Why the Housing Crash Never Happened

A look at recent events in UK house prices. Why prices fell only a little. What are the prospects for the future.

0:00 Intro
0:55 Real House Prices
2:04 Stress Tests
3:52 BOMAD
5:07 Rented sector
7:02 Future House Prices?
7:50 Interest Rates
8:35 Interest Rates
10:59 Regional Market

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ABOUT
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[jerrycampbell-utyf]

I think it's time to make it more appealing for potential buyers. Real estate can be quite the rollercoaster! the stress and uncertainty are getting to me. I think I'll cut rents to attract potential buyers and exit the market, but i'm at crossroads if to allocate the entire $680k liquidity value to my stock portfolio?

[GillerHeston]

In the UK, individuals living in cars due to partial homelessness result from a complex interplay of factors. High housing costs relative to income, stagnant wages, and income inequality drive this issue. Job loss, weak social support, medical expenses, evictions, and lack of affordable housing also contribute, while systemic problems and inadequate policies further perpetuate the phenomenon.

[annemoore]

I plan to retire at 62 in another country outside the US that is free, safe and very cheap with a high quality of life. I could fully just rely on only my SS if I wanted to when that times arrives but I'll also have at least one pension, a 403 (b) and a very prolific lnvestment account with my Abby Joseph Cohen my FA. Retiring comfortably in the US these days is almost impossible. I honestly don't understand why people don't move to another country when they get older in retirement. It seems everybody has excuses for almost anything to not take action to better their situation.

[atilla]

I doubt houses prices will see fall because there will be always corporations, big companies to buy them off and create renters. We are heading toward a cyberpunk future where corporate will be in charge of everything

[jasbindersingh]

Not a crash but a slow descent. I've never seen so many reduced asking prices on right move, and in my part of Essex for flats, they've definitely dropped.

[Noddy]

Average rental cost £1300.00 a month. That is insane, I can live on less than £700/month in a Band D house and run a car. Youngsters do not stand a chance. Bring in rent control and build more social housing.

[daedaluxe]

Easily the most underrated channel on yt, keep doing amazing work!

[Jonnyicey]

In my local area ive never seen as many houses for sale, many have been on over 6 months and had multiple price drops.

[kenville]

Always enjoy your videos and analysis. People talk about a “housing ladder” but I don’t think that exists anymore. If you can buy a house, the gap between a 2 and 3 bed, or.a 3 or 4 bed is so large that the build up of equity still can’t reach it. Plus stagnant wages also compounds this problem.

[AM_o]

Transaction volumes are considerably lower and the people who are transacting are overpaying muppets. On paper, it looks like everything's broadly OK, but one has to consider how representative of the market's health the figures are when transaction levels are so diminished.

[InvestgoldUK]

In terms of gold, the housing crash has been massive since 2005 and that's what we need to seriously measure it against, real money. The major issue at the moment is salaries have not caught up yet.

[Definetly_not_a_BOT]

Too many youngsters want to play the losing house game in the UK.

I dont get why more people dont leave tbh.

We didnt want to become slaves to a morgage for decades for low quality houses. I think we were lucky that we could leave easily.

[MrStanneken]

Well researched, well referenced, coherent analysis well presented. I wish all of YouTube was like this.

[CaribbeanEmbassyUKTV]

00:30 - What is the historical long term average & where did you get that number from?
I calculated 4.7 based on the data sheet provided

[penderyn]

There is a major flaw with comparing unemployment now with unemployment decades ago when the rates of the economically inactive were much lower.
Wales for example has 28% of its working age population not working. Yes it's been bad since the end of heavy industry in the But this number has grown and is not counted as unemployed

[philipjamesparsons]

House prices round where I live have been in the Doldrums for a couple of years. Demand props up the prices, but affordability keeps them from falling. Lots of renovation projects advertised as top money and going nowhere. Yet, the money I have in index tracker funds has gained 25%+ in that time.

[ben]

This was incredible. Thank you so much for doing this. Invaulable. I'm an immediate subscriber.

[michaeledwards]

there is another side to the argument, if a property is bought for £200, 000 with a 10% deposit of £20, 000 and an interest only mortgage over 5 years fixed at 5% gives a payment of £750 per month, but the same property fetches £1000 rent on the open market for year 1, year 2 rent goes up to £1050, year 3 £1100, year 4, £1200 and year 5 £1300 per month, so who is better off financially

[deldia]

Another reason is the expectation that the government will do whatever it takes to avoid a crash.

[andrewbrooks]

Now that is an absolute terrific Idea.Thank you.