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This week in the ONLY agenda-free UK Property and Macroeconomic roundup:
Real-time market performance and insights
The follow up on the REAL housing situation – looking backwards, and in real time
Halifax’s house prices as they accept defeat in their bearish predictions, as quietly as possible
The PMIs for August – good news overall
The BBA rate – reversion, and the lowest print for a while (which is still one that takes the breath – and the profit – away)
A solid week for the gilts – for the borrowers…..
And then……
Following on from last week, a deeper dive into the source data for housing in England, the real number of rental units in the private sector, and where the TRUE root cause of the problem lies – not just in the PRS, but in English housing in general.
What you know at the end is – even if there is to be a fix to the mix of problems, we will be Keeping Calm and Carrying On – Don’t fear Kier
Enjoy
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3 Comments
The time from 1k – 2k subs is going to be a lot quicker than 0 – 1k.
Very soon you will be able to start creating private content for members for your channel for a small monthly subscription. As your content has much more value than most of the entertainment content out here, I expect you will have a good uptake in members signing up through YT.
Maybe OF is an option too. Because surely everyone wants to hear some statistics right after (or before) being entertained 😂😂😂
46:47 I've never understood why people want to hold out when there is sentiment about interest rates going down, surely it's also priced into the longer term swap rates?
Hi Adam, really enjoyed the supplement as always.
Stress testing residential mortgages was scrapped back in 2022. Conveniently…
I could bang on all day about policy in this space.
The 95% mortgage point was interesting too. I remember the original mortgage guarantee for 95% (or help to buy 2) being binned by some of the lenders around 2015 because they realised, the premium they were paying for to government to underwrite the “risk” was extortionate. They adjusting their scoring and affordability and absorbed that risk themselves.
Help to buy equity loan is an interesting one, I think it was/is a great concept but poorly executed.
Developers over utilised this scheme to sell executive homes (I wonder why) where people could already afford a significant deposit but “why not take the interest free government loan for 5 years and have another 20% deposit from them to really reduce your mortgage payments in the short term”