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GTB · Bushton Bushwacker Joined: 05 Jun 2007 Posts: 2206 Status:

Does Calne need more affordable housing to meet the growing demands? Where will these new houses go etc?

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Local lass · Calnetalk Oracle Joined: 05 Jun 2007 Posts: 4792 Status:

no no no and no.calne already has enough housesand all further developement should be looked at hard.we do not need these lego town estates which are springing up with houses with no drives and the roads so narrow.

rosco · Posted: Tue Jan 27, 2009 10:12 pm Post subject:

GTB · Bushton Bushwacker Joined: 05 Jun 2007 Posts: 2206 Status:

There has to be affordable housing in every town - how else can a family get a foot hold on the property ladder? I take your point about the narrow roads and no driveways but the solution to that problem should be solved during the planning stages.
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Local lass · Calnetalk Oracle Joined: 05 Jun 2007 Posts: 4792 Status:

they now mix afordable houses with private houses which isnt a bad idea as they all blend in.to do a block of afordable houses then they should definatly not do that.you only have to look at the new stokes croft to see that the houses there are a eye sore where the wood is not treated .great idea in theory and they looked quite good for the first year but now they all look that they have been fire damaged where the wood has gone black .

Peter Dolman · Posted: Thu Jan 29, 2009 7:45 pm Post subject:

all new housing developments will only be passed by planners if there is an agreed number of "affordable" houses included in the development.

the actual numbers built per hectare is laid down by the planners (not sure what that number is as it keeps changing) and this is part of the reason why we now have skinney houses with 3 or even 4 floors and no gardens.

what i would like to know is what is an "affordable house" as i have yet to receive a definative answer to that question, anyone out there confident to give me one?
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A lifelong Calne supporter

rosco · Posted: Thu Jan 29, 2009 10:04 pm Post subject:

GTB · Bushton Bushwacker Joined: 05 Jun 2007 Posts: 2206 Status:

I suppose affordable housing would possibly equate to 3 or 4 times your salary if your on the minimum wage? It's a definition that is hard to pin down really.
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Peter Dolman · Posted: Thu Jan 29, 2009 10:38 pm Post subject:

on minimum wages a 40 hour week would be approx£12-£14,000 per annum. to obtain a mortgage with a minimum 25% deposit and a maximum ratio of 3.5 to 1 would be realistic in todays market place. this would mean buying a property for approx £56,000 to £64,000.
if that is the case house prices have some way to fall.
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A lifelong Calne supporter

Chepfer · Posted: Fri Jan 30, 2009 3:10 pm Post subject:

Affordable housing relates to social housing, not private.

Social housing allows people on a low income to rent a proerty of there own at a low weekly rent.

This home may then be purchaced under the governments "Right to buy" and "right To aquire" shemes, when they are able to afford it in the future.

Other affordable housing schemes include the Low cost housing scheme (was shared ownership), in which you pay a mortgage on half of the property while the landlord pay the other half .... you gradualy pay for more and more of a share in a property until you can afford to have a mortgage for the whole amount.

I guess the term affordable would be attributed to "Living in a house that you can afford to live in" whether rented or owned.