Britain’s housing market isn’t just broken — it’s a ticking time bomb. 🏠💣
House prices are now 9x average earnings, mortgage costs have spiked, landlords are exiting, and corporate giants are buying up homes. The last time homes were this unaffordable compared to wages was over 140 years ago.
In this video, I break down:
✅ Why housing affordability has collapsed
✅ How corporate landlords like BlackRock, Lloyds, and Grainger are reshaping the market
✅ The growing generational divide between Baby Boomers and Generation Rent
✅ Why today’s system looks more like the 1800s aristocracy than the 2000s middle-class boom
✅ And why this all makes the UK property market a systemic risk for the entire economy
This isn’t just about house prices. It’s about who owns Britain’s future.
📊 What do you think? Is the housing bubble about to burst — or will government and banks keep it inflated at all costs? Let me know in the comments — I read them all.
👉 For more straight-talk on Britain’s housing market, hit subscribe. The more people who understand what’s really happening, the harder it is to ignore.
49 Comments
Britain's economy in 2025 can be summarised as: Find those with the fewest choices and squeeze them.
You are neglecting that the keynsian period was fueled by nationally owned fossil fuel reserves that have now closed down and the country has now been asset stripped by foreign owners so there are no real resources left. As you mention, even the new corporate landlords are now multinational foreign pension funds for other countries, extracting even further resource out of the country. The government is obsessed with getting more external foreign /loans (not investment)/ rather than proper internal /investment/
The reason is the population has grown by millions, but we build fewer than 200,000 a year.
We'd need 4 million more houses to have the same number of houses per person as France.
if the top 1% is 99% of the economy then the top 1% is the economy. There's no time bomb or ticking clock. If a house costs 9x your average earnings, then soon, you just won't be part of the economy.
One thing I would do is stop rent payments to Private Landlords from Universal Credit. Too much scope for fraudulent behaviour for one. For another, it would stop landlords artificially inflating their rents (particularly in areas with higher allowances, such as London), making it less lucrative for them to snap up all the affordable housing. At the very least this would cool rental costs considerably.
I firmly believe we need to let the housing market crash – because the “housing wealth” people keep talking about is completely imaginary. Yes, perhaps the number attached to your house value is much larger than it was twenty years ago, but if you ever want to realise that “investment”, you will immediately need to buy a new place to live. I want my children and other people’s children to be able to have real lives where they get to make all kinds of choices about what they do and where they live, and they will not have that chance if we keep feeding the pyramid scheme that is the current UK/North American housing market. Up must come with down, and it’s better to have that down before things get so bad that the fall destroys everything
Look at Jul 2022 ONS HPI. It reported a 15.5% yearly rise in house prices and bragged about by BoF at the time but all references now removed. Do the correct accounting calculations and the real figure 10.5%. They were using all using all salles between 01 July 2021 to al sale to July 2022 and calling it 1 year. The real annual rise was all the sales between 1 Aug 21 to all the sales up to 31 July 2022 (12 months rises). So what you say. People paid what they paid. Well these fraudulent figures were being manipulated by government to fuel house prices because it enabled them to fraudulently produce an extra 430 billion of Festering Real Estate Investment Trusts to fuel their Ponzi scheme . It is the biggest financial con in history. There are only ever 12 of anything in a year and not 13 – you can have 13 if using 4 week accounting periods for production N/A here. They used Jan to Jan or July to July etc. Look here at how many months they included and i have numbered them so you do not need to count on your fingers. 1. Jul, 2 Aug, 3 Sep, 4 Oct, 5 Nov, 6 Dec, 7 Jan, 8 Feb, 9 Mar, 10 Apr, 11, May, 12 Jun and the 13th is July. So 100% proof of a government Ponzi scheme in cohorts with the banks. Am I dumb or were they running the biggest Government Ponzi scheme in history. You decide and please comment.
In that period where you say Keynesian policies “worked” actually what happened is we built a giant Ponzi scheme that has devoured a significant portion of our country’s social, cultural and economic capital. We can’t cope with much more of this.
So we have reversed the trend back to the 1880s. The rich are buying everything
House prices as a multiple of income is not the right measure. It isn't what dictates affordability. For example, I was telling my dad (whose 83) how it wasn't fair that he could buy a house with a mortgage of 2.5 times his salary where as I had one that was nearly 6 times mine. But he pointed out that his 2.5 times salary mortgage took a larger proportion of his monthly take home salary each month than my 6 time salary mortgage took of mine. So, he asked, which mortgage is more affordable? Answer, mine. And this was in 2005, just before interest rates dropped from 4.5% to less than 1%, so this wasn't because of the silly low interest rates we have had. The issue is why the middle and d lower classes salary have not kept pace in the last 20 years.
You explained the housing crisis well but I didn’t hear a solution or any alternative models our country could employ. That’s because there is no housing market system in place globally that works.
said that the property will go down price!! now you said the property is going up !stop lying please!!
Oh and how the new consensus has worked for all of us.
Your analysis is fundamentally wrong, the big problem in the uk is the uk and lack of productivity, labor force hopefully underskilled compared to the eu.
Reduce stamp duty to 25% of what it is today allow two peoples say a man and wife wages to count for a mortgage and include a life policy for both of them plus a sick policy in case one becomes I'll and the goverment needs to help by paying a half of there mortgage for 6 weeks in times of need such as going in to hospital or having a baby these few things would put the economy back on track as all these people would buy new carpets new beds new funiture and so on the government need to unerstand peoples concerns about security in times of need
Really wanted to watch this… but just couldn't get past the Dalek-level vocal fry.
Many problems.
Many younger cannot obtain a job, trying for years nothing, genuinely.
So far no job, house prices x X also a problem.
Then for the past several years Marie people loosing jobs, and again cannot find employment.
Many trying to sell failing. Se eral I know, reduced more than 20% still next to no views, no offers.
Whole thing a nightmare
1:25 ? Trade unions aren’t part of Keynesian economic models? You’ve added your own twist there!
It’s no so much what we think works best, it’s what the powers that be choose to ensure they remain controlling and powerful
Good video
It’s all started with the Greedy buy to let landlords
Are corporate house owners not taxed more heavily?
The housing market is caused by democracy itself. You can't blame governments for giving what (a small) majority want. How many people who own a property want to see their house go down even a £100 000 for the good of the country. Get real.
This is garbage, a one-sided misreading of why the property market has gone crazy. In a nutshell there are two reasons: 1) property became a store of wealth for investors and speculators because Keynesian deficit spending destroyed money as a store of value, and 2) governments grossly interfered in the finance regs around mortgages and other lending practices, distorting incentives and perversing the market.
we really are rolling straight into being owned by corporations aren't we? jeez the boomers had it good and will likely die before they have to suffer the repercussions.
Good stuff but how do renters revolt?
'UK' when all your initial images dont include Scotland 🙄🙄 ridiculous
Tax Wealth NOT Work – reduce inequality.
Set Capital Gains and Dividend Tax rates to the same level as Income Tax.
I got lucky. I was looking at moving before the interest rates jumped. Instead I decided to stay and lock in at my current house / mortgage at 1.5%. Still got just shy of a year left. If we did move, I honestly think we would have had our home repossessed due to everything going on. Fortunately we’ve been able to manage and get back into a better position for the time being. Still tough though.
You talk about the UK but show maps of England. Thanks for disappearing me.
A lot of buy-to-let sales involve people who are allowed to go into retirement in the 40s and 50s, typically public sector workers. They envisage owning 2 or 3 properties and making a passive income, taking advantage of the housing crisis and assuming that their assets will always hold their value, etc. It’s disgusting.
There are practical solutions which together can rebalance the market in a manner which doesn't compromise the UK economy.
1. You ban any company or individual who is not domiciled in the UK from owning property in the UK.
2. You build and ringfence the building of 1,500,000 council houses, backed up with increased powers for compulsory purchase of housing and building land which has been left empty/fallow for more than 2 years.
3. Reform right to buy so that all monies received go into purchasing or building replacement housing stock.
4. Reintroduce adverse possession – aka "squatters rights" – with increased protection for homeowners against fraud and criminality.
There's the tax side of things as well. A wealth tax on property isn't going to help much, as they'll simply put up rents. Stamp duty for primary residences is too high, but on secondary residences is too low. On rental properties it is laughably low. Thresholds of £700,000, £250,000, and £100,000 will rebalance the tax load onto those wanting to bring housing into the rental sector, and alleviate the passage of property in the other direction.
On the rental side, laws akin to the German system can be introduced to provide renters with security of tenure. These enshrine long-term rental agreements, control rental inflation, and mean that even if a property is sold then renter retains their tenure through and after the process.
If anyone is serious about this problem, the one practical thing you can do is vote for a party which is committed to building council houses. When you talk to politicians you say you'll vote for whoever is going to build council houses. You put housing at the top of your list of concerns. You might have to hold your nose while you vote, as I do, but it's the primary reason why I vote Labour (does any other party have a reasonable commitment to house-bulding? If so then perhaps vote for them), despite their obvious problems. Anything else is just voting for the disastrous status quo.
Lots of channels on here with millions of subscribers offering terrible content – this channel is a little gem – very informative thank you for the videos
🦉🐯 $13.9M 🇺🇸vs🇬🇧 £325k – The UK kills off generational wealth of taxpaying citizens, you’re basically a battery! Just check the IHT thresholds (the point at which you’re taxed on your death), an individual US citizen (in 2025) has a lifetime estate tax allowance of $13.9M compared to an individual UK taxpayer who only has an inheritance tax ‘nil rate band’ of £325k (think about it, yes, seriously, a double-take moment right?!), I’ll let that sink in for a minute, both “govs”, or the crown in the UK, take 40% after those threshold “allowances”, again really think about it $13.9M 🇺🇸vs🇬🇧 £325k. The US allows for long-term generational wealth, the UK takes your wealth away!!!
The Green party manifesto on Housing makes interesting reading.
Any link to this and to Banks profits??
Thought so……
https://youtu.be/OkP5umkkpPA?si=nPdNlotLEDAmHBje is this an AI version of your video????
It's really drive me nuts , when political theoretical terms are used for brain washing and propaganda. Comunism, capitalism, bla, bla ….There are sumply cleverly and fairly ruled countries and … governments that will give/keep the advantages and wealth just to a tiny percentage of the population
Am hoping to by soon. 26g deposit ready but am worried that if i buy and labour ramp up taxes and the banks increase interest I would be in trouble
Going back in time council houses were available only to British people since then we have had large scale immigration who due to ECHR they got priority but in my time 76 years there have never to this day been enough houses despite many promises
Mega rich ruling class is covertly buying up homes to leave middle class the working class poorer
The latest data on arrears and repossessions shows a decline in both through 2025. Neither close to crisis levels. Yes, both picked up with interest rates rises through 2023 but from a low base after the pandemic.
Unemployment rate also relatively low and stable around 4.8%, so no signs of trouble there either.
UK banks are very well capitalised and balance sheets strong due to more stringent lending conditions. This is true of most US and European banks too.
Absent a sharp economic recession the above will not change.
Get on the ladder wherever you can afford – ideally a house and not a flat or new build – and play the game, or wait and most likely regret it.
Corporations will leave if they are taxed and we can always import more workers. Im afraid it might be all over.
I have been a landlord for 35 years when I bought my first house to rent we had FAIR RENT OFFICERS which stopped the greedy investors from gaming the system .I have sold off my properties as they come empty . Most have been bought by first time buyers ..In the North Lincolnshire you can still buy a house for under £100,000
haha, they've spent 15 years & untold billions propping the market back up & ensuring the 2009 crash was arrested & didnt become a 1990s decade of real terms stagnation at the bottom.
We're more likely to see proposals for 50 year mortgages like trump is doing than we are another crash.
The economics certainly point to a crash, but the politics quite something else. Accept it, the UK is a rent seeking, non-productive based economy…and there are plenty of third worlders willing to come in, and accept even a barratt box at x10 earnings is better than a tin shack in a delhi favela in order to keep those housing plates spinning.
The claim that you get stamp duty relief if you buy 6 properties in one go is false
Oh no! The wealthy’s children will no longer be able to own our children forever! House prices will fall, renters will be able to buy houses! How do we prevent this nightmare coming to pass?
The crash happens, everyone buys, prices go up again.
debts from the 2007 crash came from saving the banks. they should have been allowed to fail. debts cleared and then nationalized for 5 years. Governments have created the current mountain of debt. That debt must be erased/paid down and politicians prevented from repeating this disaster. lunatic politicians must be reined in. A government free from political sway, of national unity. This situation is eqaul to the second war..broadcasts explaining how and why we got here and the sacrificies that will be needed to recover. Treacherous banks and corporations. legislation to prevent the future sale of social housing or the ownership of domestic housing by any corporate identity. more to follow. ownership must be a legitimate expectation