Has Buy-to-Let CAUSED The Housing Crisis?
HTML-код
- Опубликовано: 8 фев 2025
- 🚨 Attention! UK Buy-to-let landlords... rising house prices... and first-time buyers struggling. Is buy-to-let really to blame for the UK housing crisis?"
In this video, I explore five key ways buy-to-let has shaped the housing market and discuss why government policies might be just as responsible. You'll learn:
✅ How buy-to-let increased competition for housing
✅ Why housing supply has shifted towards investor needs
✅ The disconnect between house prices and incomes
✅ How risky lending led to market instability
📌 Want to dive deeper? Access the full housing research report here.
💬 Share your thoughts below-who do you think is most responsible for the housing crisis? Landlords, politicians, or both?
🔔 Like & subscribe to stay informed on property insights!
#HousingCrisis #BuyToLet #PropertyInvestment #UKHousingMarket #RealEstate #britishhomeinvestors
Nope. Low interest rates and fiat printing make people look for a store of value outside of the money system. Some choose property. Others choose gold. High inward migration and mobile populations add to the demand for a responsive rental sector. Politicians, having mucked up money, now set about trying to rectify the market distortions they caused in the housing sector. If money were backed by gold and other real assets, people would not have to buy real assets, like gold or bricks and mortar, to preserve wealth.
So long as people rely on centralised power and politicians rather than the hive brain of free markets, they will face these distortions.
Politicians and central bankers think they know best and far too many ordinary people believe them.
All good points. Clearly many influences to the current situation.
No, but failure to build combined with 10m new arrivals has. Non-investor who has leftthe UK - no axe to grind.
Completely, that also hasn’t helped! Thanks for the comment!
Anybody else reminded of the "it's just good business" line in pirates of the carribean
😂how come?
Thank you for being honest! Everyone saying no it’s cos of population and lack of building- prices would have never gone as high and investors wouldn’t have been interested if the supply and demand aspect was not there, there is not crazy gains in a fair market. Also The Tories who sold you half your houses at a rate you could afford want your vote so let’s not pretend the winners ain’t been happy to run with the money whilst we all fight for the nothing that’s left at a crazy price…only now that price/peoples investment has been affected magically does anyone care 🤔
Tbh I hadn’t realised how much the buy to let sector has driven changes in demand etc. it’s clearly not the sole problem, but it’s as big a problem lack of building etc
Disagree big banks buying whole housing estates up with black rock seen this my self now on 3 big building projects now . And renting out to government for social housing. Last 3 yrs .
Thank you for this insight! Can you share more?
I of course agree this is also a massive contributor and I do make the point that new housing stock is being built driven by investor demand. Eg for example black rock would prefer developers to build blocks of flats for them rather than an estate of family homes I assume?
Any insight you can provide is appreciated.
@ the government is doing a 5 yr contract on these homes , basically as you know housing building was down last year so these big companies are funding or guaranteeing to buy these houses as they was a slump in sales and builder just can’t afford to have these houses sitting around in present climate. Also they is a big rise in m.o properties being granted by local councils to help with housing crises for single people.
The government only seem to what a certain land lord at mo and it not the working class type .
Very interesting. Thanks for this insight. So much focus on the big corporate landlords.
A heavy capital gains tax on anything over the money you’ve put into to increase the quality or size of the property plus an inflation allowance would help. The more we have invested in property the less there is to spend and invest in the economy.
It’s not really a surprise we are stagnating since the GFC. Where’s the investment money for Britain - tied up in perceived property wealth.
Agreed 100%
It’s how capital is used to create true economic growth rather than just boosting asset values
1) policy makers not addressing the actual problem
2) Banks lending based on rental income
3) No restrictions on rental charges
Younger generations can no more efford a house on thier own
1 & 2 I address in the video. However why do you think restrictions on rental charges is a good idea?
Buy-to-let is a price increase promoter and it also gives the impression of higher demand . Increases rent prices etc. It should be illegal.
Agreed, but why should it be illegal?
What if people need to rent?
@@BritishHomeInvestors I say ban buy to let mortgages to stop this fast price increase based on what investors can squeze out of renters. If you can buy a house cash down and wanna rent go for it. Housing shouldn't be treated as an investment.
I agree to the logic in limiting the mortgage element. But perhaps rather that 80% max mortgages, it tapers down year by year by 5%. Eg
Eg 80% max to 75% max and so on.
It allows everyone involved time to adapt
@ yeah sounds like a good medium. BoE should also not drop interest rates bellow 3.5% so that savers aren't punsihed for trying to save a deposit and borrowers are rewarded with cheap money.
Agreed. Interest rates stayed too low for too long. I think lowering short term at times of crisis. But not long term
You haven’t mentioned the huge population growth over the past 20 years, which has intensified competition for home ownership.
Very true