From Wiggia
Along with many couples of a certain age my wife and I are wanting to downsize. All well and good and in the current climate it could be seen as a worthy contribution to the country’s housing woes regarding a lack of larger houses for larger families. This is the lead on an article about the governments intentions…….
Pensioners
with large family homes will be given incentives to downsize in a drive to
solve the housing crisis.
If only it were that easy. Firstly from an
entirely selfish point of view I don’t give a stuff about other people’s housing
problems. Having spent all my working life reaching a position where I can live
in some sort of comfort all at my expense and effort, I am not inclined to want
to “help” others who are not prepared to make the same sacrifices we did to
achieve our end goal. And today they don’t. Nobody said it was easy and there
certainly are more problems re expense than in our day but you have to help
yourself and that for many today is not in their vocabulary. Help from others
yes, help yourself - err maybe.
But I digress. The government’s proposal is a classic spin operation, the “help” they are promoting is getting older
people to give up their “large” homes and move into sheltered accommodation. The
help apart from paying moving costs is a bit vague though the use of a paint
brush is offered. And the ceiling for helping with a stamp duty free move is
250k not a lot of big houses below that figure anywhere in the country, so in
fact they are offering bugger all, and in fairness why should home owners be
offered incentives to move with more tax payers money? Not of course that any
real incentive is being offered or even spoken about. Give me a million and I
will happily move on. So I think we can safely say not much will change from that source anyway.
The real dilemma for all those facing
downsizing or wanting to, apart from those as my Australian friend says are
“wanting to move to the waiting room” is simply finding an adequate property in
the first place. Before we moved to our current property four years ago we were
wanting to downsize from the last one, it became an impossible search. There
were several reasons and most would apply to anyone wanting to take the plunge.
Firstly most people having had their pensions
robbed by Gordon Brown are seeking to release equity from their homes to
supplement lifestyle by downsizing, but the costs of moving and legal and
estate agents fees have to be factored in as the likelihood of spending on the
new property either in improvements, new kitchen and the like plus the
inevitable redecorating. Many older people are past the DIY stage and will have
to pay someone to do it.
All of this further reduces if a cash
profit is part of the aim in moving to a property further down the chain than
first envisaged, and once you start actually looking using that criterion you
realise it not only reduces the cash available for purchase but also inevitably
means you will be looking in areas that you thought you had left behind years
ago. Nothing snobbish in not wanting that. I was raised in a prefab post war
and was living with my parents until I married in a council flat in London's
east end. Why would anyone want to go back to anywhere like that having managed
to crawl out of there years before?
I exaggerate to make a point, but not
totally as it depends on the money you get for the house you’re selling. For many people at the lower end of the housing market it makes no sense to move at all so they stay put until such time as “Gods waiting room” beckons. Small incentives from the govt to move there are not going to cut it with most older
people who can still survive on their own and are happy in that environment
rather than moving to one where they are living with others in the same late
stages of life and spend a lot of time wondering which of their neighbours is
next. “Sod that”, is a phrase that comes to mind.
For others like myself we simply could not
find a place that came anywhere near the criteria we had set, and we are very
flexible as to where we could go, having few family ties. If a house was found
in a suitable area it needed far too much spent on it or had miniature rooms. We
don’t want the same number of rooms but would like the main ones to be bigger
than the “you can’t swing a cat” variety and as soon as you start looking at downsizing these are
some of the problems that arise.
One item I can happily? forego is a large
garden. It is something I have always cherished and always had and my business
that I had and my love of having that space to do as like with is not easy to
give up but advancing years mean that is now not a problem. A case of been
there done that, and whilst an acre that we currently have is by no means the
largest plot it is still quite daunting when you realise that you simply might
not be in a position to do it justice, a position I found myself in last year
when hospitalised.
As I said we could not find anything and
our current property came up and despite needing a lot of updating, a last
hurrah for me, it turned out well, but of course did not solve the problem, a
problem now more urgent to solve because of the four further years of advance.
Naturally the preferred solution for the
government would be to force all old people to emigrate releasing all those
large houses for the millions they have imported over the last 15 years or so
with their large dependent families. And as the older generation are the reason
for almost all ills, an easier option for the blame game than to ever admit
they have made and are still making a catastrophic mistake themselves. It suits
the narrative to a tee. That of course is not going to happen and perhaps the
withdrawing or curtailing of NHS services will do the job for them , a path
that appears to currently in favour, with older people finding that getting to
see a doctor is less likely than winning the lottery the effect of that must be
felt soon.
I also read somewhere about a scheme where
current suburbs could be bulldozed and high density housing put in its place, a
solution that works well as Heinrich Himmler proved some years back.
On top of all these material problems is
the whole saga of moving in itself, said by many to be more stressful than a
divorce. I cannot vouch for that yet the culmination of a dozen or more moves
has not made the process any easier. I really could write the book on the
perils of moving. Far too long and tedious to relate to here, but as a flavour
of what I might have revealed in full, a first move where the exchange of
contracts took place and the lady ! who we were buying from changed her mind an
hour later. This was ‘75 and the signed contracts were posted. Her solicitor
was a family friend and when she phoned to say she had changed her mind he told
her they had not yet posted her contract and didn’t. Ours had gone, no redress
and a lot of expense. It was legal to do that in those days though rare as an
event.
After that it was all downhill , you name
it we have suffered it, and not once has anything we have done been reason or
effect. Mindblowing. Throw in two incompetent solicitors in the mix who had to
be sued for failing to do their job properly and I think you may get an inkling
of what I think of a system that has never been overhauled to help make the
process less stressful and fairer on the innocent parties when things go wrong.
The book is in the offing, and actually some years back when I was telling the
tale to someone who was working for a publishing house at the time did suggest
it could be worthwhile. Mind you the time taken in writing a book on a subject
that takes all my time anyhow is a non starter - or maybe not ?
I repeat when you get older all this is a
very good reason for not moving. I cannot imagine how an older couple would
react to any of our sagas especially if they have never moved or not for many
years. On the other hand it might just be God’s will that I should shoulder the
wrongs of the system on behalf of all humanity. A sort of sacrificial house
mover. At times I have believed it so.
Another snippet from my life as a
professional house mover - the viewer. We have certainly had some wrong ‘uns over the
years, but there is always room for one more category, and at our last property
we had a viewer turn up in a people carrier with mother in tow. Not especially
unique but never wanted as they try to enforce their view on the whole process
whilst not actually buying anything. All was normal until we finished showing
them round. As I looked back returning to the house I saw mother get out of the
vehicle having just got in and spread a blanket on our lawn. I went back and
was about to say what is going on when the husband/son asked if they could have
lunch there.
Now I am an easy going sort of person
normally and if he had asked and they had traveled a long way I may have said
OK, but we were going out and I asked him to leave, nicely. With that he then
told me they go house hunting on a regular basis, with no intention of ever
actually buying anything. They are house voyeurs. To be honest I could not
believe he had actually said that to my face and had to remove myself before I
splattered him all over the herbaceous perennials. They then left in their own
good time and no doubt we have had the same type before. It would be difficult
to tell, and I am told it is an increasing leisure pastime, but to actually
admit with no sign of any guilt to wasting everyone's time was a first.
So the quest to downsize continues, we will
make it eventually, yet as before the pitfalls await no doubt in some new
untried by us form, never the less downwards on onwards.