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Brixton news, rumours and general chat - July 2017

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85k for 25% share...plus £540 month rent on the other 75%...plus £170 (I'm assuming a year) service charge...

Hardly affordable housing aimed at those most in need of it....

that service charge will almost certainly be per month.
 
Can anyone do the sums to arrive at what kind of income you'd need to be able to live in one of these 'affordable' flats?
 
Probably around 30k+
£30k is about £2K a month for single person getting no extra allowances breaks but paying no student loan. You need anout £1100 to pay for everything assuming a £10k deposit on the £100k mortgage.

Somebody earning 30 grand a year would left with £900 a month to live on by my calculations. £600 after a zone 2 travel card and gas and electricity?
 
People get by on less after paying out all their shit....
Thing is, any of the people who truly, desperately need (guffaw) affordable housing and could maybe just scrape together the dosh for these are unlikely to get a look in or even be aware that they're up for grabs.

Anyone looking to invest into these “high specification homes” was invited to book a place at their launch event on Thursday 18th May 2017. Except that it’s already sold out.
Brixton’s regenerated Guinness Trust becomes the trendy Electric Quarter for private owners
 
Thing is, any of the people who truly, desperately need (guffaw) affordable housing and could maybe just scrape together the dosh for these are unlikely to get a look in or even be aware that they're up for grabs.

Actually, I had apart buy/part rent back around 2000, and I'd secured my flat a good 6-8 months before they had completed the build....
 
£30k is about £2K a month for single person getting no extra allowances breaks but paying no student loan. You need anout £1100 to pay for everything assuming a £10k deposit on the £100k mortgage.

Somebody earning 30 grand a year would left with £900 a month to live on by my calculations. £600 after a zone 2 travel card and gas and electricity?
You also have to factor in the bank's lending criteria - they're quite strict these days, and even if a customer thinks they may be able to scrape by, the bank may disagree with their sums & still not lend. Ever since the financial crisis they've been a lot more cautious, they like people to have a bit of wiggle room in their finances. Consequently that makes it even harder for those who are only just able to afford the mortgage.
 
You also have to factor in the bank's lending criteria - they're quite strict these days, and even if a customer thinks they may be able to scrape by, the bank may disagree with their sums & still not lend. Ever since the financial crisis they've been a lot more cautious, they like people to have a bit of wiggle room in their finances. Consequently that makes it even harder for those who are only just able to afford the mortgage.
I suspect quite a few of the new tenants will be Mum and Dad-assisted young professionals from relatively well-off backgrounds. After all, that's the kid f demographic that all of these new builds are aimed at. "Come to vibrant Brixton and dance on the grave of the creativity you're displacing" etc etc.

#bitter
 
Shit. Earlier on saw a vodka-swilling young lady walk straight into the path of a car behind her on Brixton Road. Luckily the driver was alert and just managed to brake in time. Phew.
 
You also have to factor in the bank's lending criteria - they're quite strict these days, and even if a customer thinks they may be able to scrape by, the bank may disagree with their sums & still not lend. Ever since the financial crisis they've been a lot more cautious, they like people to have a bit of wiggle room in their finances. Consequently that makes it even harder for those who are only just able to afford the mortgage.
Absolutely. To get the mortgage you'd need to be fully free of all debt including overdrafts and credit cards.

Long way from the 100% self certified mortgage I got from northern rock in 2003.
 
Chuka is on radio 4 Any Questions. Asked about staying in the single market. He came out with a load of waffle. On the one hand on the other stuff. On the one hand his relatives in Nigeria now have middle class life. Thanks to globalisation. Well the guy I know here from Nigeria complains about the inequality of wealth and power in Nigeria. Chuka said he is not one of those who say how bad globalisation is ( go at the left imo). As he has as an his example of Nigeria that globalisation has increased size of middle class.So globalisation is good.

All shows where he is coming from.

He did say that there are those left behind by globalisation in this country. ( And Nigeria as my Nigerian acquaintance told me but Chuka does not talk to the same Nigerians as I do).

( He didn't say that the problem with globalisation is that it's only one kind. Neo liberal globalisation. )

So he says this country should negotiate to stay in the single market. He is now saying the single market is progressive. Workers rights etc. ( I don't know is where he gets that from. It's incorrect imo) Then straight away says this country should be harder on immigrants. He wants to stay in the ( imo neo liberal) single market and deport immigrants who can't get a job in three months. ( As an aside was told by Labour party friend of mine that at recent meeting Chuka reckons the white working class need placating so harder line on immigrants is needed. )

There is nothing liberal or progressive about his position. Annoying no one on panel took him up on what he said.

Even Prospect online magazine. The news media for Blairites criticise his position.

The Chuka amendment would have hindered Labour on Brexit | Prospect Magazine
 
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Have you been to Nigeria? Or worked there? Capitalism there forms part of the post colonial legacy in a nation with far greater extremes of wealth & opportunity; with subsistence agriculture, to high finance with global supply chains and new markets (enormous) attracting external attention. It's difficult to criticise or to understand from your (and our) relatively wealthy and secure white western background unless you can perceive it from a farmers perspective in somewhere like rural Binji, who probably has more pressing matters with the crop than debating neo or other forms of liberalism.

Anything chukka says is based on advancing chukka the brand. Probably best to ignore it or realise that he wants a new 'labour' party of right of centreist policy. Besides that there's too many skeletons in his closet for when he climbs a rung or two.
 
Thing is, any of the people who truly, desperately need (guffaw) affordable housing and could maybe just scrape together the dosh for these are unlikely to get a look in or even be aware that they're up for grabs.

As Brixton Buzz article shows so called " affordable" housing is nothing of the sort. Betiel got rehoused but under the new "affordable" regime. Which means if you are on low pay you are permanently claiming benefits.

The rebuilt Guinness Trust estate rehouses most of the old Guinness Trust tenants on the old social rent. Apart from the shared ownership the other so called affordable section is rented under the new "affordable" up to 80% of market rent for area. The way housing association do it is to set it so it does not go over the governments benefit cap. It does however mean many working people are in the benefits trap.

If an old tenant dies , who was on the traditional social rent, the flat on the estate get let out on the new " affordable" rent up to 80% market rent with a less secure tenancy.




The whole way housing association work now is far from what they are set up to do.
 
Have you been to Nigeria? Or worked there? Capitalism there forms part of the post colonial legacy in a nation with far greater extremes of wealth & opportunity; with subsistence agriculture, to high finance with global supply chains and new markets (enormous) attracting external attention. It's difficult to criticise or to understand from your (and our) relatively wealthy and secure white western background unless you can perceive it from a farmers perspective in somewhere like rural Binji, who probably has more pressing matters with the crop than debating neo or other forms of liberalism.

Anything chukka says is based on advancing chukka the brand. Probably best to ignore it or realise that he wants a new 'labour' party of right of centreist policy. Besides that there's too many skeletons in his closet for when he climbs a rung or two.

It was not me who brought up Nigeria. It was Chuka. Who comes from a priveleged background. Have you talked to working class Nigerians? I gave an example in my post of Nigerian I personally know. A working class Nigerian I,who has plenty of pressing concerns),, yet sees a the bigger picture. It's a patronising of you to think that poor Nigerians have "more pressing matters," to think about. That ordinary people are not able to have political point of view. I had a lot of interesting chats with my Nigerian friend in the shop he worked at. ( He went back. Visa issues)).Also Indian guy who ran the shop. You should get out more before making assumptions about who I mix with. Where I get my understanding of society from. I read but that's not all of it. And I resent the implication I some kind of white lefty who doesn't know how the real world works.I get a lot of what I know from mixing with the working class of many countries who work here.
 
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Over my time in Brixton I've attended local community consultation meetings. Tried to engage rather than just not take part. But I noticed now Brixton Bid, Pop, Brixton Green and Council all thinking the same way. They have bigger presence at meetings now.They are running the show now in Brixton. Im just on the sidelines. I like Brixton Pound but they are in danger of being co opted imo.

Your message resonates with me and I agree that organisations tend to end up dominating these discussions rather than individuals. Which is probably stating the obvious, but then it must feel somewhat futile to be invited and as you do, try to engage.

Re. your final point, I can only comment on the B£ part of this but I don't believe that to be true at all. Apart from the fact that we have worked *with* Lambeth on various projects over the years, 'co-opted' suggests that we are pulled away from what we want to do and how we go about it due to some other influence, and I can assure you that hasn't happened at all.
 
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