Is Buy-to-Let in Derby Immoral?

‘An Englishman’s Home is His Castle’ as Maggie Thatcher lauded – everyone should own their own home.

In 1971, around 50% of people owned their own home and, as the baby-boomers got better jobs and pay, that proportion of homeowners rose to 69% by 2001. Home ownership was here to stay as many baby boomers assumed it’s very much a cultural thing in Britain to own your own home.

However, on the back of TV programmes like ‘Homes Under the Hammer’, these same baby boomers started to jump on the band wagon of Derby buy to let properties as an investment. Derby first time buyers were in competition with Derby landlords to buy these smaller starter homes … pushing house prices up in the 2000’s beyond the reach of first time buyers.

Alas, it is not as simple as that. Many factors come into play, such as economics, the banks and government policy. But are Derby landlords fanning the flames of the Derby housing crisis bonfire?

I believe that the landlords of the 17,504 Derby rental properties are not exploitative and are in fact, making many positive contributions to Derby and the people of Derby. As I have said many times before, Derby and the rest of the UK isn’t building enough properties to keep up the demand; with high birth rate, job mobility, growing population and longer life expectancy.

According to the Barker Review, for the UK to standstill and meet current demand, the country needs to be building 8.7 new households each and every year for every 1,000 households already built. Nationally, we are currently running at 5.07 per thousand and in the early part of this decade were running at 4.1 to 4.3 per thousand.

It doesn’t sound a lot of difference, so let us look at what this means for Derby and, when reading this, bear in mind that the Government is rumoured to want to build 1,000,000 new homes by 2020!

For Derby to meet its obligation on the building of new homes, Derby would need to build 912 households each year. Yet, we are missing that figure by around 380 households a year.

For the Government to buy the land and build those additional 380 households, it would need to spend £75,895,047 a year in Derby alone. Add up all the additional households required over the whole of the UK and the Government would need to spend £23.31bn each year … the Country hasn’t got that sort of money!

With these problems, it is the property developers who are buying the old run-down houses and office blocks which are deemed uninhabitable by the local authority, and turning them into new attractive homes to either be rented privately to Derby families or Derby people who need council housing because the local authority hasn’t got enough properties to go around.

The bottom line is that, as the population grows, there aren’t enough properties being built for everyone to have a roof over their head. Rogue landlords need to be put out of business, whilst tenants should expect a more regulated rental market, with greater security for tenants, where they can rely on good landlords providing them high standards from their safe and modernised home. As in Europe, where most people rent rather than buy, it doesn’t matter who owns the house – all people want is a clean, decent roof over their head at a reasonable rent.

So only you, the reader, can decide if buy to let is immoral, but first let me ask this question – if the private buy to let landlords had not taken up the slack and provided a roof over these people’s heads over the last decade .. where would these tenants be living now? ….. because the alternative doesn’t even bear thinking about!

 

 

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