Covid-19 Bounce Back loans for property businesses16:06 PM, 5th May 2020
About 3 weeks ago 46
Well I am making another programme this week! All those folk who are getting upset should be aware that the real problem is that there is simply not enough homes in the South East for everyone who needs a home to have one.
Until such times as HM Government builds a further 4 million homes there will be a shortage. If there is a shortage the economically disadvantaged will go without. Someone has to go without all the time there is a shortage. I cannot see that shortage being abated in my lifetime and I plan to live until 100 years. I am 71 in three weeks time.
Housing needs to be built near Employment Centres. Those critical say the Private Sector Landlord (PSL) should do this and do that for those on Housing Benefit (HB) or disabled or are battered wives.
It is unrealistic for the Government to think it can rely on the PSL to stand in the shoes of the Local Council which has the “Duty of Care”. That does not mean the PSL does not care. Simply the “Duty” lies with the Council.
What folk have to understand is that the average PSL has just one Buy To Let (BTL) property. There are a has number of PSLs with just a single property where the average length of Assured Shorthold Tenancy is 4½ years duration.
The real problem started in 2014. It would seem 50% of the private sector had the same tenant in situation that they have now. It is their one and only BTL property. Is anyone seriously suggesting that the PSL should disrupt that tenancy to take a more needy tenant? We have to live in the real world. If the tenant pays the rent and looks after the house that is all the landlord asks. He is not going to disrupt the tenancy.
Last night there was much in the media about Domestic Violence. I had always been very keen to help victims of Domestic Violence, but the problem is not the abused wife. but in my experience, the Councils and the Delivery of Housing Benefit.
It is particularly difficult for Councils due to the fact that the abused lady seldom has her paperwork with her. Try telling the mortgage lender that you cannot pay the mortgage, because the Council has not paid you the HB. The Lender will say then do not let the house to those on HB or to battered wives.
The real answer will surely occur to Boris which is very simple indeed. The female remains in the house (i e the Victim) and the male leaves the marital home. There is no duty of care for the single male. The vulnerable person is the battered wife and the child(ren).
I do very much hope that when Boris has finished with Brexit he can turn his attention to both Housing and Domestic Violence. The only quick fix is to build 4 million new houses! That will take 30 years! Where do the people live in the meantime? Ask Boris.
Housing Warehouses serve a need, but are not a substitute for a two-bed terraced house. Little children need a lawn to play on.
The population, as a whole, needs lots of small houses. Developers like to build large houses. Too many windows and not enough front doors!
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