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Why Are House Prices Not Crashing? 

Damien Talks Money
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UK house prices rose last month, defying months of predictions that the market would collapse. What is going on?
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7 сен 2024

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Комментарии : 719   
@brootusx
@brootusx 10 месяцев назад
So.. are we just not going to discuss the prime product placement?
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
Haha i see how it looks like that.. You probably wont believe me but it 100% is not product placement, there was another section I cut out the video because it had an error in it that gave context to the prime (scroll below you will see comments about it) My sons like prime, I can’t stand Logan Paul because of the crypto zoo thing. I will pin this comment as I am sure a few people will wonder why there is a random bottle of prime in the video. Maybe me claiming my distain for Logan will prove it is not paid promotion.
@wololo4761
@wololo4761 9 месяцев назад
I don't think Prime rely on personal finance channels for publicity tbh...
@brootusx
@brootusx 9 месяцев назад
@DamienTalksMoney I'm so used to seeing adds for it now, and it is in premium eyeline locations in every shop. It's made me so cynical that I just can't believe anyone actually drinks it. I'm glad you cleared that up and pleased I was mistaken.
@PowerboatTraining
@PowerboatTraining 9 месяцев назад
So not only do you want to have access to Damien's IP, you also want to ensure he can't make a few bucks from it. So what even if it was a product placement. Petty people like you are exactly why content creators get exasperated and give up.
@user-fq2cf6xf2s
@user-fq2cf6xf2s 9 месяцев назад
​​@@brootusx I don't think many people do, in Europe anyway, judging by the hundreds of pallets of the stuff I see advertised for sale, cheap, because it's going out of date 😁 I had no idea it was anything to do with Logan Paul though. I also have no idea who Logan Paul is though.
@kaylawood9053
@kaylawood9053 9 месяцев назад
I feared a housing crash due to people buying homes above asking prices with little equity. If prices drop, affordability and potential foreclosures may arise, worsened by future layoffs and rising living costs. I want to invest more than $300k, but I'm not sure on how to mitigate risk.
@roddywoods8130
@roddywoods8130 9 месяцев назад
Hi, please could share more insight for someone who has been in the red for too long? Also I could use some referral, how do I reach the expert that assists you? Is she consistent?
@Norf.F.C.Zoomer
@Norf.F.C.Zoomer 9 месяцев назад
Yeah must be that and deffo not importing over a million people every year...
@bandolero5068
@bandolero5068 10 месяцев назад
You cover complex, boring but essential topics and do so in an informative and effective way. You’re a very gifted communicator, Damo, power to you.
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
Thank you so much, this is lovely feedback! Honestly I needed to hear this
@kw8757
@kw8757 10 месяцев назад
Not boring to everyone. I find it educational and insightful and puts things into perspective for me.
@bigboldbicycle
@bigboldbicycle 10 месяцев назад
A lot of people still on low fixed rate mortgages, more and more will come off them and that's when it will hurt. Mine is expected to go up by over £300 next spring.
@Law24809905
@Law24809905 10 месяцев назад
Centre bank digital currency is far more worrying for all of us.
@stuartfitch7093
@stuartfitch7093 9 месяцев назад
Before I ever became a first time buyer, many years before I bought my own home, when I lived at the family home with my parents, I worked full time and though it was a low paid job, I paid my parents a small rent and after that saved every penny I could to put towards a good deposit on my first home. I saved a hundred pounds here and there for over ten years. Then finally at the age of 34 I decided to buy my first home. It was at this point that the wisdom of what I had done became apparent. I managed to buy my three bed semi detached house with such a high amount of deposit that the outstanding mortgage amount is so low it runs out at a current repayment of £250 pcm. Plus I have a single person mortgage despite only being on a wage of £28k per year. My advice to anyone young out there is to think of your future early and start saving deposit money asap towards your own home if that is your goal. It is no good taking on a 95% or 90% mortgage on a £300k+ house.
@adsadam1
@adsadam1 9 месяцев назад
INVEST the money, saving isn't enough
@johndover3626
@johndover3626 9 месяцев назад
Yes, but, invest in what? It's a very big but.@@adsadam1
@jeremiahpoole6526
@jeremiahpoole6526 9 месяцев назад
What was the price you paid then?
@mssbed
@mssbed 9 месяцев назад
whats wrong with taking out a 90% mortgage on a 300k house if you can comfortably afford the repayment? dont be short sighted not everybody earns 28k at the age of 34
@withwilk7473
@withwilk7473 9 месяцев назад
​@@mssbed enjoy making the bank rich and staying poor lol
@stuontwo677
@stuontwo677 9 месяцев назад
The reason prices aren't falling is the same reason that house prices have gone up for decades, demand outstrips supply. I know demand has reduced but there is still a huge lack of supply.
@garylake1676
@garylake1676 9 месяцев назад
Also, the build costs have gone through the roof, (no pun intended), so not enough new stock coupled with high build costs, means prices head north.
@jjefferyworboys8138
@jjefferyworboys8138 9 месяцев назад
@@garylake1676 Agreed and more people in search of homes should also head North, where they will get much more for their money.
@malcopopolo44
@malcopopolo44 10 месяцев назад
Having listed twice this year, buyers are offering 15 to 20% below asking prices even if reduced to reflect downward trend. My home is outright owned. You are right I can wait several years so I am not motivated. The knock on effect is that there are not many homes available to purchase. It makes sense for some people to wait.
@stevep8321
@stevep8321 10 месяцев назад
If you sell at 15 percent below and then buy at 15 percent below then you can get on and move without loss,provided you are not buying a materially cheaper house (where loss on yours would be more than saving on next)
@Carl-hs420a
@Carl-hs420a 10 месяцев назад
The trend is that first time buyers don't want to be spending hundreds of thousands on a property they are unlikely to pay down, let alone pay off.
@hachimaru295
@hachimaru295 10 месяцев назад
Its buyng the right home too- not easy when you see houses 100k more expensive but worse than the one ur selling. Just because its nearer a station or city centre etc
@EamonCoyle
@EamonCoyle 10 месяцев назад
I wouldn't worry about going too far with editing of your videos Damien. I watch you because you are real and talk sense !!
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
Thank you Eamon really reassuring feedback this.
@hachimaru295
@hachimaru295 10 месяцев назад
hear hear!
@antnfs
@antnfs 9 месяцев назад
Agreed, you do a sterling job but if taking some pressure off by outsourcing is viable and helps you create the same level of content with an improvement to quality of life then I’m all for it, really valuable resource.
@AT16
@AT16 9 месяцев назад
2 years ago, experts said prices were going to CRASH. I said they were going to be wrong back then. People said we were stupid for buying a larger house at the “peak”. Guess what…except for rubbish homes that were selling for a huge premium 2 years ago simply because nothing was on the market, good homes have stayed stable or seen growth. Never bet against the housing market. If 2008 didn’t kill it, then nothing will.
@radicaljohn1
@radicaljohn1 10 месяцев назад
Not many people understand but the price to build a house has doubled in the last two years. There isn’t going to be any affordable homes unless the government pays for them. Every single developer is renegotiating their 106 because the costs don’t stack up. The new building regs are extreme and will add another 15% to build costs. Utilities have trebled in the last year. Funding costs have doubled over night. None of these higher costs are going to return back. House prices will double in the next five years.
@oktfg
@oktfg 9 месяцев назад
Situation isn’t helped by politicians like Starmer nostalgically lionising his parents experience of receiving an affordable property in the 1970’s and thinking he can naively do the same. Skipping over the inconvenient cost of full fill cavity insulation to walls, roof and foundation that where not required in the 70’s along with other costs such as CIL and the incoming nutrient neutrality.
@twigish9508
@twigish9508 10 месяцев назад
Buddy I am not going to watch the full video but I am going to say this. The true reason house prices are not and will not fall fast is because all us sellers are in the same boat we can not go lower until other houses drop in price to buy after this one BUT that is the same for the other people selling so everyone is in a stalemate no one can afford to take less for their house if they can not buy a follow on property pretty simple really.
@Norf.F.C.Zoomer
@Norf.F.C.Zoomer 9 месяцев назад
I for one am shocked that importing over a million people a year causes house prices to increase. No one could ever have predicted this.
@bobodyuknow
@bobodyuknow 10 месяцев назад
Respect the lag. Markets as liquid as housing have huge inertia. They will collapse, just a matter of time. Inertia also carries price further past the meme so expect a better discount. Unemployment will be the driver
@DanKohan
@DanKohan 10 месяцев назад
The whole idea of motivated sellers and the comparison with overpriced coconut water is so relatable. It's crazy how the average prices can be deceiving.
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
Yeah mate you think you can trust the average but actually consider how hard it is to say what ‘average’ is when it comes to houses
@hachimaru295
@hachimaru295 10 месяцев назад
I laugh at some of the clearly rip off chancer prices even on Amazon. I bought a roof cover for a robot mower for 50 and another guy wants 170 both on amazon tsssk !
@philipwild6347
@philipwild6347 10 месяцев назад
You are by far the most informative youtube channel on topics like this. You explain things so clearly and without bias. I know I can always trust your perspective. Keep up the great work and thank you very much.
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
This is such good feedback thank you!
@pmr01
@pmr01 10 месяцев назад
i agree with you....great content.
@user-mq2kt1kx1c
@user-mq2kt1kx1c 9 месяцев назад
I totally agree, exactly what I was thinking and I’ve watched a lot on RU-vid. No scaremongering just facts and a sensible explanation, no bias or speculation, just his honest view given the facts. 👍
@jivebunny3765
@jivebunny3765 10 месяцев назад
I live in a small village in national park. Houses here usually sell within 2 weeks of going up for sale. There are two good quality 3 bed houses, both renovated, both with views across open countryside, that have been on the market for 7 months. One is grossly overpriced, but the other is an absolute steal at £300K. No interest. People now can't afford £250K+ mortgages at 7% rates, and sellers are so used to sky high prices, they're unwilling to sell considerably lower. No doubt some of them won't be able to afford as they'd find themselves selling for less than their current outstanding mortgage.
@captainshivers
@captainshivers 2 месяца назад
I for one like the fact your videos are not edited to death with flashing unrelated glossy distractions every 3 seconds. Just keep it real man. Great job!
@WolfetoneRebel1916
@WolfetoneRebel1916 10 месяцев назад
One of the main reason housing hasn’t collapsed, as you mention, is that unemployment hasn’t risen alongside interest rates. Even the modest unemployment raise is usually with the younger generation who aren’t home owners to begin with, and likely weren’t potential buyers anyway. Because older homeowners aren’t losing their jobs - that reduces supply.
@liamsheridan3814
@liamsheridan3814 10 месяцев назад
My mate works in weinerburger brick factory up north and they usually hold around 6 million bricks per week with the maximum around 24 million they now have stock piled around 15 million and they told everyone in the factory they are getting laid off in January and are switching off two of the kilns cause they make more money selling the gas back to big gas companies, builders can’t afford to do developments because of the inflation which all this effects the supply people think houses will crash but knowing this I can only see them increasing! There needs to be radical change from the top down to the way we think about housing
@Randomukperson
@Randomukperson 10 месяцев назад
I think the numbers have yet to come through for unemployment. Certainly for my employer they're shedding most of their contractors and consultants. This is now feeling free with the likes of PWC and the other major Consulting firms beginning to cut their workforce. The major impact of unemployment will only just begin to kick in.
@Randomukperson
@Randomukperson 10 месяцев назад
​@@liamsheridan3814my guess would be is the likelihood of this, is it will force house prices up even further if there are no new ones are being built and the population is expanding at the rate it is
@hachimaru295
@hachimaru295 10 месяцев назад
@@liamsheridan3814 intresting insight into new builds
@pawelk1020
@pawelk1020 10 месяцев назад
it will come unfortunately. My company said that they won't hire anyone until 2025
@KM-pq7sr
@KM-pq7sr 10 месяцев назад
If you factor for inflation then house prices have already come down a fair bit. But we don't want the actual headline prices to fall much otherwise a lot of people will be mortgage prisoners and that will mean the whole housing and construction industry will basically grind to a halt along with jobs.
@lostinbravado
@lostinbravado 10 месяцев назад
I've been watching this for 30 years. No crash coming. Just a slow down and slight decline before another massive price jump. I mean, which governments are looking to produce an oversupply of housing? None. Any increase in supply is temporary at best. Governments are motivated to ensure housing remains a good investment. This is what voters who matter want, such as those who own their home outright. Politicians pay the poor and those without homes lip service while making decisions which ensure that housing prices will remain unreasonably high globally. And as long as we have humans in charge this is the way things will continue to be. The only real way out of this is through a painfully slow process of increasing density. If you think we can force things to be different, then you should be aware that we've already tried in modern times. China is the example of what not to do. You can't force this issue while humans are in charge. As long as humans are in control, we're not seeing any housing crash any time soon. Not except for wars, disasters, and small pockets which experience temporary change. But also, people will keep predicting a crash. Month after month. Year after year. "No really guys, the crash is coming this time! So get ready to buy that home you gave up on!"
@Marksavillmortgageadviser
@Marksavillmortgageadviser 9 месяцев назад
I have seen so many crashes predicted and the sad part is it puts some people off buying. Roll forward and years later they are still paying rent because the crash never materialised and suddenly prices have made the purchase unaffordable for them.
@centerfield6339
@centerfield6339 10 месяцев назад
I know it's a contentious topic, but it would be good to have a video that considers the effect of net immigration on house prices.
@razhazel1233
@razhazel1233 10 месяцев назад
True. He mentions demand and supply... but not the 500k net migration into the UK propping up demand
@melc900
@melc900 9 месяцев назад
Yep. It's a key component
@paulmessenger9836
@paulmessenger9836 10 месяцев назад
Houses can't reduce in price when the value of your currency is decreasing
@268dar
@268dar 10 месяцев назад
This is an interesting point, in dollar terms the market has already crashed
@oktfg
@oktfg 9 месяцев назад
Exactly, tho most folk who where born or who live inside the U.K. fail to realise this simple economic fact has become for better, or worse ‘normalised’ for the last 45 years. Gradually expanding easily available credit to compensate, and observance of the rule of law has allowed the U.K. to avoid becoming a European Argentina
@Jdmess9
@Jdmess9 9 месяцев назад
/\ your mate down the pub
@268dar
@268dar 9 месяцев назад
@@Jdmess9 It’s nice to have mates 👍
@jamesstilwell26
@jamesstilwell26 9 месяцев назад
Can, and have many times.
@jonh7054
@jonh7054 10 месяцев назад
If a property is selling at the same price it was 2 years ago, then it has dropped in value by significant amount, because of inflation. If everything has gone up by 20% over the last 2 years, but properties have remained the same price then they are 20% cheaper than 2 years ago.
@haveyouseenitthough
@haveyouseenitthough 10 месяцев назад
Anecdotally I’ve seen more and more reductions showing up on Rightmove in the area I’m looking to buy in. My thoughts are sellers are holding out as long as possible to eke out the last of the market highs I have relatives that were pressured to sell this year when getting their place valued to sell next year so I think estate agents know what’s coming as well. Hard to tell buyers their 3 bed is not worth half a million though
@Carl-hs420a
@Carl-hs420a 10 месяцев назад
You don't know how right you are. Ever since the Credit Crunch, house prices went berserk and have been inflating crazily ever since, and are yet to correct. They will correct hard.
@steeldoubloon19
@steeldoubloon19 9 месяцев назад
@@Carl-hs420atbh most of the price increase has been since 2019-20 if you look at the historic indexes. It’s likely directly linked to the money printing over covid be that quantitive easing or borrowing because if you look at the historic money supply the recent changes in both seem correlated. A bit thing to note is apparently the money supply is decreasing so the crash is still to come
@MrDanbowz
@MrDanbowz 10 месяцев назад
Your forgetting the government kicked the can down the road by having at least a 12 month delay before repossessions process can start. This is the sole reason why house prices haven't fallen off a cliff but as the time moves on and the economy doesn't improve there is going to be a tidal wave of repossessions coming. By 2025 I expect to be in the middle of the crash think it's way too soon to say why haven't house prices fallen because everything takes time.
@Godonstilts
@Godonstilts 10 месяцев назад
143k subs and growing, and now looking for an editor! "Look at my boy, he's grown up so fast!" - I remember being here right near the beginning, when you had less than 5k subs! Well done chap. Keep it up.
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
You are a legend for watching my content for that long! Some of the older video were a bit ropey haha
@Godonstilts
@Godonstilts 9 месяцев назад
@@DamienTalksMoney - Ropey, sure, we got to see who you really are. Keep it up - love from the TungstenCrumpet.
@josephwardley9727
@josephwardley9727 10 месяцев назад
Sign of a successful RU-vid channel enough money to invest in an editor 👌 nice going, can't wait to see how it evolves
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
Sign of a man who is struggling to do it all himself lol, i will only take on an editor if i think they can improve the channel (which i don't think will be hard) then leaves me to focus on the important stuff which is research and scripting
@mda99das
@mda99das 10 месяцев назад
I want to buy a BMV property and looked at 3 auction houses in Oct and Nov. I saw ZERO BMV deals and a lot when way above. Until the liquidity is drained there will be no crash
@connorg7930
@connorg7930 10 месяцев назад
I think the higher prices during covid play a massive part in why current prices arent falling. People who bought over priced houses 2/3 years ago that are now having to sell, will not accept making a loss and therefore holding out, to at least break-even to get their deposit back and pay off the mortgage. I went to view a house listed for £135k which has been up for 5 months, they would not accept any offer below this and after looking at sale history they had purchased the house for £132k in 2020
@ontheslide2339
@ontheslide2339 10 месяцев назад
​@@andymaidment111 willing it to happen doesn't make it true...
@ItsMe-co4bj
@ItsMe-co4bj 10 месяцев назад
@@ontheslide2339comments like Andy’s make me laugh……bless them ! 😂😂😂 that age bracket act like they’re the first ones to have it difficult to get their first home……they’ll grow up at some point hopefully !
@MegaCraigh
@MegaCraigh 9 месяцев назад
Damn hasn't considered this. I did notice where I live in the South West that a hefty chunk of houses were last sold 2-4 years ago. Never came to a rational conclusion as to why but this makes sense.
@muzzer8869
@muzzer8869 9 месяцев назад
@@andymaidment111are they ek
@patr_oana
@patr_oana 7 месяцев назад
100% noticed this in and around London too.
@MrHammerling
@MrHammerling 9 месяцев назад
Just bought my first house this month. I expect to lose some value in the next year or so but I think it'll work in the long run. People living longer, people living apart longer, 500k immigration into the UK last year, gov under delivering on new homes. I also think cheaper first homes are going to be less susceptible too price volatility. A necessary good rather than a luxury. That being said, during the viewing process I saw so many people overpricing their houses because they bought it brand new at a premium in 2019 and didn't want to realise a loss
@chrisl.9750
@chrisl.9750 9 месяцев назад
it won't lose any value next year, start tracking the value growth. it will happen. besides, you'll build equity by paying off the mortgage.
@rebeccagrundy5987
@rebeccagrundy5987 9 месяцев назад
I wouldn't worry about devaluation, wage increases are going to prop the market up, rent is so high buying is the sensible option which will keep the market at least steady for now.
@egs1567
@egs1567 7 месяцев назад
Net migration (immigration-emigration) was actually 745k last year too so even higher than you thought. Inflation will massively prop up incomes too as people get pay rises. These two things together massively boost demand and purchasing power. As soon as interest rate pressure declines expect the market to rocket off again.
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
Apply for the editor job: forms.gle/HkxhKzWUDtUuqv9p7
@duncanridgley6261
@duncanridgley6261 9 месяцев назад
Sounds like you live near me. I am 300m from the beach, commuting distance from Liverpool and Manchester too. Bought in 2019. Has doubled in value, but more importantly, my return on investment is around 50% a year. As you say " know your local market" is good advice. The rest of the country doesn't matter. Can help with the video editing, will fill in your form :) Keep up the great work. You are way better than any fully loaded TV production on the economy.
@liemarzac
@liemarzac 9 месяцев назад
Great work. I very much appreciate your balanced analysis. Especially the last part when you say that the only market which matters is the one where you live or want to buy.
@Ivan-fs7go
@Ivan-fs7go 10 месяцев назад
When you realise you should bought property after the 2008 crash instead being 9 years old
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
🤣🤣🤣🤣 this comment
@Gr0nal
@Gr0nal 9 месяцев назад
I was 12, I had no excuse.
@michaeledwards8079
@michaeledwards8079 10 месяцев назад
in the long term providing you have impartial professional advice buying is always cheaper than renting and once rates have decreased fix for 10 years so your cost is fixed, unlike renting where the rent goes up annually and your landlord can evict you by pretending to sell
@Sal0Alo
@Sal0Alo 10 месяцев назад
too much hassles dealing with houses for renting. I just care for the one I live into, and since I need a roof, I am not particularly stressed about market fluctuations.
@jjefferyworboys8138
@jjefferyworboys8138 9 месяцев назад
Unless you have a large enough portfolio that you can afford to have others do it for you.
@DJWHITE_
@DJWHITE_ 10 месяцев назад
I look in my area of interest and almost all properties look like they were owned or are owned by elderly people. Very few new build and renovated properties.
@andytrace
@andytrace 9 месяцев назад
The reason prices haven't come down yet is because the delay in data. We had our offer accepted in July but we're only going to exchange 30th November, so our house price wont be in the data until the end of the year. I think we're the last wave of people paying full price, the house prices will officially start falling over the next 3-6 months when sales agreed from September onwards start to complete.
@user-og7jg4js6u
@user-og7jg4js6u 9 месяцев назад
Officially, we will see declines until March 2024, and then an increase. Prices will go up after the Autumn Statemant (possible Stump Duty cut) and the movement will start from mid-December when the bank rate will be closer to 4.5%
@boombustinvest
@boombustinvest 9 месяцев назад
@@user-og7jg4js6u ..but that is all conjecture and 'possibles' though. You can guess that that it will pan out like you say, but nobody really knows.
@willis8907
@willis8907 8 месяцев назад
I've been looking for a house in the north west and we noticed that there are loads of houses for sale in all the seaside towns. Our theory is that a number of people have looked at sea level rise projections, and they've decided to sell up while they still. My parents live in the river valley in Preston, and they've already had house insurance companies being funny about insurance - potentially those on the coast have experienced something similar.
@joshhall1708
@joshhall1708 10 месяцев назад
You need to have a look at the listings you show for prime, that was a 12 pack so only slightly overpriced compare to supermarkets which is fair for an amazon seller really
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
That’s a "prime" example of me not reading the title properly… If you look at the third listing down, you will see 2 bottles for £18, which is the one I should have used. I hope the example still makes sense. One of the main reasons I want to get an editor is to have a second pair of eyes to spot silly errors like this.
@HannahQueenOfAir
@HannahQueenOfAir 10 месяцев назад
heh 'prime' example lol@@DamienTalksMoney
@KillingTime1986
@KillingTime1986 10 месяцев назад
​@@DamienTalksMoney hah, I see what you did there.
@caffinemc1
@caffinemc1 10 месяцев назад
This is the honest of Damien, he’s happy to highlight a mistake and pin this post, Sometimes we miss things. Keep up the content creation Damo - complex topics in laymans terms is invaluable for investing today. 🤘
@kristian4850
@kristian4850 9 месяцев назад
When the price of something doesn’t go in the direction that it ‘should’, it is providing you a very valuable piece of information. Probably best to step back and listen. U.K. house prices are about to go off to the races.
@kateband8213
@kateband8213 9 месяцев назад
I wish we could see an average house price excluding London. Including it skews the numbers massively.
@ilikeboringthings9
@ilikeboringthings9 10 месяцев назад
Good analysis. Nice one Damien. We've currently seen a nominal fall of approx. 5% and a real terms fall of about 15%. The central case is now a peak to trough nominal fall of 10-12% and a real fall of 25-30%. It would take a major recession to see a 30% nominal fall.
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
Yep agreed, I said 10% a long while ago nominally and I think most people miss the ‘real’ impact when discussing property
@snowman2970
@snowman2970 10 месяцев назад
Actually if you take inflation into account the £ is losing 8% or so a year in buying power, so even if prices don`t change over a year house values will have fallen in line with inflation.
@jjefferyworboys8138
@jjefferyworboys8138 9 месяцев назад
Property is brought with £'s, you can either afford it (may need a mortgage) or you can't.
@TheRickDickinson
@TheRickDickinson 9 месяцев назад
Biggest thing you're missing, is the devaluation of currency. If your house price hasn't increased by the rate of inflation, it has devalued.
@Romans12_18
@Romans12_18 10 месяцев назад
My observation, folks in one state sell their million dollar acre and move where acres are cheaper. Real estate agents in new states fleece "out of stater" by raising property prices double which seems fair to million dollar acre guy but sucks for locals looking to buy who knows prices are inflated. Oklahoma real estate agents are bad about this!!
@d0m96
@d0m96 10 месяцев назад
Very well balanced video. The analogy with Prime was brilliant and the way you've explained how the number of transactions can affect the average is better than anyone I've seen so far. Keep up the good work!
@Hixyboyblue
@Hixyboyblue 10 месяцев назад
This has to be one of the best, if not the best, objective, balanced and unbiased overview of the current state of affairs within the property market currently available online. It is clearly on a gradual slide and is likely to continue given the BOE narrative and recent economic activity across the nation. But that doesn't mean it is all total doom and gloom as the crash wannabees report and neither does it mean there will only be a 5% nominal drop from top to bottom as reported by those with a biased agenda due to their participation and reliance on a solid property market. It is always best to become an expert in your area and use a variety of sources to help inform you of important decisions. I don't know what will happen but my best guess is that 2024 will, overall, be worse than 2023 for most people as the coming year is when I believe we will see more company failures, less availability of jobs, more people losing jobs, rate rises really biting and the butt of overall financial failure before recovery begins its slow path from 2025 onwards. The snowball has not stopped rolling. It might even just be starting to accelerate before a thaw sets in properly. It is good to see balance. Well done.
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
You summarised my view of thing better than i did thank you very much for getting involved in the comments.
@jasonaris5316
@jasonaris5316 10 месяцев назад
The main reason is the government has pressured lenders to not repossess houses (previously a lot would be in the courts by now)
@skiiddy
@skiiddy 9 месяцев назад
Not BTL borrowers. That could be the “sub prime” moment. In the US, it’s commercial mortgages and auto finance that’s creaking and could cause huge losses for banks. It’s expected that the FED will have to resume QE and reduce interest rates rapidly. Too little too late is the likely outcome.
@garethwilliams4467
@garethwilliams4467 9 месяцев назад
that's true. Now banks don't want to repossess your house, it simply wouldn't be "woke" in this ESG era, Compare that to the nineties when they were hungry to reposess. The chancellor has introduced rules that they cannot even start repossession proceedings for 12 months
@lindseyscott3011
@lindseyscott3011 9 месяцев назад
This is the problem with the folk that say ‘that’s why it’s an average’. Normal houses (2 to 3 bed) outwith the south east are not dropping from what I see. I bought a new build in 2016 for 250k. Same house type is being sold on an estate other side of a small town in Scotland just went from 300k to 330k due to build costs. Ex council or smaller houses are selling within weeks and for above asking.
@arghjayem
@arghjayem 10 месяцев назад
01:50 in the sellers defence, they are selling it at £2.33 a bottle (£27.99 for a 12 pack) so yes he’s marked it up, especially if you include postage, but not quite the ridiculous amount you’re making it out to be.
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
Yeah bit of an error on my point (see the pinned comment) i should have used the example 2 listing down where someone is selling it for £8 a bottle.
@ciarand2823
@ciarand2823 8 месяцев назад
In a situation where the cost of food, energy, transport, and everything else is increasing, the fact that house prices are stagnant means they're falling, the fact that nobody's acknowledging this means theres a lot of people with their head in the sand
@Gmh6477
@Gmh6477 9 месяцев назад
House prices don’t crash when sellers decide to hang on and not sell until the high interest rates start to drop resulting in less on the market which keeps value afloat. And even more simply people can’t afford to move house right now again resulting in less for sale.
@bunnyfakeofforestmoon7563
@bunnyfakeofforestmoon7563 10 месяцев назад
Please don't show anything outside your window, years ago a youtuber did that and a stalker appeared outside his door with her luggage, and he lived in apartment, she could still figure out which one and which floor base on the trees.
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
I did it when it was dark! but yeah i think you are right i shouldn't be showing anything. Thank you for the genuine concern
@bunnyfakeofforestmoon7563
@bunnyfakeofforestmoon7563 9 месяцев назад
@@DamienTalksMoney I once post a photo of my cat sat next to the window, I couldn't see a thing due to the light, but my FB friend somehow adjust the light and see the corner of the photo showing tiny part of the street view and ask me if I lived near xxx... Some ppl have skills and time we can't imagine...
@saelaird
@saelaird 9 месяцев назад
This is all interest rate related, nothing more. Renters are desperate to own, and they would if the affordability was right. Owners can delay selling by renting if needed. I see the return of 95/100% mortgages being offered once wages catch up with inflation in the next 5 years. But fundamentally, I see no crash, at all. Homes are so expensive to build, and new ones are in short supply.
@mohammadcheema7375
@mohammadcheema7375 10 месяцев назад
Very good video as always. One counterintuitive factor that may be preventing a house price crash is the inflation in labour costs and materials for building. We are fast approaching a point where a £60k house will need to be insured for substantially more as it could not be rebuilt for anything like it’s current value. Professional property investors also know this and I think that is another factor stopping a price crash. As you rightly noted - the jobs market will be the key issue to watch. I’d also recommend using new car sales as an early warning system for the housing market.
@ZodiacDating
@ZodiacDating 10 месяцев назад
Didn't realise you could buy a house for £60K
@oktfg
@oktfg 9 месяцев назад
@@ZodiacDating I think he is referring to the property’s reinstatement value on domestic building insurance. U.K. lenders require borrowers to have adequate building cover during the mortgage contract, though policies are rarely scrutinised by lenders after mortgages completion causing many households to never update cover and renewing policies that over time will fail to perform given the uplift in construction costs now demanded under U.K. building regulations
@jamessmithson-br7rm
@jamessmithson-br7rm 10 месяцев назад
What are you on about. House prices have dropped 5% in the last year, things aren’t selling. It is set to go down by at least another 5% next year. In London so many prices are being dropped below this level (all the properties I’ve looked at recently are people who have already moved back in with parents and are desperate to sell. I’ve got friends who are renting where their landlord has defaulted on the mortgage due to rates and the flat is being repoed. It is really bad out there.
@SphericalHang
@SphericalHang 10 месяцев назад
You should talk to Charlie Lamdin. He has a deeper insight into what's going on. Current prices are probably lower than you think.
@smrriles5668
@smrriles5668 10 месяцев назад
He's a fool
@TheFourSatoshis
@TheFourSatoshis 9 месяцев назад
I would suggest you look into the 18.6 year real estate cycles Damien
@grahamherbert3612
@grahamherbert3612 10 месяцев назад
In my area, properties around 250-300k were selling literally in days, although since late September, prices haven't dropped, but the rate of sale has dramatically slowed.
@sese182
@sese182 9 месяцев назад
Part of it for me is the dramatic language used by the media; Prices "crash" "plummet" "soar" etc, none of which reflectthe way prices really change.
@mackieincsouthsea
@mackieincsouthsea 10 месяцев назад
Recently bought my first home and the area and condition of the property relative to list price was totally reliant on a motivated seller, they're moving into independent living accommodation and that's also made it a much quicker process than I'm sure a lot could expect. I was extremely lucky to get it, price was around 25k cheaper than next doors price from a few years ago.
@NicoleTheAlchemist
@NicoleTheAlchemist 10 месяцев назад
Unless they build more homes, house prices will continue to be unaffordable.
@versaceviper9798
@versaceviper9798 10 месяцев назад
The only issue with that is, when a new home is built they’re also built to have “premium” pricing. So you’re paying a lot more for a new build in comparison to an already existing home which pushes up the average house price even more.
@schumanhuman
@schumanhuman 10 месяцев назад
As the property hub have covered, learn the 18.6 year land price cycle dynamics and you'll understand why the last big bull run up in prices is still ahead. Next peak expected around 2026.
@schumanhuman
@schumanhuman 10 месяцев назад
@@andymaidment111 Mortgage free as it happens, which is apropos of nothing. Here' what Fred Harrison wrote in 1997. 'By 2007 Britain and most of the other industrially advanced economies will be in the throes of frenzied activity in the land market…Land prices will be near their 18-year peak…on the verge of the collapse that will presage the global depression of 2010.' UK prices peakes Q4 2007, the golbal economy saw the biggest GDP falls in 2009, not much improvment by 2010so pretty close. Rather than petty insults do some work and you'll at least come to better reasons why 'it's different this time'.
@schumanhuman
@schumanhuman 10 месяцев назад
@@andymaidment111 It's not just cycles but the data. Higher rates mean higher payments to bond holders = fiscal stimulus. That is balancing out credit stress, especially in the US where almost everyone is on 30 year fixed mortgages. The Fed have indicated they are done, inflation has come down a lot, the market is expecting a couple of cuts next year, at low transaction volumes even small cuts in long term rates bring new buyers in. For a crash you need a big spke in supply, as there was no speculative boom in construction for that to occur you need a big spike in distressed sales from unemployment, just not happening at sufficent scale and that would push rates down. Despie the price jumps post covid this was nothing like the broad based land speculation in the period leading up to 2008, if anything the cycle is going longer than average not shorter.
@schumanhuman
@schumanhuman 10 месяцев назад
@@andymaidment111 I agree the UK mortgage marekt is nowhere near in as protected a postion as the US, but there are several housing markets in a far worse position too, Canada probably at the top of the list, Australia too but prices have been rising there for the last 6 months despite predictions of a major bust. So the UK has to be more creative to push the next leg up, Hunt is offering 95% mortgages, banks are extending duration, stamp duty duts extended till 2025. Never underestimate how far they will go to keep prices rising. But it clearly won't last forever. Have to see who is right on that part.
@Alex-cw3rz
@Alex-cw3rz 10 месяцев назад
A sad statistic I learnt was that last year 19% of rent prices in London on rightmove were deemed affordable, now it's 3%.
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
Yeah i saw an article that stated a guy on 60k income was deemed "too poor" for affordable housing.
@888ssss
@888ssss 10 месяцев назад
thats why productivity is collapsing. sit back and get popcorn.
@888ssss
@888ssss 10 месяцев назад
im self employed and i am being swamped with larger companies trying to give me work because they cant find staff. but im not working like a nut for nothing, so i am only working part time. its great. im charging what i did for full time, but only working 2 days. they thought i woud want to work more, but the money is worthless and the banks too unsafe to bank it.
@christusrex334
@christusrex334 10 месяцев назад
@@888sssswhat is your job, if you don’t mind me asking
@williamavery5322
@williamavery5322 10 месяцев назад
Pocket living (clue is in the name) marketing studio flats in Zone 4 as “affordable” living for people on £80k+ salaries. Only need to look at how the ex mayor defined affordable housing.
@johnnyknows692
@johnnyknows692 10 месяцев назад
It's a spiral. People spend more on the house payment and a car payment. Then they have less money to spend it in normal things like food and having fun. Then the producers of every product that isn't house or car, cut down their production because nobody is buying it. So they lay off the workers, who now have even less money. Etc...
@TiGGowich
@TiGGowich 9 месяцев назад
I've seen house prices decrease in London lul. From outrageous prices that nobody can afford to slightly less outrageous prices that nobody can afford...
@sswan5271
@sswan5271 10 месяцев назад
2:00 explains why there's a difference between 'character properties' and normal houses on the market, the character property sellers won't reduce their price & just remove the house from the market if they can't get their price.
@davefish8107
@davefish8107 10 месяцев назад
I got a mortgage on our first home in 1978 , rate was 6.5% and quickly got to 15.4% . A few people I knew got rid of their homes, but most stuck with them. I have seen house prices go up since then , with little blips with different problems with the economy , but the housing market soon returns to the same levels. It makes me laugh that every one that talks about housing as an investment yet to most it is where you live and raise your family. I know a few people that want to move for different reasons but they have all said the same thing they will wait until the market starts to settle. House near me are still going on the market but are not really dropping in price, just taking longer to sell. The only ones that aren’t selling seem to be the high end ones ( £900,000 ) and up.
@beepboopbeepp
@beepboopbeepp 10 месяцев назад
Isn’t it too early to say? Another factor at play is that a lot of people can probably afford to just sit on the house rather than selling, so they’ll just wait with selling it until the market turns around
@srjwari
@srjwari 9 месяцев назад
I work for a private bank. Something is spooking the banks and government out. In the past 8 months the entire tone and focus has changed plus we keep being told micro economics are concerning investors as debt is increasing and savings are disappearing. They also are now seeing a surge in defaults and missed payments. But we're told we have enough to weather the storm for a short to mid term but no one is telling us what is short and mid term!
@acommenter
@acommenter 10 месяцев назад
Looking at the rise in nominal salaries, high net migration and falling yield curve, I recon there is going to be a buyer available for every distressed sale, I doubt house prices will fall in nominal terms but will instead stay put or rise below inflation.
@cad4246
@cad4246 9 месяцев назад
In my block of 18 flats in south east London only five of us are working. The rest are retired. Several have homes in Europe or the US and spend very little time here. The last four flats to sell were bought for cash, no mortgage. With their index linked pensions these people have not been affected by inflation, and their savings are benefitting from higher rates. Time to tax wealth, not work.
@Longinus-fe9tu
@Longinus-fe9tu 9 месяцев назад
The retired worked to generate ther wealth.
@baileyssoroya3200
@baileyssoroya3200 10 месяцев назад
Good video. My area, very stubborn sellers not accepting falling prices altho listed 8 months ago and not reducing prices altho’ making profit of 35k when he bought 8 years ago. When will this change never know
@stevep9221
@stevep9221 8 месяцев назад
If you are in real estate. You can uncover false reporting by the ONS on their monthly HPI Bulletins in 10 minutes. They claim a lag in reporting but that is not the case The HMRC have the sale price, the tax to be paid and the full address on the day of sale. It would take the ONS (which only has the job of reporting house gains or house loses and not recording the sale) a single click of a key to input the data into their own data base also on the day of sale. You tell me why they choose not do it?
@stewartcracknell3903
@stewartcracknell3903 9 месяцев назад
Very sensible, statistic based and honest perspective!
@Randomukperson
@Randomukperson 10 месяцев назад
Damien you raise such a valid point about the lag in pricing. I've been looking into buy to let properties as a first time landlord and one of the things that the mortgage advisor said is really challenging at the moment is the time to register a house on the housing registry. Many landlords rely on doing a house up and then remortgaging it in order to release the additional equity from the Investment. However the mortgage brokers advised that it can now take up to two years for the land registry to process house sales. Meaning that you can't remortgage the property. Without a property listed on the land registry you can't raise a mortgage charge, which may well mean the house prices being reflected or only those of properties that have been mortgaged because they need a charge raise against them.
@russellbranch782
@russellbranch782 10 месяцев назад
Your solicitor can put in a request to expedite. I suggest you read up about the process at the Land Registry website or consult your lawyer.
@brianlopez8855
@brianlopez8855 9 месяцев назад
Land Registry used to take a couple of weeks in the 1990-s. A lot of experienced staff took early retirement in the 2000s and they employed cheap muppets instead. Now its many months.
@jamesmc1272
@jamesmc1272 8 месяцев назад
Interesting, Repossessions reaches 90,000 in 1991, in those days if you missed 2 payments with the Alliance and leicester you got a court date for repossession a week before the third missed pmt was due end of. and the house I bought in 1989 and paid £30k for had dropped to £22k if you were lucky enough to find a buyer. But this was before 10 million people were forced on the great british people, so Who knows what will happen.
@rapturas
@rapturas 10 месяцев назад
Rent seems to have gone up by around £300 over the past 8 months (at least in the South East looking on Right Move). Im eager to buy or rent a niceer place but the prices keep going up.
@GuySands
@GuySands 10 месяцев назад
Look at rent levels. Up 30% in some areas. Also, look at new at new build houses. Cost a fortune due to rising costs of materials, labour and taxation. There is a basic cost to have a roof over your head, be it old or new, rented or bought with a mortgage (rented from the bank..)
@courtenaybotterill5591
@courtenaybotterill5591 9 месяцев назад
Just wanted to thank you Damien, I just opened my first Vanguard account.
@misty_mouse987
@misty_mouse987 8 месяцев назад
House prices in Exeter, Devon have remained high with a huge demand on the few houses which are being sold for slightly less
@jamesdecade
@jamesdecade 10 месяцев назад
Really great statement at the end about your own area and pseudo experts. This is why I trust you; you’re very aware of bias and how much of a game this all this.
@therickpound
@therickpound 9 месяцев назад
Unrealistic prices and seller greed has been the norm for decades, the only change is volume and that has been seasonal for the same period of time, anomalies to this were large interest hikes & current levels are not to be compared.
@stevo728822
@stevo728822 10 месяцев назад
Even 2008 could hardly be described as a property crash. Not like the late 80's.
@rude2870
@rude2870 10 месяцев назад
I agree 2008 didn’t make much of a dent in the value of my property at the time. I think it was new builds that got hit the hardest but like you say nothing like crashes in 80s early 90s
@jjefferyworboys8138
@jjefferyworboys8138 9 месяцев назад
Whilst you are right in one respect, I moved in 1996 making very little profit on my existing house which I had owned for 8 years, but brought a much larger one that previously I would have been unable to afford. That house I sold 16 years later for exactly 3 times its cost when I traded up again. Smart people see opportunities when others only see problems and reasons not to do things. I made far more money from property than I ever did working.
@vaughanbbrean71
@vaughanbbrean71 6 месяцев назад
Massive oversuppy of houses in the 300-450K bracket here in North Devon, hardly anything like that is selling, 100-250K moving, far far too many new larger houses on the market, nobody is buying them but buyers are stubbornly sticking on price making the situation worse
@NusratJabin-ui6hz
@NusratJabin-ui6hz 9 месяцев назад
Why do we only seem to report change in property prices in absolute terms? If house prices have broadly flatlined for the past 12 months but inflation run at 10% odd then in essence we have seen a 10% reduction in the real value of houses? From another investment site I saw this shown when comparing investing in US stocks vs UK housing and whilst there was a boom through the Blair years, outside of that window property was pretty flat in real terms and still lagged stocks by a significant amount.
@spyder_man
@spyder_man 10 месяцев назад
Whilst we live in an inflation based monetary system that relies on debt, house prices will always go up. Houses are the vehicles to sell the debt. Salaries go up, prices go up, its all just a touch slower than inflation. Boiling the frog slowly so it doesn’t notice. Inflation is energy theft and bad for the world, why should all the hard work my father put in over his lifetime be worth much less today. It was valid energy at the time and he should still be wealthy today, inflation stole it from him.
@jamesmc1272
@jamesmc1272 9 месяцев назад
Interesting, Repossessions reaches 90,000 in 1991, in those days if you missed 2 payments with the Alliance and leicester you got a court date for repossession a week before the third missed pmt was due end of. and the house I bought in 1989 and paid £30k for had dropped to £22k if you were lucky enough to find a buyer.
@sciencefliestothemoon2305
@sciencefliestothemoon2305 10 месяцев назад
Within the UK labour market, unemployment might be not the problem, but many people not earning a living wage.
@jjefferyworboys8138
@jjefferyworboys8138 9 месяцев назад
Those people are unlikely to ever be home owners. The best investment anyone can make is in themselves, smart people know this.
@johnmerriam8661
@johnmerriam8661 10 месяцев назад
Many boomers in big houses (mortgage free but big utility bills) are downsizing. These represent many of the cash buyers of smaller houses, and their buyers contribute to the increase in average transaction value, very different from average house price. This also holds up the price of smaller houses as the boomers compete with first-time buyers for them.
@Leapops
@Leapops 10 месяцев назад
Who are all these downsizers? I am not quite a boomer but I do live mortgage free in my "forever" property. My current view is I will be carried out of this house in a box when my time is due. Nothing I can foresee would persuade me to downsize thereby incurring, say, £50,000 in costs (stamp duty, removals, estate and solicitor fees) and the pain in the arse (not to mention the time it takes) of moving for the privilege of living somewhere much smaller. I do know a fair few boomers and not one of them is thinking of downsizing either.
@johnmerriam8661
@johnmerriam8661 10 месяцев назад
@@Leapops the plural of anecdote is not data
@Leapops
@Leapops 10 месяцев назад
As a maths geek I am fully aware the plural of anecdote is not data. Actually it was why I replied to your comment. You made the assertion that many boomers are downsizing. Where is your data to back up your assertion or was that just an anecdote too? @@johnmerriam8661​
@philiphawkins4684
@philiphawkins4684 10 месяцев назад
​@@Leapopsit is really annoying that large family houses are filled with retired couples whose kids have moved out of home while young families struggle living in overpriced small houses with tiny gardens that are not suitable.
@Leapops
@Leapops 10 месяцев назад
I understand your annoyance. One more reason stamp duty should be abolished as it acts as a glue on moving. We could also build more homes people actually want to live in! @@philiphawkins4684
@Al_Pollock
@Al_Pollock 10 месяцев назад
Personally I think house prices aren’t crashing because interest rates aren’t high enough yet. They’ve risen enough for repossessions or previously unplanned sales to start but not enough to push people out of the market.
@kenjepson1908
@kenjepson1908 10 месяцев назад
There's a lot of terraced houses up for sale or going to auction on my partner's street (Bury, Lancashire) out of 40 or so houses on the street 6 are going to auction and one has been up for sale for at least 8 months, and seems to not be moving at all, these are all at the lower end of the market, in poor repair two up, two down terraces with a back yard. All of those going for auction have come up in the last three or four weeks and were buy to let. I'm assuming that the landlords of these properties are going to auction as it's their quickest route out of the market and that they are getting out as the interest rates have hit them. The houses all have/had tenants who have/are moving on to... somewhere. I'm not sure what I'm trying to say, but it concerns me is that there are a lot of people, just on one street in one town, who are stuck, they can only just afford to rent, have no prospect of being able to afford to buy and are at the whim of a fickle, overpriced market and are forced to live in poorly maintained properties. I own my own house outright and I have decent investments, I was lucky enough to have lived through periods and been in situations which have allowed me to end up where I am, it's not all been easy but it feels a damn sight easier than things are right now. I am really concerned about the state of the property market and the effect it's having on people and the economy, things have to change somehow.
@UncleMort
@UncleMort 9 месяцев назад
Net immigration of around 500,000 people per year is a huge factor in property prices, whatever else they bring with them they do not bring a house.
@jeffcole5708
@jeffcole5708 10 месяцев назад
South Wales selling had to drop over 15 grand to sell.
@guerillagardener2237
@guerillagardener2237 8 месяцев назад
House prices didn't go up across the board, in some places they dropped. One of the things that keeps houses valuable is wether or not your house is in a good safe area, and or industry near by. In the absence of both of these things the property market is now on a precipce. Goodbye property investors, hello negative equity.
@johnwright9372
@johnwright9372 9 месяцев назад
The 2008 crash was never remedied. None of the sub prime banking crooks were even investigated. The same problem persists with banks trying to keep the music going.
@giodelonso6030
@giodelonso6030 10 месяцев назад
I can`t see any price drop or a large number of properties in the market in MCR, ok i am looking for a 150-200k price range, but it`s very very hard to get a good one and houses selling within a week. The market is still very resilient.
@carguyuk7525
@carguyuk7525 10 месяцев назад
Excellent video. Love how you explain stuff. Great presentation and clearly a lot of work goes into scripting your videos.
@DamienTalksMoney
@DamienTalksMoney 10 месяцев назад
Thank you so much! Have a great Sunday
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