/biz/ - Business & Finance

>>26066569
You have to wait for your parents to die now. What about if you have five fucking siblings like me? FUCKED mate.

>>26066569

Depends where you are I suppose, but I'm in my 20's and have bought a £165k semi-detached last year, its worth like £180 now apparently

Because it's the government's ponzi scheme - makes the economy look good

Stamp duty removal fucked over first time buyers and just pushed prices up even during a global pandemic

>>26066569
Zoom out from london

>>26066569
>be a normie faggot
>vote labour
>blair brings in 10,000,000 shitskins
>all the houses get occupied, more so as they produce spawn
>houses too expensive wtf!

>>26066569
we are going to go through mass inflation soon, houses will go up but not as much as everything else, over the long term house prices have to fall in line with income growth

>>26066569

Save up longer, house share, borrow from family. Don't buy a shoebox, just rent and use your saved capital for investments that will rise faster than housing market.

UK market isnt intended for people to be able to afford with out intergenerational support, unless your are a top earner.

>>26066569
Don't live in London or paki cities faggot. House prices are fine where i live.

>>26066569
Move away from that shithole country. Why do you think so many Anglos moved to the US, Canada, Australia and other colonies?

>>26066723
>house prices are fine where i live
Where?

>>26066728
>Using Canada and Aus as examples of places where the housing market isnt also completely fucked

>>26066609

£340k is the average for a 2 bed semi here, I just don't see the value in it, I plan on continuing to rent and buy my first property in Portugal outright.

Don't live in London then. It's like when people complain about living in New York
>Gee I can't afford to live in the city with my 30k a year apartment along with my shitty self run business
Move to somewhere like Durham. Or if you're American, move from New York to Texas. If not, stop complaining like a bitch

>>26066656
Blair should be hung for war crimes and what he did to this country

>>26066890
Yorkshire

Read this as Southern/Urbanite seethe thread.

>>26066569
UK property prices are basically based on two people buying a flat together with help from both sets of parents, as their first rung on the property ladder.

>>26066569
Fuck you on about? I literally just bought a second house to rent

>>26066569
You can get a 3 bedroom house with a huge garden for like £180k.

>UK house prices are too hig-
https://www.primelocation.com/for-sale/details/57028678

>>26066728
Canada and Australia are more pozzed than the UK though. And the USA is a second world shithole.

>>26066569
buy next door to him

>>26066569
I say we just take our savings and leave, all go buy land in the east of Russia or somewhere and leave the boomers to service their own pensions

>>26066569
do yourself a solid and get out of major cities, use population density map to find nice place.
I escaped London a year before covid scam and I'm so glad I did, sold a shitty ex council flat and bought a nice yard in a nice small town away from all the things that are shit about London now.
The people who bought my flat are trying to sell it for a hundred grand more than they paid me, good luck with that fools!

>>26067035
I agree about the warcrimes, but mass immigration would have happened under the tories as well. It's the hidden hand that makes these decisions, much like it's the hidden hand dictating the current scam. Immigration to Europe was by design. They want us all fractured. Makes us easier to manage.

How much butt could a buttcuck fuck if a buttcuck could fuck butt

Why would you live in the rural areas? Its dumb because you can't really be close to the economy if you have to show up.

>>26066656
>4 million eastern europeans in the uk

>>26067327
>>Shit about London

The non whites.

Eventually, you'll run out of places to run.

Move to Gibraltar and work in the UK
>No CGT if you're a Resident
>Cheap housing
>All you gotta do is spend a month or two living there to apply as resident
>Rent while you're in the UK

>>26067687
are you accusing me of doing a racism? I never said anything about non whites, are you perhaps a little over sensitive for some reason?

>>26067263
>Wednesday
holy fucking based, blades get fucked
fuck rotherham too

Obligatory pic related.
For real though the choice for first time buyers is a deanobox new build 2 bed where developers cram as many shoddily built houses together in a plot of land as they can for maximum profits and charge you at least £200k, or buy an older house for cheaper that you have to spend extra money on so you aren't stepping into the 1970's when you walk into your kitchen or bathroom.

>>26066656
okay buddy. let's not forget what Thatcher did in the 80s. remember the housing act from 1980? it let tenants buy council houses.

who lives in council houses according to you?
remember because of the iron lady these people own those council houses which have skyrocketed in value. value gone up cos Chinese students buying property in London.

so don't spread bullshit

Let me explain
>council/neighbours must give their approval to make changes to existing property despite the fact that it doesn’t concern them
>developers sitting on land and not developing
>mass immigration
>printing fiat like it’s going out of style
>high taxes preventing upward mobility and actually punishing people for striving to do better
>welfare state
>refugees getting priority and free reign to just disappear from their camps and join the workforce
>asylum fraud
>Islamist subhumans defrauding government by all being called Mohammad and claiming benefits for their army of poo children
>all parties pretending to oppose each other for theatre
>landlordism being legal when you don’t own the property outright
>foreign investment in the property and land market
>completely exported all blue collar jobs, replacing everything with either banker type shit or low wage no skill shit, massive gaps
>forcing people into University to pretend youth unemployment is not dreadfully high
>saddling youths with a lifetime of debt
>won’t develop on the green belt
Here’s the solution
>provide gibs to immigrants so they will leave country, immediately revoke their citizenship
>deport ALL foreign nationals that are working low tier jobs
>prepare trained foreign workers to lose their jobs by encouraging companies to train their UK citizen counterparts for reduced taxes
>stop printing Fiat
>ban landlordism until you own a house outright unless you are letting rooms in a home that you ALSO live in
>owning more than 1 home incurs massive penalties that outpace the value increasing
>retake all foreign owned assets and distribute to citizens
>ban all foreign investment in property and land

Anyone who is not wealthy should just move up norf or to Scotland. The cost of property is way way less and you can’t even really enjoy the fun and fancy shit in London without being wealthy anyway. If you’re commuting to London from the south east it would be Better to just Take a lower paying job up north

>>26066569
because our land area is tiny and our island is already at maximum development.... land is expensive here even just plain grass land will cost you more than a house in any country. we are full, there is no room. we are overdeveloped and over capacity... if you want land you cannot find it here, you need to go to america... hell this is the reason we had a colonial era in the first place and obviously its only gone worse since way back then lol theres no space or land here.

>>26068181
based

>taxes to a flat tax of 5%
>5% corporate tax if their workforce is 100% British for 20yrs
>5% tax rate for all manufacturing companies to place their HQ and full production facilities within the UK for 20 years if their workforce is 100% UK citizens
>immigration only qualified professionals or foreigners that will bring big business with all British citizens as their workforce
>encourage all multi national corporations to hire from Britain 100% for their foreign operations for further tax reductions
>grammar schools
>fully greenify all urban areas with trees, etc effectively turning everywhere into a manicured forest
>encourage WFH schemes for companies to further reduce taxation and allow people to raise families
>decentralise from London to revitalise communities nationwide
>build HSR to make nationwide commutes viable
>uncuck the unis so as to push the arts, stem, humanities, etc
>have a school system based on pathways and IQ, start from primary school
>pay British families to have children and reduce their tax rate to effectively 0 if they’re white, or at least fully integrated
>ban all recent citizens from buying property for 10 years
>UBI for citizens. Covers essentials only
>government mandated global Index fund where £100/mo for all citizens is deposited from the moment a birth is registered - can’t be accessed until retirement
>remove ALL people belonging to any religion or ideology that doesn’t go along with British values
>Orthodox, CoE, Catholic, Ayurvedic religions all require study in school
>fully gender segregated education
>all pubs/clubs must close at midnight
>no free NHS if you are a smoker, degenerate fatso, or drunk
>legalise cannabis for export and sale
>bring back death penalty via hanging
>more bobbies
>decentralised government system
>encourage small communities where people raise families and grow their own food - obtaining goods and services through bartering
Fixed. Jews won’t allow it.

How about a cheeky 1 bed cuckshed above some garages on your local deanobox estate?

https://www.rightmove.co.uk/properties/101352668#/

>>26066569
you'll own nothing and be happy

>>26068422
cor how about this lovely london flat for rent?

>>26068516
>go to prison in sweden
>live in same thing for free

>>26066569
Come to the US. The property market is still fucked in many places, but we'd be happy to have some immigrants that are white for a change.

>>26067278
that's my plan. Portugal or thailand?

>>26068593
>then get raped to death by a pack of feral Somalian niggers

>>26066609
>Living in Wales
Not even once.

>>26066569

UK is headed to the grave.

>UK properties sold off to Russian, Chinese and arab investors
>government after government fucking everything
>full of shit skins, eastern Europeans
>culture being erased into a dystopian free for all
>wages to house prices means you will live in a small box with shared walls
>taxed to shit
>wrecked economy because of lockdowns
>no hope

cant wait till get the fuck out of here

>>26068689

>>26068151
This. Go and look at any euro nation with a similar capita GDP and you see much less mental housing market. The reason is that social housing at the bottom adds natural balast to the market. Marketise the entry level housing and you put the entire market into an endless bubble.

>>26068666
>Be free in UK
>Encounter same Somali rape gangs
https://www.bbc.co.uk/news/uk-england-30078503

>>26068810
>2021
>living in a British city

>>26068516
>NW1
I live near tho this. Nice area, but that is ridiculous. Probably some homeowner renting off what should be a kitchen and what has since been made into a cuck shed for the express purpose of covering their whole mortgage and utterly BTFOing the finances whoever lives there. Disgraceful.

>>26068325
>Virtually no taxes
>UBI
>NHS still exists
So your plan is to ramp up fiat printing even further?

>>26068151
Who the fuck said I liked thatcher you downie?
I'm also so sick of 'muh chinese buying houses' - that happens all over europe and in the USA as well.

>>26068516
I just looked it up on righmove and it says £1300, plus it has quite a large living room and kitchen are. But yes, the shitter and shower does appear to be in the bedroom. Fucking gross.
https://www.rightmove.co.uk/properties/74013945#/floorplan?activePlan=1

>>26066569
i just bought a 2 bedroom DeanoBox for 60 grand and surprisingly nothing came up on the survey. absolute fucking bargain, i should've been paying 80 minimum

>>26066569
>be me
>live in the norf
>buy 3 bed terrace 3yrs ago for 125k
>used 95% mortgage
>2021
>now its worth 160k

Nice.

>>26068199
This. I get paid £50k in Manchester. I could get jobs for like £75k doing the same thing in LANDAN, but it's simply not worth it.

>>26068634
>but we'd be happy to have some immigrants that are white for a change.

Nope. It's difficult as fuck to get any sort of Visa for America.

>>26066569
You do know that UK Real Estate agencies advertise everywhere around the World selling UK property, from the US to China, from Singapore to Dubai, from Brazil to India.

>>26070056
imagine anyone wanting to buy property in a country where you can't go out or do anything

>>26070056
We're aware kikes exist, yes.

I've grown to really fucking hate my country lads, easiest way to get an EU citizenship?

>>26070267
Do you have an Irish grandparent? Then you can get Irish citizenship

>>26070267
So I've found a loophole with that but it requires some commitment.

https://en.wikipedia.org/wiki/Common_Travel_Area

>Live in ROI for 6 years, which any bong is entitled to do because of CTA
>Apply for Irish passport
>???
>Profit

>>26067327
this guy sold his flat to some knowledgeable real estate pajeet who will flip it for a profit of atleast 100k within 12 months. That must suck

>>26068741
where you gonna go?

Paki in UK here. The UK is so fucked that in seriously considering going to live in Pakistan, even though I was born in the UK.

>>26070330
Would that mean renouncing UK?

>>26070565
Based, bring your family with you lad

>>26070565
oh no! thats so sad.. you should take all of your friends and family with you! they might miss you. and never come back! haha

>>26068151
Just because Blair's govt had bad policy, Thatcher's couldn't too? Did you even think before typing?
Fed up with mongs like this, just sick of it desu.
>don't spread bullshit
Only a limp-wristed bender could type this out

boo hoo cry more, you lot are just like the tards that cry about missing out on opportunity of buying stocks in March or bitcoin at $3k.
Work hard and be smart with your investments and you will make 1 mill

>>26070800
>t. Moshe Goldberg

>>26068422
that shithole is right beside my uni accommodation (warwick)

>>26070954
I was a labourer about 13 years ago and helped build that uni accommodation tee hee x
I was born/grew up about a 10 min drive from there

>>26070759
The really funny part is the ones with the brains and the desire for freedom are going back.
The bottom-feeder paki/niggers are going to stay here. But then most bongs are bottom feeders anyway, who am I kidding.
If only 4chan actually knew the reality of bongs.

>living in cities or the south

Bought a 1 bed end terrace in a nice Yorkshire village for £120k, sold that for £145k 2 years later. Moved to a 4 bed cottage in the same village 5 years ago for £340k, now valued at £430k.

>>26071092
So, how does it feel knowing you'll never be white?

>>26066656
Vote tories. Investors buy all the houses, leaving nothing for labourers. You can rent back for atleast 2x what a normal mortage would cost you. All politics are fucked mate. They are not your friend and they do not want to help you.

>>26071092
haha, you're brown

>>26070565
haha yeah mate so anyway i'll have a number 8 and a donner kebab with chips ta x

>>26071363
roaring

>>26071363
creased mate

>>26068181
>ban landlordism until you own a house outright unless you are letting rooms in a home that you ALSO live in
or
allow landlordism but implement landvaluetax.

>>26068123
same in ireland tbf

>>26071363

>>26071561
its expensive because its close to high apying jobs.
Of course if dont have the skillz for those jobs, dont move there.

>>26071225
so what you're saying is you're a piece of shit profiting off the very system we're complaining about? buying property to resell higher should be fucking illegal but fuck it i'm done with this shithole

>>26071561
lol where are the other rooms and why is there a bed in the kitchen?

>>26066609
It’s worth nothing because at any point the government can seize your assets and take your property.
You think they won’t?
Stop paying nigger welfare taxes.
Just write to them and put “I don’t wish to give any more of my money to niggers and the unemployed I am with holding my tax debt until you send the niggers back to Africa”
You’ll be kidnapped and tortured in prison until you suck a nigger cock for the queen.
Fuck Anglo island.
It is hell on earth.

>>26071638
even if i worked for google and got paid google salary i wouldn't pay €1000 + ultilities to live in a kitchen lol
there's no supply on the market even before covid hit, and councils refuse to build anything

The government will do anything to prop up this bubble - and worst of all will lie to our faces and claim the policies help first time buyers. it's a ponzi scheme.


>we want to help young buyers xD
*inflates house prices with H2B ISA*
>young buyers suffer, property owners profit

>we want to help young buyers xD
*inflates house prices with H2B equity loan*
>young buyers suffer, property owners profit

>we want to help young buyers xD
*nflates house prices with LISA*
>young buyers suffer, property owners profit

>we want to help young buyers xD
*inflates prices with stamp duty exemption*
>young buyers suffer, property owners profit

>we want to help young buyers xD
*inflates house pries with stamp duty holiday*
>young buyers suffer, property owners profit

>now.. a few days ago, we want to help young buyers xD
*inflates house prices with subsidised mortgages*
>young buyers suffer, property owners profit

Other things of course - starting with Thatcher
>Right to buy under Thatcher
>state house building dropped to zero under Thatcher (and never recovered subsequently)
>Blair opening the immigration floodgates
>Mortgage deregulation
>record low base rates
>tax breaks for buy to let mortgage holders

>>26071561
fucking retard should just get a futon that bed is using up way too much space in that little shitty "home"

>>26070565
please do

yup its ridiculous
>29yo here
> 70k wagecuck downsouth outside london
> 80k saved with at least 40k from investments
> average price for a nonshithole flat 250k

I think im easily at top10% my age and yet cant afford 1/3 of a 1bed flat in a non shithole hood

>>26068181
>>won’t develop on the green belt

Developing on the green belts is not going to help

>>26072002
More like top 3% mate. I’m on the same boat as you.

>>26072002
in a similar boat, less income more savings.. it's fucking obscene. considering moving Devon, Kent, Scotland and work remotely if possible

>>26072002
how can your savings only be 1 years salary? shouldnt you have multiple times that?

>>26070565
i will send you 0.1 BTC if you provide proof that you have left the UK

no, i am not kidding

>>26066569
Just going to live at home forever. I live with my dad and hes already paid off the mortgage years ago- now we split all bills ( utilities, internet, food, everything) 50:50. I make around £30k and have a decent sized investment portfolio. If i move out i leave a nice big house in a nice area,where i pay about £7000 total per year, in exchange for a tiny flat in any crime ridden area where i will be paying roughly £18-20k per year, minimum as my cost of living.
why bother?

>>26072107
Lol so few people under 40 have more than a year's salary in savings, especially if they have a house

>>26066569
Don't worry OP. Market will crash eventually, and it'll probs start when the government stop incentivising landlords and chinese investors.

Lot of people my age (18-25) only goal appears to be owning a house so they can post on social media about it. I know a few super successful guys earning a few hundred K a year and they don't own, they rent. One of them is a big time property investor and said he rents because his £7k a month he spends covers everything and doesn't have to worry about taking a hit larger than his monthly rent outgoing if the house prices were to fall (e.g. if a £2m house fell 10% he'd lose £200k + sellers fees, or roughly 3 years renting the same house).

I'm well above average regarding salary, £60k at 25 and a fair amount of savings. But London prices for a decent house in a non-stabby area are upwards of £800k (13x salary). I'd go south, but even the Guildford/Farnborough area is around £400-£500k for a decent dwelling. Think I'll wait for the almost guaranteed crash that has to happen after all this money printing and record economic decline

>>26072107

Started at 24 after uni + masters
wage went like
22k
35k
55k
70k
only been making this 18 months
annual expenses 20-25k

im lucky am an expat taking them lads jobs and tuition is basically free in my country, otherwise add 60k student debt

>>26072323
but all MPs have significant wealth in property and a very large % of them are landlords

>>26067706
based Gibraltar

> wake up and walk down Mainstreet
> Eat Churros for breakfast
> Relaxed work culture, pay fuck all tax
> Go swimming or up the rock
>lots of hot Mediterranean babes

>>26067706
So I have to be living in gib already for 183 days then I can cash out without CGT?
Can I just fly there now and get an airbnb until then without any papers?
When can I return to UK without a tax penalty?

>>26071885
Good rundown

>>26069142
No. The reduced tax incentives for corporations and individuals would encourage business to boom so hard, the tax revenue could easily cover a far smaller population of Britons after all the foreigners and non compatible citizens are removed. With the advent of automation, I would bring in a ‘Citizen’s Dividend’ which pays UBI based on the job loss from automation. UBI would only cover food and basic housing. All citizens receive it regardless of wealth. It is a digital currency. There is nothing wrong with the NHS so long as you remove the middle managers that are crippling it and stop covering retarded shit. Not only that, but with less foreigners, it will actually function as Mohammad won’t bring his 9 kids in because they have a paper cut. Any time wasting bullshit such as being drunk or on drugs nets you a full charge. Degeneracy will stop quickly. I would also make foreigners have to be fully insured by private insurance to even be allowed entry into the nation.

>>26070565
PLEASE GO BACK.

>>26072107
Much easier in America where salaries for professional roles are higher + tax is lower. I take home about 65% of my salary each month due to Tax, NI + Student Loan. This year's the first year where my student loan payments (mandatory) were higher than the interest - majority will never pay it off and will be burdened with a few hundred quid less a month for doing some shitty degree.

I've been debating a move to Texas with my firm. Salary would be doubled (in £ value), housing would be the same price for a much nicer place and things like medical insurance would cost less than my current tax + NI contributions. I'd probs set up a limited company in the UK and pay myself the bare minimum to hit the NI threshold each year for state pension, which would also be income-tax free.

>>26067202
Kys

>>26068325
>no free NHS if you are a smoker, degenerate fatso, or drunk
>legalise cannabis for export and sale
very sneaky

>>26068422
lol the absolute state

>>26072323
they've been propping up property prices for decades now, why do you think they'll stop anytime soon?

>>26066569
As i repeat in every thread about this:

The uk housing market is fucked because we are a small island with limited land, infastructure and have a population that is exploding due to immigration and third world style reproduction in ghettos of pakis. Supply is limited and demand is growing. Everything is smaller here because there is less space to build, less infastructure to get building supplies around cheaply and less building materials, less contractors, the list goes on.

Zoning / planning permission laws also make it almost impossible to homestead legally and diminish buildable land even more for the average person, creating a monopoly in housing for huge corps.

Then the widespread part-buy schemes also stop house prices from stagnating because it lets poor brainlets buy up property when there is a glut in supply on the market.

Boomer and paki slum lords buy up shitboxes to rent out at a premium which also prices out first time buyers from the market and puts a hard cap of around 150-200k for any kind of livable house to own for a new buyer. Which means saving 20-30k for a bank to grant you a mortgage with interest that doesn't fuck you in the ass.

The governemnt's current response is to keep allowing millions of immigrants in here, give even more power to the huge mega housing corps by allowing them to build where ever they want and allowing equity for home owners to be grinded out through part by schemes and 'help to buy' which is just robbing peter to pay paul as the same people buying houses with help to buy are :

a. feeding back in to these megacorps who take a cut of the houses on help to buy which are further inflating house prices and grinding out equity for the buyer

b. being paid for with the same taxes that buyer is paying every month out of their pay cheque

>>26071092
Let me tell you a story about me growing up in the 90's in an all white school in Dorset:

> Most white kids lazy as shit
> Most white families in distinguisable from nigs
> 'I refuse to study at school, will just claim bennies'
> Had ongoing issue with kids shitting in the sink


The fact is that culture is what defines people. Alot of my fiends at uni and work are non-white, and they are more 'white' than the British kids i went to school with.

That said, I wouldnt want to live in Pakistan

Poperty prices are a function of supply and demand. There is a fundamental supply shortage in London. This will not be solved anytime soon. Property prices will continue to increase. Only brainlets buy outside of London cause it's "cheaper" - the value of property outside London does not appreciate at the same rate.

You can still buy a property in London. Let's take the example of a 2 bedroom flat at £500,000.

- Get a mortgage up to 5x salary = £200k (assuming £40k salary)
- Get a help-to-buy equity loan from the government up to 40% of the property = £200k (40% of £500k)
- £100k deposit from savings/ crypto

You now own an asset worth £500k. Now it's up to you to either scale your salary or investments to move up to the next bracket.

>>26071885
V. true. nice run down. saved.

>>26070531

probably some 2nd world country, though there are some 3rd world countries where you can live like a king and not get murdered

>>26072323
keep waiting lol. this is like sitting out of the SPY for the last 10 years because 'muh bubble'

>>26072835
>own an asset
LMAO!

except you only have a leasehold on it for 120 years and when it gets to 100 your property begins depreciating. Also dont forget about maintenance cost and land rent! 12k per year please! Oh whats that, you want to drill in to the wall and put a shelf up on the flat you spent 500k on? gonna need my permission first young man and its a no again!

Don't forget moshe, you're a rentcuck with a leasehold, just a richer one.

>>26072350
whats your job anon

I have a house, £60k 29 yo living in oxfordshire

>>26072323
This is retarded. If the value of your property falls, then all other property will fall. So you would be in the same position in terms of purchasing power, but with less equity. It doesn't matter because a property is an asset you own for your entire life, therefore over the longer-term you will be profitable. Renting however you build no equity.

I spent the summer overestimated myself to buy for because I spent my dollaridoos getting drunk on cheap boozeridòs at the casino

>>26073010
This isn't true, leaseholds are typically 999 years for new-build flats which you can purchase under the help-to-buy equity loan scheme.

Ground rent and service charge costs around £1,500 per year, most new-build flats won't have any maintenance costs (I would know as I've lived in several).

Are you advocating that people should just be renting and building no equity?

>>26072835
yeah, no, prices are going to crash, there is no economy anymore, they have destroyed a massive portion of small businesses, rents are too high and are not being paid, London is fucked and all those that over extended in property are fucked

>people who can't afford property are fucked
>people who bought property are fucked
So which is it?

>>26072835
H2B equity loans only applicable for new-builds

whilst this applies almost everywhere, it is especially true that London new-builds are cramped shit holes with thin walls, low spec and extortionate ground-rents and service fees.

FUCK a 400k total mortgage for a place you don't even like on £40k salary lmfao

>>26068666
How much extra for that?

>>26073265
You need to perform a cost-benefit analysis before making such ridiculous statements.

In the example I gave above, a £200k mortgage will cost c. £450 a month. If you add on £1,500 per annum for service charge/ ground rent, your total expenses are £6,900. To rent an equivalent property would cost around £21,600 a year - you save £14,700 and have equity in a property.

Now let's assume there is a 30% property crash. The value of the property would fall from £500k to £350k. Your exposure to the property is £100k deposit and £200k mortgage (£300k) so you would temporarily lose £90k (equivalent to 4.5 years renting). You should also factor in that the 40% help-to-buy equity loan on the £500k property would also fall from £200k to £140k, because the loan isn't fixed and goes up or down with the property.

Also, your flat falls from £500k to £350k. So do all other flats. Your purchasing power is the same. I don't see an argument for renting.

praying for a dramatic (ideally 30%) property crash, this nonsense has gone on for far too long

unfortunately - give the supply/demand situation, I'm not sure it'll ever come

>>26073501
>200k mortgage costs £450pcm
you on a 70 year term? lmao it's more like £850-900 mate.

>>26073463
This is true, but if you're not a retard you can find good investment opportunities in London. For example, you can get a 80sqm, good spec 2 bedroom flat near to a station for £500k with £1,500-£2,000 grount rent/ service charge per annum (example - Ealing, where Crossrail is being finalised shortly).

I'm not saying it's a great situation. But are you telling me you'd rather pay £1,500 a month to rent and build no equity? That's just retarded.

Bought my house for £365k brand new about 5 years ago now. The neighbour next to me has the same house and recently put it on the market for £425k.

Its 2000 square feet and is the typical deanobox crammed onto a plot. My parents sold our childhood home with had acres of land and was this huge grand old building for £200k or something.

Exit all fiat immediately.

>>26073184
>leaseholds are typically 999 years for new-build flats

This is just an outright lie. Look on rightmove and you will see the majority of flats are 120-80 years. Especially in london. If you go to 1 million pounds + you begin seeing them at 999 years.

>Ground rent and service charge costs around £1,500 per year,

Depends completely on the freeholder of the building. The average maintenance is 1-2k per year, average ground rent is 30-100 per month. I was exagurating but the fact that you even have to pay it on a flat you own is absurd. Also note that freeholders can jack up both of these charges after you have bought.

>doesnt address the fact that you do not truly own the property and have no power in amending it
kek

Im advocating for people not to buy leaseholds at all. Buy a freehold somewhere outside of london. Leaseholds are a con. They're outdated and do not work this way in any other country. Even scotland has better rules implemented than we do.

>leaseholds are legal
fuck this, most cucked thing i've ever heard of. Scotland rightly outlawed them.

>>26070583
No most countries dont make you give up the other one. I don't think you need Irish citizenship to live in Ireland anyway. The UK and Ireland have loads of agreements which predate the EU

>>26073607
To be specific, a £170k mortgage costs £450 per month, £200k mortgage would cost about £530 per month. This is based on recent discussions with a mortgage broker. It's definitely not £900pcm. The central bank interest rate is 0.10% at the moment, so mortgage interest is about 1.3% at the moment. Find a better broker.

>>26073616
i'm saying i'd rather move up North or to Devon than commit half a million I don't have on a rabbit hutch in London

i spend £2k/month on rent for a little shit studio "apartment" lol its fucked

>>26073693
>I don't think you need Irish citizenship to live in Ireland anyway.

You don't, see >>26070374

Stamps will win the next Grey Cup

>>26073529
Will never be allowed to happen, as the banks would be fucked, as well as boomers.

Can't have anything happening to the boomers can we?

>>26073729
>The central bank interest rate is 0.10% at the moment, so mortgage interest is about 1.3% at the moment.

AHHAHAHAHAHAAHAHAHHA

more like 3.5% , 4% if you have less than 15% deposit

You do realise that when times get uncertain mortgage brokers jack up their interest rates to cover their losses? There is ZERO CHANCE you would get a 1.3% mortgage right now. Even if you had 90% of your deposit.

>>26073684
It's not a lie, developers don't typically sell new-build flats with 120-180 year leaseholds. Most new-build flat developments have 999 year leases. As with anything in life, you have to DYOR and find the best.

It's true that ground rent/ service charge depends on the freeholder. But it is still much, much less than renting. And you have a lot of power to request audit statements for completed work, you can even come together as leaseholders to buy the freehold or alternatively to form a management company and procure the services yourself (in extreme cases that you're being ripped off).

It's true you can't amend the property, but there's not much reason to amend a 2 bedroom flat. You just buy the fucker in a good area and sell it a few years later, and move to a freehold house in London. It's a stepping stone.

Your advice of buying a freehold outside of London - I disagree with as they barely go up in value. Whereas flats and houses in London make good investments.

>>26073778
That's fine and I commend that. Personally I think Devon is boring as fuck and the property prices barely go up.

>>26068741
to go where? Everywhere that's not turd world is fast becoming the same globalized cultureless shithole

>>26066569
Stop being a faggot. I managed to get a 45k deposit together as a single guy on just about 30k a year.

>>26073976
I currently have a mortgage for 1.3%, taking out another for 1.7% (only cause I'm borrowing much more). Mortgage interest rates on standard residential mortgages at the moment are generally sub 2%. And in the case I'm talking about, you have a 20% deposit and a 40% help-to-buy equity loan, so the bank's loan to value on the property is only 40% which is low and attracts favourable rates

You're supplying poor information, suggesting people buy property in places where it doesn't appreciate cause you get more for your money (short time preference) and your information on mortgages is wrong or you have a shit broker. I'm speaking from experience.

Blimey mate. I nearly spilt moi crumpets.

>>26066609
Luckily I got right now all this shit started to happen last year and managed to snag a detached bungalow for 139k. Put in about £15 to modernise it. No plan to sell for profit because all other house prices are up so if you're not on the ladder your getting fucked. Probably have this paid off for the most part in 5 years and see where we are then.

>>26074070
Good question.

Where is a country that is:

-Reasonably english speaking
-Gun ownership
-Safe
-Able to buy land and live privately
-No niggers

got 110k in liquid assets and make £47k/yr and the outlook is grim

why are UK wages so much lower than the US? it seems like any shit job in the US pays $50k but in the UK people make like £20k lol

>>26067119
Pass. You got Bradistan etc. over there. No thanks.

>>26072531
Are you a white brit? The Texas climate will make you run so fast back to Britain that you'll bend over and spread your cheeks for the flat in the OP

>>26074173
I honestly would trade gun ownership (aside from what's needed to live in the countryside) for the rest of that list, and I say this as a burger

>>26074214
Taxes

>he's not buying up cheap land in Scotland and building a mansion to live like a king

Just bought a house lol, saved £12k in stamp duty, thank you based Rishi.

>>26074391
>saved £12k in stamp duty
But the current stamp duty relief has raised prices by around the amount you'd be paying on stamp duty anyway.

>>26074361
im talking about pre-tax

This is the future of property ownership in the UK. Tiny houses are the only things millennial and zoomers are realistically gonna be able to afford. The average wage is £25k and the banks will usually only lend you 3x your income maybe 4x if you have an excellent credit rating. What house or flat can you buy under £100k? Fucking nothing.

Take the tinypill. Also pic related is currently for sale for approx 1 BTC but sadly I don't have the coin. It's basically equivalent to a fully furnished 1 bed flat/studio that you might pay £800-1000/month to live in where I'm from.

>>26074436
Agreed the deal before it was all announced. Completion delayed, and then completed for asking a month after it came into effect.

>>26073978
>you can even come together as leaseholders to buy the freehold or alternatively to form a management company and procure the services yourself (in extreme cases that you're being ripped off).

this is a nothingburger. Freeholders know that the chances of every tennent of the building having the capital and means to do this is close to zero. This law doesn't protect leaseholders in the slightest. Same with audits for completed work, which are so easy to get around for the freeholder that they may as well not even be an option.


>It's true you can't amend the property, but there's not much reason to amend a 2 bedroom flat. You just buy the fucker in a good area and sell it a few years later, and move to a freehold house in London. It's a stepping stone.

You do realize that as your flat's price rises so do other properties in london right? Also amending a property is one of the ways to increase it's value, you're taking out a valuable tool to increase your investment. You also have paid 400k for an asset you technically do not even own and have no power over. A freeholder is still able to get you kicked out of the property (it is harder but it can happen). You paid 400k for a flat and cant even put a fucking shelf up on the wall without speaking to your landlord first.

>Your advice of buying a freehold outside of London - I disagree with as they barely go up in value. Whereas flats and houses in London make good investments.
they go up at a similar rate, london flats / freeholds are just inflated by arond 40%. So sure your value goes higher , but you are also paying more in with a more expensive property in the first place so how are you gaining anything?

>help to buy equity loan
restricts your buying choices severely and you pay a monthly interest fee of 1.75% of the equity loan
interest rate will rise each year in April by the Consumer Price Index (CPI), plus 2%.


stop trying to cope for buying an over-priced shit box

>>26070565
Thanks for doing us a favour.

>>26074536
gee i wonder why
WELCOME REFUGEES

>>26074536
the people that are able to convince themselves that 'tiny houses' are somehow desirable are literally mentally ill

leaseholding is financial cuckoldry

>>26074536
It's going to be mega skyscrapers aka paki/nigger hives that will also include restaurants, convenience stores, banking, etc. You'll never have to leave the hive except for holiday, which will simply be to another hive

>>26074636

The people that are able to convince themselves that forever paying a third of their salary for a 1 bedroom flat of the same area are literally mentally ill.

>>26068325
why do clubs have to shut at midnight? FUCK YOU INCEL

>>26074382
>bloaks yer wee path

>>26074587
>26073978
>>Your advice of buying a freehold outside of London - I disagree with as they barely go up in value. Whereas flats and houses in London make good investments.
also to add to this a flat is an investment but you also have to fucking live in it. You are paying through the nose to live in a cramped 400-1000 sq ft flat surrounded by neighbours from all sides for a CHANCE, not even a certainty, that you will make more money in the long run, when you could live in a better house 3x the size for the same price by comprimising and moving out of london and make a similar profit.

>>26074536
>Literal cuck shed

>>26074382
the land is cheap but then ur cucked - can't put anything cheap on it, you need to build a 250k mordern house from contractors. unless ur skilled and willing to build it yourself and with friends its still massively out of reach

>>26074791
Will Scotland import the third world once they leave? If no, they're based

>>26074536
Just move to middlesbrough bro. 3 bed house on benefits street for 80k.

>>26074863
kek, what do you think

>>26073501
>ridiculous statements.
open your eyes, I know you're locked in your cuck cage but look out the window
I'm not suggesting renting is a good idea but a large portion of mortgage payments are derived from rent seeking, shit is fucked, it's obvious and what with the effective annihilation of a large chunk of bricks and mortar businesses shit is going to get real pretty quick

>>26074863
>Will Scotland import the third world once they leave?
Yes they will.

https://www.youtube.com/watch?v=4EYfbjZAFsk

>>26073616
you'd be a fool to buy in London now with a minimum 30% crash incoming

>>26073978
What's your view on London BTL? I completed on a flat last year but part of me thinks I should have just bought more shitcoins instead.

>>26066656
Yes I’m sure it’s this simple.

Economic problems are always this simple.

>>26074930
the rhetoric from this guy is unbelievable when you consider the current demographic reality

>>26074937
Yeah London is fucked with the move to WFH. A lot will probably just scrap the office all together, unless they are locked into leases they can't get out of. Or relocate up norf.

>>26074382
>hes not buying a 30 acre plot of private woodland in wales for 20 grand and then building a homestead on it illegally, then after 4 years getting right to reside because you hid your home deep in the woods away from any public footpaths.

>>26075033

>then after 4 years getting right to reside

Where on earth are you getting this from? More like some twat wanders onto your land because they don't give a shit about footpaths and then reports you to the council because they look down on you and they have nothing better to do. Then you home is torn down and kicked off your own land.

Moving to Italy when I make it bros, I'm going to be drinking wine and eating olives all day

>>26075033
There's always going to be one busy body rambler who'll grass you up. Just make sure they don't leave the woods.

>>26075170
Do you not have fences in the UK?

>>26074930
Scotland is too brutal for those that are not acclimatised. Even south europeans want to go back when winter hits, it's -3 degrees, and you get 3 hours of sunlight per week.

>>26066980
What's the Austin, Texas of the UK?

So many twitch streamers and esports orgs are moving down there, even joe rogan moved to texas seems like its a trend in America right now looking at it from the outside

>>26075191
Italy is corrupt as fuck, especially the south.

>>26075249
I thought Texas was full of mexicans, etc.

>>26075191
naive outlook on the current state of italy, they're cucked by immigration and loss of culture. you'll be eating a pizza in italy and paying full infidel price for it whereas the muslim customers will get a discount more like (i actually had this experience when i was there)

>>26075249
>twitch streamers and esports orgs
sounds hellish

from what I understand apart from that, Austin has a bit of a free-spirit to it, a good music scene, and lots of young people... i'd say Bristol would be the UK equivalent

>>26075170
This.

Go look into what happened to Albert Dryden.

>>26068151
china bans its citizens from buying property in china....
kinda communist right?
NOPE. its so it force every chinese person with means to buy property over seas. 90% of new apartments in the UK are purchased buy chinese, to rent to UK citizens.

the scale of this is 100x worse than anything Thatcher or Labour has done to fuck up housing.

>>26075248
Sounds comfy. I miss proper winters in England.

>>26075240

It cost my parents £4k to have a fence built around our 10 meter garden how much do you think it will cost to build one around the perimeter of a 20 acre plot of woodland? I've only ever seen fences in the on private woodland near a quarry.

>>26075170
>>26075228

build fences, befriend locals.

It can and has been done, there are tonnes of people on youtube who have done it. imo is the only way you can get a lot of land cheap in the UK. It is also a slippery slope once you have right to reside and you're able to get away with building much more. Yes, one person can fuck it all up by complaining but its a high risk, high reward strategy that if you're not an idiot you can pull off.

I just took a graduate job for £35k in London. It's fine right now since I'm just working remote while living with my parents in the north.

But when offices open back up, I'm going to have to move to London. Am I going to make it lads?

>>26075362
>It cost my parents £4k to have a fence built around our 10 meter garden
Wtf was it made out of?

>>26075332

austin is a cess pool of egoic pursuit and bullshit

still better than houston desu senpai

>>26075362
if you build a fence from 2x4 and wire it is relatively cheap. It only needs to be there to deter people from walking through and you can call the cops for tresspassing if anybody does bypass the fence. Or get some temp fencing. Either way it can be done, it is expensive i admit but to secure a house on 30 acres of woodland (you would only need to build the fence in the acre your house is on) it is worth it.

>>26075434
Try to get a WFH position and then commute in once a month from your home in Cornwall or Brighton.

>>26075344
I find it perfect, I even go swimming in the sea all year round.

>>26071092
>If only 4chan actually knew the reality of bongs.
They do. Bongs hate bongs too, just the different class of bong that they are. Class divide here is massively ingrained in our culture. People are earning £40k+ salary and driving a slick car and call themselves "working class" still. You get kids out of a prestigious university with no job, no prospects and no hope working part time in a café or factory, who would never consider themselves "working class" or blue collar.

Us bongs had problems, but the failure of mass middle eastern immigrant integration in failing industry cities compounded it.

>>26075170
also if you were unaware, you can apply for right to reside 4 years after building a permenent low impact dwelling on a plot of woodland or field. You are not allowed to hide it but you can hide it really by positioning it miles away from anything and inside thick undergrowth (which you clear out after the 4 years) As l mentioned, some twat can fuck it all up by complaining within those 4 years but the chances of that are low.

>>26075481

Fair enough but I still think if you build the fence around a very small area someone roaming the area will guess why it's been built. Also 1 acre is pretty small chances are they could see your house from the fence.

Still your plan would be much better with a tiny house as recommended in my earlier post because then you aren't risking everything if you get caught. You just buy another plot of land elsewhere, move your home, and try again.

Also why would you call the cops if you're trying to hide your house from the authorities? Trespassing on land is a civil matter all they can do is ask them to leave, after which point they will then report you ol.

>>26075619
>you can apply for right to reside 4 years after

YOU CAN APPLY not 'you are entitled to stay there'. I'm genuinely intrigued though as i hvaen't heard of this before. all i know is regular planning permission which is very strict. do you have any links that show what you are talking about?

>>26075619
>>26075678
You hide your house in undergrowth and the chances of somebody stumbling across it miles from public footpaths if you put private area signs everywhere as well as a fence are even lower. Honestly you may not even need to do that. It is all luck of the draw.

How much do you earn? On 48k at 23 after starting as a grad on 22k. Software developer.

Next job looking to bump up to 55, 60 or 65k but don't know what number sounds more reasonable to recruiters exactly

>>26075970
Where do you work? I graduated last year and the only offers are around ~£30k for startups and larger companies that are still bothering to hire graduates during covid.

>>26075738
planning permission and right to reside are two different things. If you have proven you've been somewhere and nobody has complained you HAVE the right to reside. You applying for it is just to put it in writing.

Maximus Ironthumper did used to have a video on it specifically but it looks like he has taken it down so he doesnt get fucked over legally for it. He has also unlisted his playlist on off grid living.

https://www.youtube.com/playlist?list=PLNE6DEIclzg2pXLNM4jWSEwAwlgLH86eX

There is also a book called The Rural Planning Handbook which outlines how to get around planning permission laws etc. The info is not really around on the internet because the government doesnt want people getting wind of being able to do it because everyone would.

>>26076059
Sky

Old job was on 22k and has a few pay rises was really lucky to get a good job like that. No graduate scheme exactly just entry jobs to start off.

>>26075170
also pretty sure councils use satilite mapping to show where new structures have been erected, and what date, if they have planning permission/ building control records etc.

>23
>41k, engineering grad
>dad wants me to buy a house
is it worth it lads?

>>26074173
eastern europe seems like a good option, so does south america (not argentina) eg: chile, peru, paraguay. I dont think the west will be known for being freedom loving for much longer. Learning a new language is the best first step. If you plan to move somewhere might as well

>supply and demand meme
>population meme

WRONG

It's due to credit creation

>>26075312
>whereas the muslim customers will get a discount more
Hahaha

>>26076571
>satilite mapping
>under thick canopy of woodland

also you vastly overestimate the intelligence and reach of the council. The reason homesteading works in the UK is soley because the council is stretched too thin and is inefficient. They dont have the man power to keep an eye on every acre of woodland in the UK

just found out supply and demand is a meme from a /biz/post

>>26076713
Look at bubble cities like Vancouver or Toronto, entire empty skyscrapers full of tiny 1 bedroom condos selling for 1 million each, the quality of construction is so poor they are basically unlivable. They are simply a place to park money because of the insane level of credit creation. Same with the 2007 USA housing bubble, entire empty subdivisions full of million dollar houses, all created due to lax lending policy

>>26075448
They got ripped off bigly. I had a 45m fence around my back garden with concrete posts, gravel boards and trellis on the top for 5k.

>>26076657
Is it not common knowledge that homes cost so much because money is worthless?

>>26076572
Similar i looked at mortgages and could only get 216k from the bank which is fucking worthless

>>26071248
Feels like I have a homeland to go back to

>>26077120
i've got 20k in savings and dad said he would be willing to chip in 60k so I suspect I could get something reasonably decent since I'm in the midlands

>>26077095
>Is it not common knowledge that homes cost so much because money is worthless?
No.

its called inflation dumbass

>>26076250
I'm also 23 but I wasted an extra year finishing my masters because I didn't want to graduate yet. I didn't really bother applying to jobs or graduate schemes until I graduated which is a big regret of mine.

I'm happy I managed something but damn, those graduate schemes pay so much.

>>26066569
People outside of the UK are mass buying property when they move here.

Pakistani landlords are everywhere.

>>26074871
I live on a street of houses worth 200-225k and it is a total chav nest. Wtf are streets with 80k or cheaper houses like?

>>26078689
>Wtf are streets with 80k or cheaper houses like?
Usually the opposite, bought by sensible people not looking to be debt trapped for 30 years. That's why the Deanos and Staceys buy the aboslute maximum they can afford because of "muh image" and turn places of that price range in to hellscapes.

>>26068325
>shut pubs at midnight
> close nightclubs at midnight

Literally just have sex

Spent all day with my mate at his 4th house he’s building. He’s a developer buys land and builds houses from scratch. Had an idea today think it would be worthwhile to sell percentages of the houses as he only rents them? You can than get your investment back whenever and also get a monthly payment back as well as something if it goes to sale. The goal is to eventually have a 100 houses if not more a full development company

>>26076599
Anon eastern europe is a trap.
>Ukraine
Actually what boomers think russia is like
>Russia
Comfy, low taxes, but brutalist and souless, also cold
>Moldova
Buckle in, here are the most stupid low life people you will ever encounter, mouthbreathing, drooling violent imbeciles, poorest country in europe, lowest economic growth in europe
>Romania
The cities are somewhat nice, but taxes are annoying. The countryside is literally living in the dark ages. Gypsies are annoying and Policemen are imbeciles that will even fuck with you for no reason.
>Hungary
Its like romania but nicer
>Poland
The EU money hole, some of that money is being put to work, it's fine.

Russia is your best be for non EU. If you want to go to an EU country, forget eastern europe go to south Italy.

Houses are in the East Midlands and sell for anywhere between 200k-300k currently at 4 but plan is to continue raising capital and building currently only a 2 man team on the weekends

>>26074156
He’s talking more for first time buyers.
I’ve got 3.74% with a 10% deposit and it’s not much better at 3.2% with 15% deposit.

My friend who already owns just remortgaged for 1.4% with about 20% equity.
It’s literally a first time buyer risk problem

>>26079834
Kiev is a lovely westernised city. Everyone under 40 loves brits euros and speaks good English. Everyone over 40 is a dirty faced Rusky.
The women are literally all 9/10+ and the men are all ugly as fuck.

>>26066569
Just wait for the house price correction ie the house price index comes down to its historical avergae

It’s completely fucked, but it’s not impossible to get on the ladder still. I will say this, wherever you are it’s a lot easier to buy with a g/f. Having said that, if you’re on your own you can aim for smaller places so don’t automatically discount 1-2 beds just because

I’ve saved 120k with my g/f at 25 which will allow us to buy a tired 3 bed in a nice area and renovate it

>>26067244
UK is more pozzed you fucking retard. Aus is bottom of the list, we're just very anti-gun, that globohomo won a long time ago. Wages are still good here in comparison to the West, any UK blue collar cunt comes here if they can but at least they don't accept scraps for pay like poos
>t. Ausfag

>>26075434
decent salary compared to most grads but it depends on what salary progression in your chosen career looks like and what you mean by making it

>>26074987
They literally are. I just buy when number down and sell when number up with shitcoins and I’ve made 6 figures. Economics is easy.

>>26082170
do you buy shitcoins shilled on biz or do you find your own

>>26066569
What did you think was going to happen when you build 100,000 low-density houses a year instead of high-density flats/apartments, and you get over 200,000 immigrants net a year?

An average 3 bedroom hours in my estate costs 500k. Half a million quid for a fucking average sized house.

I remember when my parents moved to that estate and paid 260k for it

>>26071561
Not even room for a modest battlestation.

HI BONGS!

I bought a 75k 2 bed, extended plus refurbed it costing about 60k. 4 bed now valued 175-250.

But I have to live in Birmingham.

>>26070267
Portugal gave a 'golden visa' where if you invest over £250k you automatically gain citizenship. otherwise you gain citizenship after 6 years.

Figures could be off as I read it a while ago and can't be bothered to look up again, but combined with the low CGT Portugal would definitely be a good destination

>>26068181
are you out of your fucking mind? immigration into the UK has nosedived in recent years, especially now that BoJo has his new points-based immigration system
>muh Abdul taking gibs!!!
will people stop pushing this shit already jesus

>>26083283
Fuck off you paki. Not a single drop of melanin belongs in these isles. You know where the door is

>>26083333
>no argument presented

>>26083283
>immigration into the UK has nosedived in recent years
what the fuck are you smoking?

>>26083354
Who cares about muh economics? Not a single darkie is justified in this country. You will never be an Englishman. Realise this, and fuck off back your shithole you smelly wog

>>26083472
I migrated from the EU and there is nothing you can do about it
I'm white though, don't worry

>>26083502
Don't migrate here and start commenting our politics then. You have no say. The only thing you are good is for seasonal farm labour polack cunt

>>26083561
>commenting our politics then
mate I'm close to getting Settled Status very soon
I'll then get citizenship and I'll vote Labour every time I guarantee you
>polack cunt
eh I'm Greek, but nice guess

>>26083602
>Greek
Oh god..

>>26083602
>greek
>I'm white
Hahahahaha

>>26083714
Sure... you're very white

Is the housing market about to crash in the UK? I really want to buy a house but prices are so incredibly fucked at the moment. Which is bizarre as the economy has tanked hard because of the coof. Surely a correction in the housing market is around the corner?

>>26083333
>>26083354
His argument is those dirty fucking quads. Off yourself paki nigger

>>26083786

>>26083786
go back to pol peasant

>>26083472
That's hefty bad karma right there and you'll pay for that. It's not a threat, it's genuine advice. You'll know when it happens.

>>26083742
There is a pool of 10-20 'nazi btfo' images you redditors have. Our pool of degen lefties is in the millions faggot. Get back to shilling on /pol/ faggot, or is it too much for you to handle?

>>26083742
Whiter thank you Achilles
>>26083786
Cheers lad

>>26083804
>>26083835

>>26083841
>/pol/
I don't go to that shithole, maybe stop sperging about these fantasies in your head about redditors? How about reading a book?

>>26083472
Who cares about being an Englishman, cunt?
You'll be gone as a race soon enough.
All your racist internet anger will have come to nothing

>>26066656
imagine thinking blaire caused the housing crisis when it was literally thatcher who allowed people to buy their council houses without any more being built to replace them

>>26068181
>>26068325
cringe
enjoy your North Korea economy

>>26083804
Based. This is the actual cause of racist anger and their unfixable inceldom.

>>26066569
Irish immigrant Grandad bought big ol' house for pennies in 70s in London, now largely gentrified surrounded by all the rich poshies. House now worth £2mil, I just inherited the house last year, feels good to be a king.

>>26083804
Literally everyone I know and meet thinks immigration is a problem. You have to be some sort of privileged, sheltered, limp-wristed bender to be simping for "refugees/economic migrants" funded by yours truly in 2021

>>26067954
No, you misunderstand. I am doing the racism.

The bad shit about London, is the non whites.

>>2608394
>who cares about being English
You do. You will never know the joy of being born first in the race of life. Everything in this country seems alien to you, you have no connection to it. We may die as a race but you will die as a nigger faggot.

>>26068741
I can't wait for the actual British to boil into a seething mass of rage and tear the people who did this into tiny pieces.

>>26069825
You have the same problem as the boomers. You get a benefit because the price goes up, so you no longer care. You therefor price out your own fellow Brit, negating racial and ethno loyalty, which further leads to allowing the increase in the non British population because there is no ties to one another that can be united behind because the ladder you had to get on the property market is pulled up for those coming in later.

>>26083901
>How about reading a book?

>>26073048
Whats the job? I'm only on 32k and I can't save shit.

>>26084296
What difference does it make if one cares? We still need somewhere to live. I don;t fancy paying rent the rest of my life, so I bought a place. I'm glad now I did. It's almost paid off. Fuck paying a landlord 1300 a month for a flat forever, then being chucked out on a whim when he decides to sell it. And what are we supposed to do when we stop work? Just produce this rent out of thin air each month till we die? Stop blaming people for making the best of the situation they find themselves in. I can only assume you're a salty nohomeowner.

>>26084296
>You therefor price out your own fellow Brit

By doing what? Buying a house? Believe it or not make, I don't set the market rate for what houses cost.

I think you should perhaps stop going to /pol/, work on yourself, and get a better job that isn't stacking shelves at Tesco.

>>26075434
Why are salaries in Europe so low? 35k is for people without high school degrees or any skill

>>26084532
he lives in oxford
even tesco workers make £60k there, the cost of living is ridiculous in that area

>>26066569
The bank of England, and all other CB's fix intrest rates at bizarre lows, near 0%. Thus every asset that is bought with debt soars in value, because the main cost of a house is the repayments on the mortgage. It's as simple as that, the same problem is all over the world and it has nothing to do with supply / demand for housing or immigration.
Pro tip: price housing in bitcoin, it's crashing hard.

>>26084735
>tesco workers make 60k
who, the CEO?
pull the other one

Britain is a two-tier society

if you bought property before ~2000 (or inherit it thereafter) you're in the tier 1, if not you're in tier 2 and doomed to eek out an existence whilst paying large parts of your income in rents to inhabitants of tier 1

>>26084862
it's an exaggeration obviously...
basically, £60k makes sense because the cost of living is high
if he lived in the north he would be making £40k, which is reasonable

>>26083804
These people are less obnoxious and destructive then your average immigrant.

>>26067621
Eastern europeans usually share a flat with 20 other people, work for a few months then spend their earnings back in their home country, so it's a non-issue.

What do you lads do for work? I've been unemployed since dec. 2018 and I'm finding it impossible to find work again
I don't have lots of experience in one field, as I have changed jobs a few times. I've also had other commitments (carer) so I haven't been able to focus on a career

>>26084897
>less [...] destructive

>>26084586
It's not an attack on you, more on the kike system in place. House priceses rise, but wages don't rise at the same level. Thus descendents of your kin don't get on the housing ladder. You are reacting to my statement as a personal attack for some strange reason when pointing out the effects of the system. Hence there becomes generational warfame (millenials and zoomers against boomers and gen x), instead of generational unity as those of age are viewed as having knowledge to pass on.

>>26084735
>60k tesco workers
Thanks for the laugh

>>26085048
see >>26084891

>>26084941
Yup. They could do this 10,000 more times and cause less disruption to the average American. I live there and we didn't notice till we heard about it in the news, and it was a mile away. Meanwhile, entire neighborhoods that have been heritage American(black or white) for a century have to be written off because they've been trashed by immigrants who don't understand littering is bad. No one but the criminals and scam artists aho worked there was affected by that little temper tantrum

>>26084167
Contradictory post. You're going to end because you are not the first in anything anymore. You're a sad broken race, not even worth hating.

It's expensive because it's a reliable investment, people with more money than you need to protect their capital, retail banks can print money for themselves when they give out a mortgage loan, the reliability of investment vehicles is declining because the rate of change is accelerating and the concentration of capital is increasing.

It's also expensive and always going up because property owners are incentivised to keep it that way and they are the people wealthy enough to bother making political donations. Historically that was homeowning families supporting cunt tories who promised to protect their neighbourhood and therefore property value from muh foreigners and criminals. Now it's increasingly corporate entities that own the housing stock plus a few global-level anomolies like royalty and oligarches who can stash their stolen wealth in UK property. These entities are large enough to capture the whole political divide, which any smoothbrain can tell is quite clearly fucked and presents no credible alternatives to the howling fucktards who show up on tv to repeat made up nationalistic bullshit to entertain and relate themselves to the plebs who dimly remember hearing this shit in primary school and think it somehow has something to do with their identity

>>26085971
This, but it's mostly zero interest rates and massive de-valuation of the currency via QE. How more people don't realise they are being robbed by central bankers I don't know.

>>26086068
>How more people don't realise they are being robbed by central bankers I don't know.
jew controlled media and education system

>>26066569
That's price to pay to live with smart and good people.
Here in my second world shithole it's horrible.
People are mostly ape jackals.

>>26086147
>That's price to pay to live with smart and good people.
i can tell you've never visited the UK nor interacted with the average UK citizen

>>26084916
Do an electrical apprenticeship lad. Community is what is lacking in today's day and age. You can bag them out pretty quick over there I've heard. Do this and then move to Australia to a city outside of Sydney. It's a no brainer m9

>>26072350
how did your salary increase so fast like that?
did you switch to another field?

>>26074536
How is this any better than a caravan? It's actually worse desu, you're basically signalling to every irish traveler in town that you're an easy target.