be the ability to push through difficult but important changes. The problem is, as I say in the magazine this week, that the government has been expending political capital on rather a lot of other things recently. Tory MPs are in a fractious mood, irritated by the number of U-turns, and opposition to planning reform is beginning to build up. One normally mild-mannered former cabinet minister tells

Is the government about to bankrupt thousands of homeowners?

Within the next year or two, I could go bankrupt. My mistake: to join a government-backed affordable housing scheme and purchase a one-bedroom flat in east London. For the past four years, it has been my pride and joy — not to mention my savings, my pension and my financial future. I was grateful for the government’s help in getting a foothold in the city. But now another government policy is hurtling towards me, against which I have no defence. Nor do potentially tens of thousands of first-time buyers and the owners of affordable housing in my position. It might be the next big scandal to hit the government. It’s

James Forsyth

Boris the builder mustn’t buckle over planning reform

The government will pass the test it has set itself: schools in England will return next week. Pupils may well have to wear masks at times, but they will be back in the classroom. Yet ministers privately acknowledge this isn’t the real challenge. The bigger question is what effect the return of schools has on the prevalence of the virus and what happens to education in the case of further local outbreaks. The exams grading debacle and the various other summer U-turns have been damaging. As one minister concedes: ‘There’s only a limited amount of time before the “incompetence” label sticks. It hasn’t yet — but we can’t afford many

Why the Tories can’t back down over planning reforms

A rigid and complicated planning system has long been one of the issues holding back the UK economy. The planning reforms announced by Robert Jenrick this week are designed to bring more predictability and speed to the system. Jenrick’s document is very much a case of politics being the art of the possible. The green belt is left alone in its entirety, despite the fact that a more rational planning system would require examining whether all of the green belt is needed, and if it is all in the right place. For example, building houses around train stations in the green belt would seem a sensible move – but these

Is Boris brave enough to stand up to the Nimbys?

In the next few weeks, the government will publish planning reforms designed to simplify the system and free up land for development, I report in the magazine this week. It is by far the government’s most significant supply-side reform. One of those involved says ‘this is what the Thatcher government should have done but didn’t’. The plans would see the UK move to a zonal development system. In certain land classes, building would be actively encouraged, with a presumption in favour of development. The Housing Secretary Robert Jenrick has pushed aesthetic standards, influenced by the work of the late Roger Scruton, which he believes will ensure new homes are more

When will the property market start moving again?

For those looking to buy or sell houses, lockdown has put many of the best laid plans on hold. Since lockdown was imposed on the 23rd March, the property market has entered into a period of suspended animation. We don’t know when lockdown will end, nor what the financial and economic collateral damage will be for the UK economy and we certainly don’t know what the ‘new normal’ will be or how long it will have to go on for. So, what do we know? Financial markets, although initially taking fright, have recovered somewhat. Falls of between 10 and 15 per cent across indexes around the world with markets seeming

In defence of Priti Patel

We will rue the day we all decided bullying was a bad thing. The consequence is that the inept, the imbecilic and the perpetually frit will hang on to their jobs and we will become a much less efficient country. By bullying I do not mean physically beating someone up and stealing their lunch money, which is what it used to mean when it had a proper meaning. I mean telling someone they’re useless and deserve to be sacked, which is what bullying means today. As R.D. Laing might have put it, that kind of bullying is a rational response to irrationality. The Home Secretary, Priti Patel, who is 5ft

Why stamp duty could and should be cut

Given that the government is running a £40 billion deficit, is determined to increase spending on infrastructure and will not be facing an election for another five years, no-one should get their hopes up too much for tax cuts in the Budget. Indeed, most of the talk has been of possible rises. But if any tax is going to be cut it is likely to be Stamp Duty on property purchases, at least those made by owner-occupiers at the lower end of the market. No tax has been jacked up quite so much over the past two decades. When Gordon Brown started as Chancellor buyers paid a flat one per

Something is badly wrong with the housing market – so why aren’t we talking about it?

In 1991, 67 per cent of 25- to 34-year-olds owned their own home. In 2016, that figure had fallen to 38 per cent. The average house price in the UK is eight times the average wage, this ratio having doubled since 1998. Half of first-time buyers in Britain are now dependent on the Bank of Mum and Dad, rising to two-thirds in London and the south-east. Over the past 20 years, the proportion of people living in the private rented sector has doubled. There are one million more 18- to 34-year-olds living with their parents than there were in 2002. Between the mid-1950s and the mid-1990s (expressed in 2016 prices)

How much are political parties allowed to spend in the general election?

Election counts Michael Bloomberg — the ninth richest person in America — entered the US presidential race by buying $34 million (£26 million) worth of advertising just to launch his campaign. How does that compare with what British political parties are allowed to spend in the general election? — In Britain, each party is allowed to spend, centrally, £30,000 for each constituency fought. With 650 constituencies, this amounts to a maximum of £19.5 million. — In addition, individual candidates can spend £8,700 plus 6p per voter (in urban boroughs) or 9p per voter (in county constituencies). — Put the two together and it means there is an effective maximum level

Toxic regulations, not the fire brigade, are to blame for the Grenfell deaths

It has been bizarre to hear the London Fire Brigade taking the brunt of the blame for the deaths of 72 people at Grenfell Tower. Its commissioner Dany Cotton certainly deserves condemnation for persisting in telling residents to stay put when it ought to have been clear early on that fire was engulfing the building and it needed to be evacuated. Her suggestion that she ‘wouldn’t change anything we did on the night’ — in spite of the role her advice played in boosting the death toll — compounds her errors. Yet by the time the fire service arrived, tragedy was already assured. To pin the blame on Ms Cotton,

Great and small

‘I’m not going to your place, it looks like a crack den.’ It’s not exactly a vote of confidence when your mother describes your home that way. Admittedly, the bedsit I have lived in for ten years is tiny. There is no central heating. The white blinds have faded to yellow. It’s not much good for house parties: I could fit four people, five if I sat between the sink and the microwave. However, I would like to defend living in bedsits. Whenever I hear people complaining about housing in London, I wonder whether they have considered a bedsit. I’m autistic and work as a part-time carer, but even on

How the next PM can help solve the housing crisis

The Government’s commission on how to make new houses more beautiful – yes, that one – is set to publish its first report in the next few weeks. It no longer has a permanent Chair and it will be reporting to a different administration and a new prime minister, but its advice will be crucially important. In order to get new homes built in areas where opposition is most vociferous – which tend to be the places new homes are needed most – the house-building industry needs to change. Monocultural housing estates, once labelled the “turkey twizzlers of architecture” by the philosopher Alain de Botton, are simply not what the public wants.

The flawed logic behind Brokenshire’s landlord bashing

In what Communities Secretary James Brokenshire described as ‘the biggest change to the private rental sector in a generation’, the government has announced a ban on so-called ‘no-fault evictions’ of tenants by their landlords. ‘By abolishing unfair evictions, every single person living in the private rental sector will be empowered’, Brokenshire claimed. The Prime Minister said that ‘Millions of responsible tenants could still be uprooted by their landlord with little notice, and often little justification […] This important step will not only protect tenants from unethical behaviour, but also give them the long-term certainty and the peace of mind they deserve.’ According to the BBC, this means that ‘Private landlords will no

Would you be tempted by a 40-yr home loan? I know I would

I remember it so well: the existential angst, the self-doubt, the bitter railing against intergenerational inequality, all of which preoccupied me for much my twenties. The cause? Anxiety about getting on the housing ladder. When you’re in that desperate state, it’s all consuming. Owning your own home is the holy grail of adulthood. You imagine that if you achieve it, everything else will be alright, you will get on with the rest of your life, focus more on your career, somehow be more of a person. Flowers will grow in your garden, you’ll do things like chat to the neighbours and you will no longer be beholden to landlords, with

Home truths | 21 February 2019

The creation of a commission to examine beauty in new building created a stir in the media, with the chairman subjected to a hate storm of unusual turbulence even by the standards that he regularly has to endure. Hate storms arise when powerful interests are threatened, and this was no exception. There is hardly a person in this country who is not aware of what Milan Kundera has called the ongoing ‘uglification of our world’ and who does not hope that something might be done about it. No one I talk to denies the need for a large number of new houses. But they all hope that this need can

Sadiq Khan is wrong about rent control

Rent control would worsen London’s housing crisis while hurting the poor, immigrants, and minorities. Yet Sadiq Khan wants to make it the central plank of his bid to win re-election as London Mayor. Khan has said the case for rent control is ‘overwhelming’ and that ‘Londoners overwhelmingly want it to happen’. But while some may see rent control as a way of capping the money going into the pockets of landlords, it would actually make London’s problems worse. Rent control would lead to less home building—what London actually needs. On top of that it will mean lower quality housing and discrimination against the most vulnerable. From San Francisco to Stockholm, Berlin and New York, rent