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  1. K

    Politics, politics, politics (so long and thanks for all the fish)

    All mortgage lenders are regulated by the FCA and all mortgage contracts are subject to the FCA's conduct rules and the PRA's prudential rules. As I've said the difference may be that a BTL mortgage that isn't deemed a consumer product isn't subject to MCOBs, which is the FCA's specific...
  2. K

    Politics, politics, politics (so long and thanks for all the fish)

    And the thing is, what they're saying they want landlords to be public and corporate. But the cost of running a house is the cost of running a house. Rents have got to cover not only the inherent cost of running a house, but the wages of those that administrate it (which a homeowner or many...
  3. K

    Politics, politics, politics (so long and thanks for all the fish)

    £1.7 billion across the whole country is barely enough to put a new treatment centre in every county. To redesign the sewer system completely for current and future use will cost 100s of billions. Possibly even over £100 billion for any county with several large cities where highly complex...
  4. K

    Politics, politics, politics (so long and thanks for all the fish)

    Well if *all* profits are put into infrastructure then there isn't a viable private enterprise there anymore. But let's say you nationalise them all. Thames water for example has had to be bailed out and last pre-tax profits were £157 million. That would barely pay for one extra treatment...
  5. K

    Politics, politics, politics (so long and thanks for all the fish)

    What looser regulation exists around BTL mortgages? Corporate BTL yes, as a corporate BTL mortgage isn't regulated under MCOB rules. A consumer BTL mortgage (taken out by the type of landlord Gutterboy wants to get rid of from the market) is as regulated as a residential loan.
  6. K

    Politics, politics, politics (so long and thanks for all the fish)

    Thing is though is it's one of the things where you have to ask yourself "why?" Because governments (actually both Labour and tory) have hammered landlords already and rents have risen as a result. I work in the banking industry and working for a traditional incumbent it *was* a bit of a stich...
  7. K

    Welcome Ange: To Dare is to Didgeridoo

    I have to say, of ALL the players to try and dig out over your spurs supporting life....fudging hell
  8. K

    Politics, politics, politics (so long and thanks for all the fish)

    I think it will tax casual private landlords out of business. Anybody with a decent property portfolio will just transfer them all to a company or some other structure that they are then in control of. Limited company will be able to offset income against costs and pay dividends and directors...
  9. K

    Politics, politics, politics (so long and thanks for all the fish)

    Not letting them off the hook, some of then haven't been reporting accurately the number of times they're having to do it to avoid penalties. Its just the fact that people think nationalisation would stop the discharges. It won't. They'll continue to get worse without central government...
  10. K

    Politics, politics, politics (so long and thanks for all the fish)

    There's quite a sizeable parliamentary tory party to be fair, including 273 members of the House of Lords along with the commons and the raft of candidates whether now seamless or not that I'd also include in the "parliamentary party" which is the part of the party that actually has to come up...
  11. K

    Welcome Ange: To Dare is to Didgeridoo

    Totally agree. Think Harry clearly loved playing under Mourinho particularly as he felt he had a manager that matched his own mentality. Think he felt similar under Conte, but having witnessed two "guaranteed trophy" managers get more and more exasperated with the players and club in general...
  12. K

    Politics, politics, politics (so long and thanks for all the fish)

    Illustrating the point rather well there :)
  13. K

    Politics, politics, politics (so long and thanks for all the fish)

    Housing does need a total rethink. Funny how nobody is really grasping the true root cause of the current regular dumping of sewerage into rivers and seas. Prevailing view is that this is due to privatisation and greedy water companies. In reality housebuilding and population growth far...
  14. K

    Politics, politics, politics (so long and thanks for all the fish)

    He's very popular. But marmite in that you either like him or hate him. There's little in-between. The reason why I don't think there will be a merger between Reform and Tories is that while tory voters and members quire like farage, the parliamentary tory party are quite allergic to him and...
  15. K

    Politics, politics, politics (so long and thanks for all the fish)

    The discussion was around whether Tories have lost SE England to the Lib Dems semi-permanently after merging with Reform. I will tell you now if Farage manages a takeover of the Tory party the Tories will easily win back not only all the traditional seats they lost, but many of the "red wall"...
  16. K

    Politics, politics, politics (so long and thanks for all the fish)

    Tories have had between 30,000 - 40,000 votes in Horsham in every election post 2005 and in every post-war election prior to 1997. Tory vote also stayed at home during Blair years along with bit of tactical voting (which wasn't enough for the Lib Dems to take the seat off them). A successful...
  17. K

    Politics, politics, politics (so long and thanks for all the fish)

    So Horsham is a pretty good example of what I'm saying. The Lib Dem gain in Horsham (from 14,773 - 2019 to 21,632 - 2024) is circa 7,000 votes. The Tory loss in the same seat (from 35,900 - 2019 to 19,115 - 2024) is circa 15,000 votes. Labour lost over 3,000 votes from 2019. Reform got 6,116...
  18. K

    Politics, politics, politics (so long and thanks for all the fish)

    Not going to happen. Core tory vote in the south very far from where Lib Dems are politically. I think there was a lot of movement around parties in 2017 and 2019 due to Brexit, but all but the most ardent single-issue campaigners think Brexit is done now as an issue and have no appetite to...
  19. K

    Politics, politics, politics (so long and thanks for all the fish)

    While I don't doubt that a centrist approach wins elections its become a bit of a myth that centrist means being in the middle policy wise on everything. Most of the public tend to feel strongly about one or two things that are in the public consciousness and it's about taking the right stance...
  20. K

    Politics, politics, politics (so long and thanks for all the fish)

    Cleverly was never winning a general election. Not saying Badenoch or Jenrick would either but I really don't think Cleverly was a solid candidate. Look at Starmer's pledges to win the Labour election. It's Jeremy Corbyn's last manifesto. He ditched it all almost immediately. I'm not talking...
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