1st time buyers in the
North West will need £44,000 salary to afford an average home by 2020
TYPICAL 1st time buyers will need to
earn £44k a year by 2020, new research by housing and homelessness charity
Shelter shows. This is more than 15% the £38k needed for a typical 1st time
buyer's mortgage today. Do you agree with this statement? if you do
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On top of this they would need a typical deposit of £25,000 to keep up with
rocketing house prices in the region, which are projected to rise to £165,000
over the next 4 years.
The research looked at the salary and deposit needed for the average 1st time
buyer today, and calculated what they would be in 2020 if they grew in line with
projected increases in house prices.
These figures come as no surprise given that, over the last 5 years, the
region's severe housing shortage has seen house prices rise 3 times faster than
As the Government's Housing Bill passes through the House of Lords, Shelter is
warning that, unless the government commits to building homes that people on
ordinary incomes can actually afford, the situation is only likely to get worse.
Campbell Robb, Shelter's Chief Executive, said:- "When house prices are
increasing three times faster than the average wage, it's no wonder people on
ordinary incomes are being locked out of a home of their own. With the situation
only set to get worse, Generation Rent will be forced to resign themselves to a
life in expensive, unstable private renting, and wave goodbye to their dreams of
a home to put down roots in. It doesn't have to be like this. The Government has
the power to turn our housing crisis around, but only if they stop with schemes
like Starter Homes which only help higher earners, and start investing in homes
that people on ordinary incomes can actually afford to live in."
Case Study:- Mike, a nurse, is currently
renting and has had to move because of high housing costs. "On a
nurse's salary and with house prices so high, I can't see how I'll ever own my
own home. At the moment, it feels like nothing more than a pipe dream. I'm stuck
renting and looking at moving away from where I currently live because rents
have gone up so much as well. It just seems so unfair; if you work hard, you
should be able to afford a place to call home."
New reports lay bare endemic
use of insecure teaching contracts in Merseyside Universities and Colleges
LIVERPOOL School of Tropical Medicine,
Edge Hill University and Southport College are amongst the UK's worst offenders
for insecure employment of academic teaching staff, according to sister reports
on precarious employment that has been published, on Friday, 15 April 2015, by the University and College
The report on higher education finds that 62.4% teaching staff at the Liverpool
School of Tropical Medicine are employed on an insecure contract, placing it
13th in a UK wide 'insecurity index' for precarious employment practices. Edge
Hill University is also listed in 42nd place with 43.7% of teaching staff on
The Union's sister report on further education names Southport College in the
top 50 worst offenders for insecure employment, with 44.8% of staff employed on
non permanent contracts.
The reports state that, overall, 49% of teaching staff at UK Universities and
34% of teaching staff at UK Colleges are on insecure contracts. Anecdotal
evidence backed up by research suggests that insecure contracts undermine
teachers' ability to do a good job as they often have poor access to basic
equipment and facilities, can only get their job done by putting in unpaid
hours, and are constantly stressed about future availability of work.
In January, the Union wrote to all universities and colleges asking them to stop
using 0 hours contracts and to work with UCU to review the use of all forms
of non permanent contracts. The Liverpool School of Tropical Medicine, Edge Hill
University and Southport College all failed to respond to the letter.
UCU general secretary, Sally Hunt, said:-
"The report shows there is a damaging 'hire and fire' 0 hours culture flourishing in our colleges and
universities. The worst offenders such as the Liverpool School of Tropical
Medicine employ a significant majority of their teaching staff on insecure
contracts, but many more institutions are relying far too heavily on them.
We know that a teacher's ability to do a good job is compromised if they are on
an insecure contract. We need colleges to engage in better workforce planning
that gives staff stable jobs. Such a huge proportion of insecure contracts has
real potential to undermine the future of high quality education at these
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