General election 2019

[Andy Bee]

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But how do you get the 20k deposit?

Certainly challenging for younger People nowadays

My first mortgage was at 97.5pct. If I needed to find the 70k NZD deposit I simply wouldn't have been able to buy

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On the example I posted it'd be a £5k deposit on a £100k flat, 95% LTV. Not easy to get but Nationwide quote for them so I assume they do them.

[Cataplana]

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But how do you get the 20k deposit?

Certainly challenging for younger People nowadays

My first mortgage was at 97.5pct. If I needed to find the 70k NZD deposit I simply wouldn't have been able to buy

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Shared equity offers a leg up.

[danhibees1875]

The new ISA schemes help people save up with the incentive of a 25% bonus on their savings. There's also the first home scheme that just came out where the Scottish government give you a chunky 0% loan, repayable when you sell the house.

I think they're both good initiatives, although if I was being cynical about the first then I'd say the ISA means more people have more money and that just makes house prices go up. But it's still an incentive to save which will help.

I think the standard mortgage is 90% LTV (with 95% available for people under a certain income threshold). So a £150-200k flat/house would need £15-20k savings (ignoring additional fees and the cost of furniture etc that also needs saved for). Most people I know buy as a couple, so that's £7.5-10k per person to save. Not as much as a lot of the figures being banded about and there's support to get people there.

[Cataplana]

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The new ISA schemes help people save up with the incentive of a 25% bonus on their savings. There's also the first home scheme that just came out where the Scottish government give you a chunky 0% loan, repayable when you sell the house.

I think they're both good initiatives, although if I was being cynical about the first then I'd say the ISA means more people have more money and that just makes house prices go up. But it's still an incentive to save which will help.

I think the standard mortgage is 90% LTV (with 95% available for people under a certain income threshold). So a £150-200k flat/house would need £15-20k savings (ignoring additional fees and the cost of furniture etc that also needs saved for). Most people I know buy as a couple, so that's £7.5-10k per person to save. Not as much as a lot of the figures being banded about and there's support to get people there.

There must be something cheaper for first time buyers. In fact, I know there is.

[Mon Dieu4]

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The new ISA schemes help people save up with the incentive of a 25% bonus on their savings. There's also the first home scheme that just came out where the Scottish government give you a chunky 0% loan, repayable when you sell the house.

I think they're both good initiatives, although if I was being cynical about the first then I'd say the ISA means more people have more money and that just makes house prices go up. But it's still an incentive to save which will help.

I think the standard mortgage is 90% LTV (with 95% available for people under a certain income threshold). So a £150-200k flat/house would need £15-20k savings (ignoring additional fees and the cost of furniture etc that also needs saved for). Most people I know buy as a couple, so that's £7.5-10k per person to save. Not as much as a lot of the figures being banded about and there's support to get people there.

The government have stopped the help to buy ISA, the cut off was the 30th November

[Hibernia&Alba]

I think there are some good initiatives mentioned above, in relation to helping first time buyers. However, I do think they only tinker around the edges and won't solve the problem of house prices increasing at multiple times pay rises for forty years now. My parents' house cost 10,000 in 1980; today it's worth 250,000, yet nobody's pay has increased twenty-five fold during the same forty years. At the same time the number of council houses has plummeted, due to most of them being sold off. So today we find ourselves with one million people in temporary accommodation, including 135,000 children being raised in hotels and bed and breakfasts. It's shameful stuff.

Since the 1980s many building societies have been allowed to convert into commercial banks, thus profiteering has replaced community service. Banks can create money via loans, and give those loans to where return is highest - property is a cash cow for them. They are not interested in the moral dimension of having a home to live in. We need a publicly owned and democratically run banking system, in order to decide how money creation can best help everyone. We need a massive plan for council house building; houses which cannot be sold off on the cheap again. Government can help those wishing to move into the private sector, as stated above, but council houses are needed for those who cannot buy or do not wish to. We need the right of every person to a home to be enshrined in law. Just a few things to start with.

[StevieC]

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They won't be winning any referendum with 46% of the vote though so they'll need to convince everyone who voted for them and the Greens the other week to vote for independence AND get another 4.01% who voted for one of the Unionist parties to vote for independence.

Or simply motivate 5% of the 32% that never voted at the election?

In 2014 there was an 85% turnout. That's 17% that "sat out" the 2019 election. As it's widely viewed that the Tories are the best at "getting out the vote" at elections, so it's not unthinkable to suggest that the majority of that 17% is SNP/Independence.

I also think that it's a misguided assumption that all the unionist votes were also anti-Independence. I was knocking doors locally for known SNP supporters in the run up, and I was very surprised to find some that were voting Tory for this one (to get Brexit done).

[danhibees1875]

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There must be something cheaper for first time buyers. In fact, I know there is.

House price wise? I'm sure there would be, that's just an example.

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The government have stopped the help to buy ISA, the cut off was the 30th November

Yep, anyone (over 16 and first time buyer) could have opened one beforehand and can still use it though. There is also still the lifetime ISA which is similar, but better.

[USAHibby]

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They won't be winning any referendum with 46% of the vote though so they'll need to convince everyone who voted for them and the Greens the other week to vote for independence AND get another 4.01% who voted for one of the Unionist parties to vote for independence.

I'm sure the 16/17 year olds who didn't get to vote in this election and the EU residents that didn't get to vote in this election and the Labour voters who now see the UK as a tory political vacuum and the Lib Dem voter who now realize that it's a straight choice between the UK and the EU will help make up that 4%.

[Mixu62]

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I'm sure the 16/17 year olds who didn't get to vote in this election and the EU residents that didn't get to vote in this election and the Labour voters who now see the UK as a tory political vacuum and the Lib Dem voter who now realize that it's a straight choice between the UK and the EU will help make up that 4%.

Also if Twitter is to be believed, there will be tens of thousands of EU citizens currently resident in England, as well as thousands of pro-EU English heading northwards after brexit. Not that twitter is by any means an accurate source, but there may well be some who do so.

[RyeSloan]

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Also if Twitter is to be believed, there will be tens of thousands of EU citizens currently resident in England, as well as thousands of pro-EU English heading northwards after brexit. Not that twitter is by any means an accurate source, but there may well be some who do so.

What is this great march north in aid of?

[Hibbyradge]

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What is this great march north in aid of?

Personally speaking, I'll be coming up the road as soon as I can to help Scotland become independent.

[1875godsgift]

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Personally speaking, I'll be coming up the road as soon as I can to help Scotland become independent.

[Mixu62]

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What is this great march north in aid of?

Lots of pro eu people moving to Scotland in time for a referendum. If they boost the yes vote by another 1% it could be significant.

[danhibees1875]

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Lots of pro eu people moving to Scotland in time for a referendum. If they boost the yes vote by another 1% it could be significant.

I can see why pro-eu people around the UK could consider that as an option, but would people realistically change jobs, houses, and move away from friends and families in the hope that there might be a Scottish referendum, and that the outcome would be favourable, would result in EU status, and would all work out fine economically, socially, etc?

[Moulin Yarns]

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I can see why pro-eu people around the UK could consider that as an option, but would people realistically change jobs, houses, and move away from friends and families in the hope that there might be a Scottish referendum, and that the outcome would be favourable, would result in EU status, and would all work out fine economically, socially, etc?

Moving away friends and family? You would think it was the other side of the world and not up the M6. Not forgetting moving to a country with lower income tax, cheaper housing, more natural resources, and hibs.

[Pete]

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I think there are some good initiatives mentioned above, in relation to helping first time buyers. However, I do think they only tinker around the edges and won't solve the problem of house prices increasing at multiple times pay rises for forty years now. My parents' house cost 10,000 in 1980; today it's worth 250,000, yet nobody's pay has increased twenty-five fold during the same forty years. At the same time the number of council houses has plummeted, due to most of them being sold off. So today we find ourselves with one million people in temporary accommodation, including 135,000 children being raised in hotels and bed and breakfasts. It's shameful stuff.

Since the 1980s many building societies have been allowed to convert into commercial banks, thus profiteering has replaced community service. Banks can create money via loans, and give those loans to where return is highest - property is a cash cow for them. They are not interested in the moral dimension of having a home to live in. We need a publicly owned and democratically run banking system, in order to decide how money creation can best help everyone. We need a massive plan for council house building; houses which cannot be sold off on the cheap again. Government can help those wishing to move into the private sector, as stated above, but council houses are needed for those who cannot buy or do not wish to. We need the right of every person to a home to be enshrined in law. Just a few things to start with.

Agree. 'Tinkering around the edges' sums it up nicely.

Shelter should be a right and its comodification has become obscene.

[Mixu62]

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Moving away friends and family? You would think it was the other side of the world and not up the M6. Not forgetting moving to a country with lower income tax, cheaper housing, more natural resources, and hibs.

Also the prospect of businesses relocating to take advantage of a skilled, English speaking (well almost) country in the eu.

[heretoday]

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Lots of pro eu people moving to Scotland in time for a referendum. If they boost the yes vote by another 1% it could be significant.

So if the YES vote prevails by 51%/49% we go independent?

Isn't that a bit thin?

Come on Scotland! You gotta REALLY want it!

[Moulin Yarns]

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So if the YES vote prevails by 51%/49% we go independent?

Isn't that a bit thin?

Come on Scotland! You gotta REALLY want it!

Well, seeing as that is why the UK is making an arse of leaving the EU, then what difference does it make. A majority in a legal referendum against a majority in an ADVISORY referendum, which would you suggest has more credence?

[USAHibby]

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Well, seeing as that is why the UK is making an arse of leaving the EU, then what difference does it make. A majority in a legal referendum against a majority in an ADVISORY referendum, which would you suggest has more credence?

In the minds of unionists in Scotland, the actions of state Britannia always super seed those of their resident country, regardless of how undemocratic those actions are.

[heretoday]

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Well, seeing as that is why the UK is making an arse of leaving the EU, then what difference does it make. A majority in a legal referendum against a majority in an ADVISORY referendum, which would you suggest has more credence?

It's a referendum about creating an independent country - a huge step and reversible only with considerable humiliation.

I'd expect some social unrest if such a step was taken on such a slim mandate. It's unwise, and rather disrespectful to the country of Scotland. I gather that of the people who voted in the Catalan unofficial referendum over 80% were in favour of independence.

Now that's more like it!

[1875godsgift]

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It's a referendum about creating an independent country - a huge step and reversible only with considerable humiliation.

I'd expect some social unrest if such a step was taken on such a slim mandate. It's unwise, and rather disrespectful to the country of Scotland. I gather that of the people who voted in the Catalan unofficial referendum over 80% were in favour of independence.

Now that's more like it!

But it's perfectly acceptable to drag us out of Europe on a 50/50 vote?

I would say it was rather disrespectful to the electorate to move the goalposts according to the result you want.

[Ozyhibby]

After 300 years of union I would expect that if it’s such a good deal then they would be confident of gaining at least 60% approvals rating?


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[Moulin Yarns]

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It's a referendum about creating an independent country - a huge step and reversible only with considerable humiliation.

I'd expect some social unrest if such a step was taken on such a slim mandate. It's unwise, and rather disrespectful to the country of Scotland. I gather that of the people who voted in the Catalan unofficial referendum over 80% were in favour of independence.

Now that's more like it!

You are missing the point.

The UK voted 51% - 49% in an ADVISORY referendum with no legal status to come out of the EU, yet here we are being forced to accept the outcome. Any referendum on whether Scotland should be an independent country will have a legal status. That's also why referring to the Catalan referendum is rather daft, it wasn't legal. What was the turnout? Those opposed to Catalan independence just didn't bother voting.

[Radium]

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It's a referendum about creating an independent country - a huge step and reversible only with considerable humiliation.

I'd expect some social unrest if such a step was taken on such a slim mandate. It's unwise, and rather disrespectful to the country of Scotland. I gather that of the people who voted in the Catalan unofficial referendum over 80% were in favour of independence.

Now that's more like it!

Not an unfair point but one that has been overtaken by the EU vote.

It is an argument that needed to be won ahead of the 2014 vote, similar to the restrictions on the 1979 vote.

Now that we are implementing constitutional change based on a 51:49 vote backed up with 48% share of the vote in a general election, fair seems to have been thrown out the window.


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[danhibees1875]

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Moving away friends and family? You would think it was the other side of the world and not up the M6. Not forgetting moving to a country with lower income tax, cheaper housing, more natural resources, and hibs.

Feel free to trivialise it, but I'd consider moving to Liverpool/London/Anywhere in England as moving away from my friends and family.

Lower income tax and cheaper housing aren't guaranteed. People are probably more likely to be pay more tax moving up here, and housing prices would entirely depend on where they were moving from and to.

We certainly have Hibs though, no one else can claim that.

[lucky]

Income tax in Scotland is higher than in the rest of the U.K.

I doubt any significant numbers will move north because of Brexit. Scotland will become independent when the economic argument is won in the minds of the majority of the Scottish people. Clearly most on here support independence but it’s the No voters that need convinced going forward but too many in the Yes camp feel the best way is to shout down No voters concerns. I also believe the terminology being used turns people of. I voted No in 2014 and don’t regard myself as a unionist, I’m a socialist that wants the best for all people regardless off their postcode but I’m slowly coming round to considering an independent Scotland but it has to based on the offer to the people not just a promise of a better in Scotland in future years.

[danhibees1875]

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Income tax in Scotland is higher than in the rest of the U.K.

For those who earn above the national average wage, otherwise it's lower.

Unless that has changed. That's why we have the 19% and 21%btax bands either side of the 20%.

[Moulin Yarns]

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Feel free to trivialise it, but I'd consider moving to Liverpool/London/Anywhere in England as moving away from my friends and family.

Lower income tax and cheaper housing aren't guaranteed. People are probably more likely to be pay more tax moving up here, and housing prices would entirely depend on where they were moving from and to.

We certainly have Hibs though, no one else can claim that.

I've got family in Yorkshire and Essex, they are still family, they stay in touch.

I've got friends in Assynt who it takes longer for them to get to Edinburgh than it does to get to Birmingham from Edinburgh. They are still my friends and I see them 4 or 5 times a year.

I know someone who has moved from Sussex to Fife, where she could afford a 3 bedroom house instead of the one bedroom flat she was in.

In Scotland the average salary is £29,998, and you pay 1% less tax in Scotland between £12.5k and £14.5k, the same between £14.5k and £25k you would only pay more tax on earnings above £25k, so 1% above England on only £5k.

Happy to explain