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LECTURE - CAFE PHILO - THEATRE - EXPOSITIONS - DANSE - ATELIER MIEUX ETRE



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I ducked into Holyrood Crescent where, in 1990, me and my then girlfriend did something absolutely outrageous for the very first time. Something, no one else we knew was doing.

Even if you do pull Hermes Belt Buckle Stamp

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A house is not a home but a mortgage is still a bag of bricks around your neck

A couple I know recently rented a gorgeous farmhouse. They could just afford the rent but they would need to have saved up for 10 years for the deposit to buy it, all the while living on gruel in a one room flat.

and stuff salvaged from skips as furniture because you've spent the last few years living in furnished (and extortionate) rented accommodation and spent every last penny buying the place.

I was still at university and she wasn't earning much but then the mortgage was slightly less than we would have paid in rent.

Even with the property slump, the average house price in the UK is around 165,000, plus solicitors' fees and stamp duty.

Overnight, most cities would resemble the final reel of a disaster movie people running down the streets screaming, mushroom clouds going off, buildings on fire for the insurance the whole bit.

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Great you finally get your dream home and your living room looks like Chandler and Joey's flat in Friends after they got burgled.

But there's one happy side effect of the property crisis. Many people are turning their backs on a game they realise they can't win.

What are you going to do with it then? Leave it to your kids?

A tiny attic flat, at 18 Holyrood Crescent, Kelvinbridge. (If you're Gucci Belt Sale the current occupant Hi! How is the old place? And those mags on top of the wardrobe? They were there when I moved in.)

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And they'd need to have both been given 200 per cent salary increases to get the mortgage.

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I quoted a line from Pulp Fiction and he pointed out it was now longer from today back to that film coming out in 1994 than between its release and Grease in 1978.

We also fancied the idea of not having a landlord. These were the reasons we bought. Not as part of a dynamic investment portfolio. The deposit was 3000.

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And to get an interest rate any better than you'd be quoted by Having A Laugh Payday Loans Inc, you'll need to have at least a 10 per cent deposit you're looking at around 20,000 to even get in the game. In London? Double it.

Some friends were horrified: "You're throwing money away on rent?" But they get to wake up in this lovely place every morning. Gucci Belt Aaaa Quality

Now the socialist in me recoils a bit at this idea of having to get "in the game". It's perhaps the single greatest psychological legacy of Thatcherism in this country. Remember, it was the same woman who said you were a loser if you took public transport over the age of 30.

Because your life happens now day by day. And you know what? Even if you buy it, you don't own it the bank does. Until you're 60 odd and then you own it for about 15 minutes before you die.

The flat cost 30,000. I'd guess our annual income was half that.

I WAS in Glasgow last week and took a stroll down memory lane, walking along Great Western Road.

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A cash strapped life, chained to a mortgage, so your kids can sell it and live like dissolute kings for a few months?

FOOD for thought on Twitter with Greg Hemphill.

Today, two decades on and living down south, I look at younger friends trying to buy their first property and realise what a golden dreamtime we lived in.

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Another word of warning when we bought that flat in 1990, interest rates had hit a record high of 14 per cent. And this happened under the Tories, those renowned guardians of financial responsibility.

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If that happened again, the average UK mortgage would triple. With house prices and mortgage payments at the levels they are today, this would mean Armageddon.

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I don't think so. I'm leaving mine to The Donkey Sanctuary. My kids will be fine. And the donkeys might like it.

Today.

And it's not just London. Today, the thought of a student and a low paid graduate (who don't have wealthy parents) being able to own a home in a nice part of any of the UK's major cities is pretty much laughable.

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