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Entries in June 2006
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I've just received a press release that reads thus:
Properties at Grace Court are surprisingly affordable, with the three bedroom house on the market at £1.35m.
Only in London, eh? Or, to be precise, in the cute north London village we call Totteridge. Grace Court is a development of old and new based around Crossways, a Victorian house designed by Thomas Edward Collcutt (who designed - amongst other buildings - the Eton school dorms). The whole development of eight homes lies in five acres of landscaped gardens. More here. Anyway, news is that the development's now open for viewings. Contact Banner Homes for more details.
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Yes, it used to be a shopping trolley. Yes, it's now a chair. No, I wouldn't want it in my home. What about you?
[from Eco Home Store, £250 plus delivery]
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Almost 20,000 new flats were completed this spring, making up 44 per cent of all new housing. Six years ago, only 7,000 flats were built over the equivalent period. Flats then accounted for less than 20 per cent of the total output, while detached houses made up 53 per cent of new-builds.
Today's Times reports on a crisis of more and more tinier and tinier flats, built for a market that's crying out for houses. The piece quotes interesting research from the Halifax, which suggests the two-tier property market might not be about North and South, or London and The Rest, or The Rest and Prime, but flats and houses:
Figures from the Halifax show that the price of a new flat fell by almost 5 per cent over the past year while the cost of a semidetached house rose by nearly 6 per cent, slightly higher than the market average.
More here.
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More in this Category - Linkage
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New figures show UK mortgage debt passing the trillion mark (that's a one and 12 zeros, by the way). And there's talk, here, of a trend toward higher interest rates. Watch carefully.
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It's 0.3% for June, the fourth consecutive rise. The annual figure's up to 5% from 4.7%. Press this to download a pdf of the report.
Nationwide reports - a modest gain, but no cigar [May 31]
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There was an interesting piece in yesterday's FT about FSA concern over mortgage brokers scoring mortgages for people with less-than-perfect credit histories. Concern is that the "sub-prime" category (aren't these terms ugly?) can extend to people with serious debt issues (bankrupts or people with county court judgments against them)... and yet it's increasingly popular with investment banks, because the terms make it more profitable. The concern is that, with home repossessions on the rise, it might not be a great time for risky mortgages to be the number one growth area. More here.
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It's not a London story, but it's a timely cautionary tale illustrating the dangers of jumping on the latest geographical property boom... £2 million of lost deposits, a Dubai development failing to develop and a missing developer. More here.
[via Real Estate Newsblog]
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The Telegraph takes a look at Time Out's new "London For Londoners" book, and asks whether this insiders' guide to the boroughs (quoting local residents and estate agents) could be handy for house-hunting. The writer lifts a few quotes, too, regarding Greenwich, Hammersmith & Fulham, Camden and Hounslow (well, Chiswick). The book's here.
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Before we get too excited, this comes courtesy of buy-to-let lenders Paragon. What's odd is that Paragon's figures suggest rising property prices but stable rentals. In other words, falling yields. But a Paragon spokesperson puts us right:
"Investors are dispassionate purchasers and buy in response to growing tenant demand, rather than in the expectation of short term capital appreciation."
Fair enough. Read it here.
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A fortune of £60m would have granted entry to the top 100 of the Sunday Times Rich List in 1989. Now it takes £605m.
Today's Independent looks at the mass affluent, the wealthy, high net worth individuals, ultra-high net worth individuals, and, at the very top, property bloggers, and asks, Where are they all coming from and what are they doing to UK society?.. before leaping head first into a journalistic fantasy orgy of Bentleys, Went & Kidd diamonds and houses in Belgravia. Read it - if you like - here.
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According to Merryn Somerset Webb, it's a ghost town... and it's not the first time the Rat and Mouse has heard stories about a deserted Paddington Basin development. In fact, we've heard a few courtesy of the self-same Merryn Somerset Webb: first, lamenting the fact she couldn't sell her flat there (and predicting a property price crash); then, suggesting people rent in the Paddington Basin, because rents are cheap and getting cheaper (and predicting a property price crash). Now, she's back with the message... we're bang in the middle of the (predicted) bust. We just don't know it.
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According to figures by Lincoln Financial Group, an incredible one in 12 Brits think the Government will bail them out if they fail to make their mortgage payments. But mortgage relief came to an end 11 years ago, and repossessions are on the increase (up 57% the first three months of 2006, compared to the same period in 2005). More here.
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More in this Category - Linkage
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I've had several emails from people claiming to be the couple in Friday's "hot wheels" photograph. You can't all be them. And - just for the record - I don't believe any of you.
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And London's driving it, apparently, with a 1.1% June increase. More interesting is that activity seems to be on the up, with an 8% rise in the number of homes sold, and the average time it takes to shift a property down from 7.4 weeks this time last year to 6.5 weeks. More here. I'll try to remember to return with a link to the actual report once it appears on the Hometrack website.
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If I had a tenner for every email I get from somebody asking for advice or help with how to get into the property industry, get a job as an estate agent, find a job in property investment/management etc, I could have waved goodbye to the blogging racket long ago, bought that nice set of wheels I've always promised myself, embraced my mid-life crisis and just taken off with some hot busty freak. Instead, I'll pass on a press release I've just received from workinproperty.com - a brand new website aimed at matching quality job applicants with quality jobs... in property. I've just spoken to somebody from the company who tells me this is the first in a series of new recruitment websites, and two more are in the pipes. The company's called Workin.com Ltd., not to be confused - confusingly - with Workin.com, an American group of recruitment websites. (Something to figure out in the future maybe?) Anyway, in the meantime, the website's attractive and easy to use, and there's a free introductory advertising offer running for employers. In case you missed the earlier link, it's here.
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Over at the BBC there's a little preview of tonight's Rory Cellan-Jones report into Russian money in the British capital. Apparently, it's not all suitcases full of cash these days:
Alexandra Lovell, a Russian estate agent at Savills, says her clients are "nice, people, normal people, open people".
Amazingly, though, the piece quotes a source from an unnamed London private bank who openly states his bank won't deal with Russians.
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 A music website called Sound Generator reveals that London's famed Astoria, on the Charing Cross Road, has been sold by the Mean Fiddler organisation to property development company Derwent Valley for a reported £24 million. The building could be converted into shops, office space and some residential apartments. Pity. I wonder if there's a way Derwent can design and market the resulting property around the old venue and its history? Unlikely, since they already own significant property around the space they're probably planning something more radical.
Rock'n'roll rental [February 21]
Islington calling [November 3, 2004]
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According to blogger Evil Discussor, what he definitely doesn't need:
... is to rest my housing future in the quivering hands of a teeth-baring, eyes-staring, crack-happy, cracked-up, crack-face broker...
Last time my estate agent smiled like that she tried to bite me.
[via Curbed]
A lesson in estate agenting... [April 26]
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The BBC's reporting the sudden death of Monetary Policy Committee member David Walton... a committee hawk and the only member to vote for an interest rate rise in the last meeting. He was only 43.
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A Rat and Mouse reader draws our attention to this brand new online rugs store, selling some very special-looking products for not-outrageous prices. The website's a treat, too.
 
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More in this Category - Design
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More in this Category - Linkage
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So unable to quite believe the Daily Mail were giving the story straight, I emailed the DCLG for comment about the whole Empty Dwelling Management Orders hoo-hah. The response, after the jump.
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More in this Category - E5
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The story ran in Saturday's Daily Mail... that the Government apparently plans to seize the homes of dead people from their relatives, if the properties are left vacant for more than six months. But we waited until now to bring you the link, because we were just sure the Daily Mail's readers would want to provide some entertaining comment. We were right:
Well now we know we are living in a totalitarian dictatorship, pure and simple.
Grave robbing ghouls, that is all New Labour are.
What next will this labour government inflict on this country?
A government riddled with ex-social workers. They are people who should not even be allowed out of their own homes, let alone going into the homes of others.
It's about time somebody got tough with the scroungers and layabouts.
They've opened the floodgates to literally millions of immigrants (many of them having no right to be here) and now they think they can put things right by STEALING peoples' houses that have been lawfully bought and paid for.
Can this be true? I've dropped Ruth Kelly and the DCLG a line, asking for their comment. In the meantime, it's time head outside, like the rest of England's homeowners, shotgun in hand, pith helmet on head, and a God-and-Marks-and-Sparks-given right to defend my property from the marauding hordes of lefties, council officials and poofters.
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That's the logic espoused by Nationwide Group's Fionnuala Earley, with her new definition of the first-time buyer:
"No longer can we think of first-time buyers as the fresh-faced young person or couple," Fionnuala Earley, Nationwide Group economist, said.
"Rather the category includes a significant proportion of buyers returning to the market... such buyers often have access to deposits funded from past increases in house prices," she added.
What?
[via HousePriceCrash]
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News reaches us that expensive retro-style fridge maker Smeg have just introduced a second hand-finished limited edition of its FAB28. The stripy one, which looks a bit like a City Boy's shirt, joins the nationalistic one, which looks a bit like a UKIP voter's smalls.
The Stokke recliner [June 15]
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The old story is that people feel rich when they can see the value of their home rising, and they express their largesse by, er, spending it. However, a new report today by the Bank Of England suggests the story's way more complicated. The money that hits the high street, they say, isn't just perceived wealth, it's released wealth from borrowing against the value of a home. And younger people are more likely to "trade up" (whatever that means in a nationally rising market) than release equity. Which leaves a picture that's not very clear at all... but which might, just, do something to pacify the retail sector (who are currently taking a kicking thanks to the World Cup) if interest rates rise shortly. I'll try to find a link to the BoE report - and return with it shortly.
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As you know, we switched on the Comments facility a few weeks ago and I'm delighted that readers are starting to make use of it. Oddly, though, you're making use of it at the weirdest times, with old posts, which have dropped off the front page, suddenly attracting interesting and intelligent postscripts. It would be a shame if nobody saw them, so I thought I'd provide a little Friday round-up, with links. Who knows... it could become a weekly feature.
Back in May, I reported on a slightly dubious-sounding report by private sales site ClickSell, which suggested that the days of the estate agent are numbered, and linked to an article on Lifestyle Extra, which didn't impress David Cooper:
This article is a typical example of a badly informed journo' jumping on the bandwagon, in an effort to reinforce the level of public misinformation concerning Estate Agents... The journalist, whose industry is, anyway, far from lily white, should try to take an unbiased view and not merely echo the misguided comments of his fellows and those with a vested interest in alternative sales methods.
Likewise, Martin Charlick knows how to spot a press release masquerading as news when he sees one:
This of course was a very well crafted PRESS RELEASE advertising the launch of a new property website, masquerading as a 'survey'. The reality is that estate agents themselves are putting agents out of business - there are simply too many of them fighting over not enough properties and only those that are prepared to raise their game and offer genuinely good professional service and consider their customer's interests over their own, will prosper in the long term.
To read both comments in full - and perhaps add to the debate - go here.
Martin also debunks some statistical anomalies from a recent Guardian piece, here. It's another comment well worth reading.
But the most vital comment so far comes from Dennis Eve, who - at the age of 69 - finds himself being strong-armed out of his ex-council home by Greenwich officials who still manage to sleep at night:
My neighbours eitherside have been rehoused as they were council tenants therefore leaving me isolated. The Greenwich council has offered me £94,000.00 if I take this offer I would be unable to buy a property in this area and as I am 70 in July my chances of getting a mortgage is nil.
That's £94,000 for a four-bedroom home in London, folks. Read the full story here - and if anybody has any suggestions about how the Rat and Mouse might help Mr Eve publicise his plight, please drop me a line or drop a comment below.
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What do you think? Should potential RIBA president Peter Phillips be made to give up on the race - or, indeed, stand down from the institute's governing body - now that details of his high-level BNP support are known and acknowledged? Comment below - or head over to the Rat and Mouse forum and open a thread.
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Here's one to really get old Shriver's goat:
The extra-terrestrial estate agent who describes himself as Lunar Ambassador to the United Kingdom is offering the Moon at £20 an acre, and plots are selling faster than Mars Bars at a UFO rally.
 For £19.99 you can have an utterly meaningless deed and map showing where your future home might be, on either the Moon, Mars or Venus. The company, Moon Estates is a kind of UK franchise of a US business set up after the worst scumbag to ever besmirch the name of capitalism took advantage of a legal loophole allowing an individual to claim "ownership" of planets. Currently, the potential population of the moon is greater than Iceland, and the fact that property lawyers are united in dismissing the whole idea as bunkum isn't discouraging idiots (in America, George W Bush is said to own a plot) from making Moon Estates boss Francis Williams a rich man. (The company apparently brings in more than £1 million a year.) The whole thing's so hideous - such an insult to nature - that I'd, personally, rather be poor. Read the whole story, here, in the Telegraph.
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More in this Category - Celebrity homes
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Like an Eames - but weirder.
[via Trendir]
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Permanently optimistic estate agents Haarts have examined some data pertaining to the World Cup effect on home sales, and are confident of a sudden surge in transactions in August. Apparently, across the last 20 years, sales in World Cup year Junes are on average 1.3% (or 1,600 transactions) down. However, the average increase (on non-World Cup years) after the tournament ends is 4.1% (in Augusts). Remember, though, interest rate movement in coming months is the big unknown. More here.
Discuss this (and anything else) on the Rat and Mouse forum.
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It's the first installment in what promises to be a fascinating tale in the Telegraph and one which the Rat and Mouse will be following closely. It's a story of negative equity, a guarantee that doesn't guarantee anything, a £20,000 debt that reappears ten years after it's supposed to have been settled, and a non-reply that's officially interpreted as an acknowledgment of receipt.
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According to a BBC poll, the list (currently) looks something like this:
1 - Centrepoint
2 - The tower at Colliers Wood
3 - The Gherkin (I know, hard to believe)
4 - Southbank Centre
5 - The Tower Hotel by Tower Bridge
[via Londonist]
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What are they? Well - according to this - they're "three-generation families" all living under the same roof. Interestingly, though, they're not property rich grandparents making space for their children and young grandchildren. They're middle-generation homeowners who have an elderly parent resident with them. According to research, there are now 858,000 3G families in the UK.
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The Guardian's Lionel Shriver takes a little moment out from bragging about her fucking Orange prize and kvetching about (perceived) public pressure to procreate to slam UK home owners:
I hate you.
The reasoning?
You Brits all want a patch of earth to call your own - but only because you're obsessed with its escalating value. It's sheer greed.
Shriver - who appears to have more hate in her than in the average person - quotes the overwhelming number of poor home-improvement and property market TV shows as evidence of a British malaise, and points, sensibly, to a few of the illogicalities of the free market. But what the rant gains in vitriol, it lacks in originality and mature thought. Were ftbs pre-1995 really a different, more evil breed to ftbs today? Does Shriver really believe that? Do Americans not buy property and worship Martha Stewart? Don't homeowners today commit a greater part of their salaries to paying off their mortgages? And if Shriver's nearly 50, then she had a full twenty years (almost an entire mortgage term) to make her lifestyle decision regarding buying/renting before the huge price increases kicked in. What do you reckon? Perhaps I'm being unfair. Feel free to comment below, or use the Rat and Mouse forum to kick off an argument of your own.
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The story - according to Abbey's always popular annual Rent vs Buy report - is that rising house prices have made buying considerably more expensive over a 25 year period (in some regions) than renting. And one of those regions is London. Obviously, though, the numbers are utterly and completely meaningless. Because - after the 25 years - the buyers own a house worth half a million pounds. The renters have a great collection of dodgy landlord stories which might or might not one day make a good screenplay. More, including some numbers, here.
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It's hard to not think of it as the Office Of The Deputy Prime Minister - but it's not. It's the Department For Communities And Local Government. New name. Same old shit. Which means a house price index report for March and April released in the middle of June. What saves the DCLG index from being a total waste of time is that it tends to be more accurate than its rivals, since it's based on actual completions, rather than asking prices, valuations, lies or estate agents. Anyway, the story is that annual inflation is up to 5.1% (7.1% in London). Click this for a pdf of the actual report.
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It's probably safe to assume the Bishop of Norwich isn't an avid Rat and Mouse reader:
"Ours is a society which has become wealthier through market economics, so much so that at times we've bowed down before the market as a great god."
He's talking about young people priced out of their own rural neighbourhoods. And he is, of course, right. He doesn't, apparently, propose a solution.
[via In2Perspective]
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Every since the Whistleblower debacle, journalists have been asking - are the days of the estate agent numbered? Saturday's Guardian posed the question in relation to the vast and growing number of online (private sale) alternatives. The newspaper pretended to test a few of them out... in fact just a half-arsed search for a four-bedroom house in Walthamstow. Really testing these sites out would involve talking to successful buyers and sellers, unsuccessful buyers and sellers, and quizzing them about the process... whether they felt they took on too much, and missed an estate agent's expertise (pricing), time (viewings) and authority (checking out the vendor's serious, pushing toward exchange). But what the Guardian article does do exceptionally well is buy into the crap a few of these websites put out, some of which I hadn't heard before. Like, Property Broker claims to have had a 20% share of all sales in some areas of south-east London in 2005. And Eureka247 said it was getting 2,000 visitors a minute. Blimey. Perhaps the Rat and Mouse should get a bit of that private sales action! Feel free to comment below, of if you've had some experience in the world of private sales, we'd love to hear about it over on the all-new Rat and Mouse London property forum. We're absolutely positive that the private sales route can work, and that some of these websites offer a superb service. We want to know which ones.
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According to Anne Ashworth of the Times:
Henry & James, an agent that specialises in Belgravia - the streets between Sloane Square and Knightsbridge - reports that, in one week, two buyers bought properties for £1.7 million and £10 million respectively, based purely on the descriptions.
Surely these were foreign buyers... their representatives making offers on the telephone from Russia or the Middle East?
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 That's Liam (Knight Frank) Bailey's expression for the some of the exclusive west London squares currently obeying only their own market rules and heading towards the £3,000 a square foot marker. More here.
Have your say at the Rat and Mouse forum.
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Research by the Halifax reveals that the number of UK homes with seven-figure values has risen from 3,400 in 1995 to 66,600. Fifty-six per cent of this total (or 37,200 homes) are in London. More here.
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... steady at 4.5%, for the tenth consecutive month.
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This, from the Rat and Mouse forum:
As an American who grew up in London, I've always wanted to find a way to live there again. Since I can't get a permit to work there, I was fantasizing about investing in a London flat now and living there for retirement.
I'd have to let it during that time, but the ideal would be to let it for the summer months and have the option of visiting there during the off-season (assuming one could charge more during the summer to cover costs the rest of the year).
So one question is whether anyone knows if there's much of a market for such lettings? Part of me also thinks it wouldn't be fair to neighbors to have short-term tenants coming and going, or that the wear-and-tear on the flat would be too much.
The other piece of this is just the difficulty of looking for flats from overseas and trying to buy one during a short visit (a week or two). In the U.S., buyers have their own agents who can look out for their interests in a transaction with the seller and their agent. I've read about some agencies in London that charge a percent or two of the price to advise a buyer.
Does anyone have experience with those? Are they worth it?
This would be a pretty low-budget investment by London standards, too-- maybe 200,000-250,000 sterling.
I've concerns about the hassle of continual short-term lets, and I think he really needs a friend based full time in the UK, to help him understand the finer differentiations between one neighborhood and another.
If you've proper experience in this area and something helpful to add, please either comment below, or visit the Rat and Mouse forum - where you'll find his post right here.
Many thanks!
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More in this Category - Celebrity homes
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It's a revised for forecast for the end of the year, up from 2% (February) to a much more respectable 7%. But with the revision comes some trouble. The CML now expects interest rates to end 2006 at 4.75%, and the repossession rate to go up as a result. It's telling that interest rates at such a historically modest level are expected (by the body that lends the money) to result in such financial hardship. Go here for the press release, and here for a little extra from Channel 4.
Discuss UK property prices at the all-new Rat and Mouse forum.
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Inwood Park - just south of Hounslow - was once known for its distinctive landscape of old Special Brew cans and vomit... a chic little enclave for Londoners who wanted to stay shitfaced all of the time. Now, the council has made the area an alcohol-free zone, the drunks have dragged their pickled souls elsewhere and the Independent makes the park the subject of its More For Your Money page. The message is - the neighbourhood's on the up, and there are still unmodernised houses available for those looking to turn a (medium-term) profit. If you can get in quickly enough. There certainly seems as if there's a bit of action there at the moment. Listings for two- and three-bedroom terraced houses in the £220-240,000 region are mostly under offer or sale agreed. For something at the higher end, check out what £409,950 will buy you... a five-bedroom plus garage detached home overlooking the park. Not bad when the Piccadilly Line will take you into the West End in 25 minutes.
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According to Haart estate agents May saw the eighth consecutive monthly rise, leaving the average cost of a London house at £250,137. The biggest increase occurred in north east London... 4.5%.
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New research by the Co-Op bank suggests that first-time buyers, saving an average of just over £300 a month (half of a first-time buyer's average monthly mortgage repayments), would (if they started right now) have to wait until the 2010 World Cup in South Africa before they could move into a house of their own. The calculation assumes a 3.6% increase in house prices a year, but doesn't include the London ftb, who would have to wait until 2012 and the Olympics... More here.
Visit the Rat and Mouse forum.
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More in this Category - Estate agents
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 Since self-actualised David Cameron took over, no-one - that's NO-ONE - could ever accuse the Tories of making up hysterical news stories in order to scare the trembling bejesus out of Middle England's property-owning, Daily Mail-reading, Pikey-loathing, Shiraz-drinking, Audi-driving, Waitrose-shopping, Mozart-on-a-Sunday-morning-loving hardworking families. Except, maybe, this:
Conservatives today revealed explosive new evidence confirming Government plans to use aerial and satellite photos, not only to hike council tax bills, but also to create a new database of England's front and back gardens - to identify sites to seize and bulldoze for new developments.
[via Conservatives.com]
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More in this Category - Linkage
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Research shows that as many as 150,000 people in England and Wales are likely to suffer from gazumping over the next year.
That's Rosie Murray-West, in this morning's Telegraph. The study is apparently by Spring Move - one of those companies banking on HIPs being here to stay, and so with a vested interest in demonstrating what a soul- and sanity-destroying poker game moving house is (without the HIP white knight on hand to help you out). It's research also apparently showed...
4.9 million people over the past five years said they had suffered a range of emotional, mental and physical health problems caused by buying or selling a property.
And - what's this? - not only are 150,000 of us going to get gazumped, a further 90,000 of us, according to Spring Move, will be gazundered. Because that's the kind of crazy market it is. One in which the centuries-old law of supply-and-demand means nothing, and properties will be both fought over, and left for debt until the buyer accepts a reduced offer.
Gazumped or gazundered? Tell us about it at the Rat and Mouse forum.
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... at your expense? According to new figures, 48% of the victims of identity theft who know their fraudsters, know them because they rent them a property. You see, your tenants pick up your old mail and - what the hell - open it and read it. And before you know it they're using your credit card to pay for their lapdances. More here.
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Back when I was growing up in Manchester, I lived just around the corner from Lou Macari. One day I ran my Chopper into the back of one of his parked Audis and broke a rear light. I knocked on the door, and asked for his autograph. That was when footballers lived in modest semis, among the people who wore scarves in their team colours. And you could buy three packs of football stickers for ten pence, and still have change for a bubbly. (Christ, here I go again.) Anyway, the point is that I doubt whether Macari's presence had much impact on the value of my parents' home. How things have changed. Today's Times reveals how footballers are propping up property values.
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 The story is that Big Brother TV producers had to rely on the efforts of a set of expert chartered surveyors to get tax inspectors from the Valuation Office Agency off their backs. The officers apparently turned up at the house (back before the series started) with tape measures and pursed lips, to try to work out whether the house was officially part business, part residence... in which case it would still be liable for council tax. Interestingly, details of the visit have been uncovered by the all-new popular people's party, who hate nothing more than petty government attempts at infringing the rights of the individual to look at Aisleyne's arse. From the Telegraph:
A spokesman for Endemol, the Big Brother producers, said: "This was a lucky escape for the house mates. Council tax would put a serious dent in their weekly shopping bills."
Rat and Mouse news - now there's a forum [May 29]
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More in this Category - Linkage
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More in this Category - Estate agents
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It's a proper question, surely, as new research reveals that the sum of UK mortgage debt will have passed the trillion pound mark in May.
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