{"id":5474,"date":"2022-08-03T22:10:52","date_gmt":"2022-08-03T22:10:52","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=5474"},"modified":"2022-08-27T07:58:23","modified_gmt":"2022-08-27T07:58:23","slug":"the-question-of-affordable-housing","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/homes\/the-question-of-affordable-housing\/","title":{"rendered":"The Question of Affordable Housing"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/the-question-of-affordable-housing\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/the-question-of-affordable-housing\/#How_Affordable_are_Houses_Right_Now\" >How Affordable are Houses Right Now?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/the-question-of-affordable-housing\/#Why_is_it_now_more_difficult_to_buy_an_affordable_house\" >Why is it now more difficult to buy an affordable house?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/the-question-of-affordable-housing\/#What_are_the_solutions_to_affordable_housing\" >What are the solutions to affordable housing?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/the-question-of-affordable-housing\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions.<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Everyone wants to own their own home, it\u2019s their dream and most achieve it. Back when our parents and grandparents were buying houses, they were a lot cheaper than they are now. In the old days a house would cost \u00a320,000, nowadays that would just be above the average deposit rate. Nowadays house prices are much higher, and many seem to think that where aren\u2019t many affordable houses. In this article we look at the current housing market and explain it simply.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Affordable_are_Houses_Right_Now\"><\/span>How Affordable are Houses Right Now?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/www.ons.gov.uk\/\">The ONS<\/a> (Office for National Statistics) has recently published a report on house prices. The report acknowledges that house prices have increased dramatically over the past two years. However, it also reports how the average house price costs nearly nine times the average national salary. Again, looking at the ONS the average UK salary is \u00a325,971. Meanwhile the average house price is \u00a3278,00.<\/p>\n<p>Earlier we spoke about how many years ago it was a lot cheaper to buy a home. Now of course accounting for inflation people earned a lot less however, that\u2019s not the only factor. The average UK salary in 1980 was \u00a36000 yet the average house price was \u00a323,287. In 1980 that meant that house prices were 3.8 times higher than the average wage, in 2022 its 8.7.<\/p>\n<p>This has led to many housing experts to say that buying an affordable house is simply a fantasy. Many are confused at whilst the growth of house prices has been rapid the growth in wages hasn\u2019t. This has led many to speculate and show concern at this seemingly bleak future.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_is_it_now_more_difficult_to_buy_an_affordable_house\"><\/span>Why is it now more difficult to buy an affordable house?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One thing we have to take straight into account is inflation. We all know inflation is high right now, it\u2019s at it\u2019s highest for many decades and this will have an effect. When inflation is high that means everything else becomes more expensive however, this is not the sole reason for the lack of affordable housing.<\/p>\n<p>The main issue is that if we compare to 1980 there just simply aren\u2019t many houses. Back in 1980 the population of the UK was 56.31 million, today its 67.2 million. Whilst the population has increased by nearly 11 million, we haven\u2019t been building as many houses to meet the demands. To put it simply lots of people want houses, but there aren\u2019t any available. This means that affordable housing becomes more and more difficult because they are lots of people clamouring to get one.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_solutions_to_affordable_housing\"><\/span>What are the solutions to affordable housing?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The obvious solution is to build more houses but its more complicated than that. The UK is a small place and there are currently limited available brownfield sites left. This then begs the question do we build on greenfield sites? These are sites that have never been built on before and we would be destroying large amounts of greenery in the country. This is why in many cities like London we are seeing modern new tower blocks being built. With these we are able to home far more people in less space as regular houses and they are quickly becoming popular.<\/p>\n<p>There are also plenty of schemes that help out first time buyers get onto the property ladder. These include the first homes scheme and lifetime ISA\u2019s. To read more about these <a href=\"https:\/\/www.check.co.uk\/blog\/the-housing-crisis-explained\/\">click here!<\/a><\/p>\n<h3 style=\"font-weight: 400;\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"font-weight: 400;\">If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/home.credit-score.com\/&amp;source=gmail&amp;ust=1661250281502000&amp;usg=AOvVaw3DLzdwOokWdYYiAWepaOZb\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n<p style=\"font-weight: 400;\">More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.check.co.uk\/register&amp;source=gmail&amp;ust=1661250281502000&amp;usg=AOvVaw1y4bwW3ZreyR4AVsqelp8F\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n","protected":false},"excerpt":{"rendered":"A recent report form the ONS has made for some bleak reading. In it we can see house prices surging and becoming more and more difficult to afford. In this article we take a look at the report, what the issues are and their possible solutions\n","protected":false},"author":20,"featured_media":5693,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[475,514,474,517],"tags":[506,507,508,479,470,477,734,616,765,571,670,766],"class_list":{"0":"post-5474","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-first-time-buyers","8":"category-first-time-buyer","9":"category-homes","10":"category-latest","11":"tag-buying-a-home","12":"tag-buying-a-home-for-the-first-time","13":"tag-buying-a-house","14":"tag-buying-first-home","15":"tag-first-home","16":"tag-first-time-buyer","17":"tag-first-time-buyers","18":"tag-first-time-homebuyer","19":"tag-housing-crisis","20":"tag-housing-developments","21":"tag-housing-market","22":"tag-uk-housing-market"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/08\/pexels-andres-ayrton-6579051-1.jpg","author_info":{"display_name":"Oliver Rose","author_link":"https:\/\/www.check.co.uk\/blog\/author\/oliver-roseaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Question of Affordable Housing | Check.co.uk - See the problems your credit score hides<\/title>\n<meta name=\"description\" content=\"A recent report has found that affordable housing is becoming more and more difficult to find. 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