Author Archive

What creates rental value?
Lets start from basics and set the bigger scene later. Its the most reliable method, from which to make secure deductions.
Lets assume that most people would put, having a roof over their heads the whole year round as being a high priority.
Also, for the time being, lets ignore the concept of [...]

I’m not being angry and not trying to be controversial when I say that the Government should look into the whole debacle on house prices, and make agents more financially responsible, whenever they get their clients’ house prices patently wrong.
We have seen house prices seesaw over the past couple of years and are likely to [...]

Can one teach the other, any lessons? Here is the definitive explanation.
Background:
The government excludes housing costs from the measurement of inflation because:
The primary tool for regulating inflation is the the interest rate. If they included housing costs, the substantial part of those costs would be interest; which would (in extreme circumstances) cause a spiralling [...]

The asking price mis-match simply need not have happened.
The best attitude to borrowing is one that is fiscally conservative, i.e. one that is reactively prudent, in terms of how much you need to borrow; whilst being fully aware of the line of repayment and the level of interest involved in that repayment.


People, advised by agents, [...]

Rightmove have recently confirmed that many houses ARE overpriced, meaning the market will not and cannot pay these prices.
People, advised by agents, are doing themselves irreparable harm by not getting shrewd advice on how much to ask for their properties. Rightmove are correct to highlight this – in the interests of all selling clients.
With the [...]

Things need to be tightened up in the housing market, if house price rises are not to adversely affect the UK recovery.
A valuation hallmark requirement must be applied to agents valuing houses for sale in the UK, as part of the macro-prudential regulations about to be considered in the financial sector.
It would serve to bring [...]

Realising the importance of what is done next in Downing Street, we have written a short technical paper outlining how the housing market may effectively be improved to benefit the majority in the house-owning community.
One of the main problems facing government in the immediate short-term future is to find a way of keeping the housing [...]

The whole way estate agents appraise property needs to change, to get the market turning over houses faster. Whats happening right now is sellers, as well as estate agents and even the Government all want to stoke up house prices beyond current market sustainability but inflation will be the end result and this will defeat [...]

If the housing sector is to become an integral part of the main UK economy, there have to be root and branch changes in the way houses are firstly valued, and then sold.
If these changes are not made, the status quo will simply continue, i.e. booms followed by slumps in house prices on a cyclical [...]

I thought I’d take the liberty of writing to The Government recently about the current suspension of HIPs. (My initial contact email was sent on of 17th May )
The reason for my concern is to question whether HIPs are being mistaken for red tape? Many argue that they are in fact beneficial and not [...]