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Landlords rent at market values .... welcome to the capitalist world. Given the state pension in the UK is around £113 a week and if you add around £200 per month for a standard private pension how would you pay rent and eat and heating and council tax with around £800 a month ? Landlords...

Putting aside the yields bit of the BTL as that's a whole different minefield ..... the normal consumer has no ability to buy their home via a government loan. So instead they are tied to the general market .... most of which offer fairly similar interest rates .... many tracking the base rate...

You're probably correct HT. Please could you answer me one question though, and it came up during a discussion at work yesterday and nobody knew the answer, given Germans like renting, and indeed I believe a majority actually do rent, how do they afford the rent and live after retirement ?

Pot, kettle and black.

OK, I'm wrong. Now comment on how the two graphs I posted ( and I could do similar ones for the 90's and 00's if you like ) have ANY correlation between each other at all ?

OK :thumbsup: I'll sell my two homes and 5 BTL's because I don't understand the housing market :facepalm:

I'm not sure how your post backs up his 'low interest rates push up prices' argument ? What you've described is a lack of supply. Yes, well done, if you don't have a decent argument then almost invoke Godwin's Law .... but only just !

I utterly agree .... too many nimbys and as BHA fans we should know all about them. It still doesn't deflect from the fact that low interest rates do not make for higher property prices.

Let's review it shall we ? You said low interest rates were the reason for high property prices ? Yes or no ? Then you said this ... "The property prices follow the interest rate adjustments" ... about the 80's Yet the figures show that interest rates rose erratically ( up down up down )...

Look, I get that the younger generations are bitter ( and rightly so ) about how much housing costs BUT it is NOTHING to do with interest rates. It's basic economics - less supply and up goes the price. We need to build more ..... much more .... in fact HUGE amounts more. So you can ignore the...

But your first post is utterly disproved by the graphs I posted. As I said, you're talking absolute rubbish.

There, there, nurse will be along soon with your medicine.

Really ? So with politeness, where was the "price fall" ??

Rubbish. Now go and produce your graphs over the 80's period - property prices still rose above inflation despite very high interest rates. It is pure lack of properties and greed that produces the high property prices. I'd have a guess that a vast majority ( 95%+ ? ) had the property they...