THE concept of the “property ladder” was always a bit misleading.
Better solutions than borrowing more money are needed to solve the housing crisis, writes Shona CravenThe image it conjures is of a sturdy platform for slow but steady upward progress, safely accomplished with the help of a bank or building society that’s keeping the base firmly anchored to the ground.
The cause of the current UK property crisis is – as everyone knows – insufficient supply. Insufficient supply of property, that is, not insufficient supply of mortgages to people who cannot save a 10% deposit. It’s due to end in December but The Sunday Times reports that Chancellor Jeremy Hunt is planning to extend it for a further year and is exploring further options to “help first-time buyers” – i.e., to help them borrow huge sums of money.
There will be fast-track approval for high-density housing on urban brownfield sites, and the next generation of “new towns” with “reliableIt sounds great for people who want genuine “help to buy” in the form of massively increased housing supply and therefore lower prices for everyone.
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