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Unfortunately, many prospective owner-occupiers have been priced out of buying their own homes. This article aims to explore what can be done to help 21 to 35 year old 1st-time buy-to-let investors own their first property.


On a personal note, my wife (Kathrine) and I have 30-year-old children who have all but resigned themselves to renting property now and into the future.


What can be done, by the government and UK buy-to-let property organisations, to help the next generation?




  • Galloping house price values
  • Greater governance over mortgage applications, and
  • Affordability hurdles, aligned with low salary increases it at all surprising that this age group is really struggling?


A complete generation of private renters has emerged and this will increasingly be the norm for the 20 to 35 age group.


Housing Survey Shows Grave Situation


Here are some UK-wide statistics, from the government's English Housing Survey Report for the 21 - 35 age group:

•    37% Own their own properties

•    36% Rent flats, apartments, studio flats or bedsits

•    16% Live with parents or family

•    10% Moved out of home but had to return

•    2% "Sofa-Surf" 

I cannot find an actual number of people that this situation is affecting, but it would suggest a seismic change in housing dynamics that for an entire 20 year age range, only 37% are able to purchase their own home.

The key question is:


"Who is going to satisfy this rental demand or help this generation own their own home?"

From a lettings prospective, all of the demand from our prospective tenants is being satisfied (completely) by private landlords, despite the government making it increasingly difficult for this group of landlords.

Perhaps local and central government will be able to raise money to embark on a major building plan to house this rental generation? Unfortunately, this is looking doubtful..


What are the other options?


HMO’s (Houses of Multiple Occupancy) - Are They a Viable Option?


Since 2010, under permitted development, shared houses or Houses of Multiple Occupancy (HMO's) have, to some extent, taken the pressure off finding rental property for would-be owner-occupiers and 1st time private property investors.

A HMO is a number of unrelated people renting a room, in a shared property, where the tenant shares a kitchen and communal space (and in some cases a garden) and most rooms have en-suite washing facilities.


  • Rooms are let out, with all bills included
  • A professional cleaning team arrives every two weeks to clean and maintain your property


We have helped a variety of HMO owners, throughout Hertfordshire, to find tenants who are looking to professionally-share properties and rooms-to-let, just like yours. 


For the majority of our professional tenants this provides a safe, high standard home to rent, often near local amenities and public transport.  


Right to Buy Schemes


Some of our friends have just completed a house purchase under the Right to Buy scheme. They seem pleased with their purchase. It did take quite some time to complete and they are now saddled with a mortgage and the government own part of their home. Both have very well paid jobs and the property is located in the middle of the country.

Perhaps more of these types of schemes need to be developed, with a help-to-rent scheme, with a gradual transfer of ownership during the term.


The Future


I think there are some tough questions that government and us (as a society) need to ask ourselves. I am not sure if there's an answer to all of these issues and, without sounding political, you have to ask why private landlords seem to be getting a hard time.

To discuss the points raised in this article, please contact me - either I (or one of our friendly staff) can discuss your options with you.



Next Steps:



We look forward to serving you!



Generation Rental