A Place to Call Home, UK housing in numbers

A place to call home
UK Housing in Numbers

UK population
64.1 million
http://www.ons.gov.uk/ons/rel/pop-estimate/population-estimates-for-uk--england-and-wales--scotland-and-northern-ireland/2013/index.html
http://www.ons.gov.uk/ons/rel/census/2011-census/population-estimates-by-five-year-age-bands--and-household-estimates--for-local-authorities-in-the-
united-kingdom/index.html
Population
Average population density
261 PEOPLE
per square kilometre
The UK’s population has
increased by around
5 million since 2001
Net migration
183,400
All figures mid-2013 estimate
64.1
MILLION

Population
The population of
England
53.9 Million
The population of
Scotland
5.3 Million
The population of
Wales
3.1 Million
The population of
Northern Ireland
1.8 Million
All figures mid-2013 estimate
http://www.ons.gov.uk/ons/rel/census/2011-census/population-estimates-by-five-year-age-bands--and-household-estimates--for-local-authorities-in-the-
united-kingdom/index.html

Population Breakdown
Females
50.81%
(32,572,800}
39.9
The median age of
the UK population
http://ons.gov.uk/ons/dcp171778_367167.pdf
http://en.wikipedia.org/wiki/Demography_of_the_United_Kingdom
Aged 25-34
8.43 Million
(13.3%)
Males
49.19%
(31,532,900)
Aged Under 15
11.1 Million
(17.6%)
Aged 15-24
8.39 Million
(13.1%)
Aged 65+
10.38 Million
(16.4%)
Aged 45-64
16.15 Million
(25.5%)
Aged 35-44
8.82 Million
(13.9%)

The population of
Greater London
8.42 million
(Estimate 2013)
The population
of Bristol
437,500
(Estimate 2014)
The population of
Greater Manchester
2.68 million
(2011)
http://www.bristol.gov.uk/page/council-and-democracy/population-bristol
http://www.manchesterconfidential.co.uk/News/The-2011-Census-Greater-Manchester-Results
https://www.london.gov.uk/mayor-assembly/mayor/publications/gla-intelligence/demography/population
Key Cities
8.42
million
2.68
million

26.4 million
households in the UK
(2013)
29%
1 person households
35%
2 person households
16%
3 person households
20%
4 people or more
http://www.ons.gov.uk/ons/dcp171778_332633.pdf
Households
26.4
million

http://www.ons.gov.uk/ons/rel/vsob1/divorces-in-england-and-wales/2012/stb-divorces-2012.html
The average age of marriage
Marriage
Men
32.4 years
Women
30.3 years
42%
of marriages
end in divorce
262,240 marriages
registered in England and Wales
(2012)
118,140 divorces
in England and Wales
(2012)

Birth
The average age
of first time mothers
30(2013)
1.85
Children per woman
(2013)
698,512
live births in
England and Wales
(2013)
http://www.ons.gov.uk/ons/rel/vsob1/birth-summary-tables--england-and-wales/2013/info-births-2013.html
Fertility rate

Families
18.2 million
families in the UK
(2013)
65%
married couple families
18%
lone parent families
17%
cohabiting couple families

1.7
dependent children
per family on average
(UK 2012)
52.6%
of children in England
and Wales are born to
parents who are married
or in a civil partnership
(2013)
http://www.ons.gov.uk/ons/rel/vsob1/birth-summary-tables--england-and-wales/2013/info-births-2013.html
http://www.ons.gov.uk/ons/rel/family-demography/family-size/2012/family-size-rpt.html
http://www.ons.gov.uk/ons/rel/family-demography/families-and-households/2013/stb-families.html?format=print
13.3 MILLION
dependent children living
in families in the UK
(2013)
Children

Healthy life expectancy
(England 2012)
http://www.ons.gov.uk/ons/rel/disability-and-health-measurement/healthy-life-expectancy-at-
birth-for-upper-tier-local-authorities--england/2010-12/stb---healthy-life-expectancy.html
http://www.ons.gov.uk/ons/rel/lifetables/national-life-tables/2011-2013/stb-uk-2011-2013.html
http://www.ons.gov.uk/ons/rel/vsob1/mortality-statistics--deaths-registered-in-england-and-
wales--series-dr-/2013/stb-deaths-registered-in-england-and-wales-in-2013-by-cause.html
Death
The average life expectancy UK
Females
82.7 years
Males
78.9 years
506,790 deaths
registered in England and Wales
(2013)
Females
64.1 years
Males
63.4 years

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/284648/English_
Housing_Survey_Headline_Report_2012-13.pdf
Housing Numbers
22.7 million
dwellings in England
(2012 Estimate)
18.9 million
dwellings were in
the private sector
(2012 Estimate)
3.8 million
dwellings were in
the social sector
(2012 Estimate)
22.7
million 18.9
million 3.8
million
All figures for England 2012-2013

Terraced housing is
the most common type
of residential property
6.3 MILLION
Purposed built high rise flats
are the least common type
of residential property
420,000
The vast majority of
housing in England is in a
suburban residential area
14.1 MILLION
Housing Type
635,127
empty homes
in England
(2013)
80%
of all dwellings
were houses
(2012)
http://www.emptyhomes.com/statistics-2/empty-homes-statistice-201112/
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/284648/English_Housing_Survey_Headline_Report_2012-13.pdf
59,313
empty homes
in London
(2014)

65%
of households are
owner-occupiers
(14.3 million households)
18%
of households
rent privately
17%
of households
are social renters
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/284648/
English_Housing_Survey_Headline_Report_2012-13.pdf
Tenure

Homeowners had moved on average
1.8 times over the last 10 years,
compared to private renters who had
moved 3.0 times
(2012-13)
Average length of residence for
owner occupiers it was 17.3 years, for
social renters it was 11.3 years, and
for private renters was 3.8 years
(2012-13)
Moving and Occupancy

Moving and Occupancy
20%
of private renters had lived
in their homes for at least 5
years. 34% had been in their
home for less than a year
(2012-13)
81%
of owner occupiers had been
in their home for at least five
years. 4% had been in their
home for less than a year
(2012-13)
62%
of social renters had lived
in their home for at least
5 years. 10% had been
resident less than a year
(2012-13)

62%
of householders that owned outright
were retired, consistent with the
older age profile of this group
(2012-13)
33%
of owner occupiers in
England own outright
(2012-13)
Owner occupation
peaked in 2003 at
70.9%
Rates of owner-occupation are
at the lowest proportion since
1987
Homeowners
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/284648/English_Housing_
Survey_Headline_Report_2012-13.pdf

The average age of a
first time buyer is
32
http://data.jrf.org.uk/data/first-time-buyers/
http://www.propertywire.com/news/europe/uk-first-time-buyers-201405309192.html
http://www.housing.org.uk/publications/browse/home-truths-2014/
First Time Buyers
However the average
first time buyer in the UK
expects to be 36 when
they buy their first home
(2014)
Two thirds of first-time
buyers receive financial
help from parents, a figure
that has doubled in 5 years
(2014)
2018

http://www.housing.org.uk/publications/browse/home-truths-2014/
First Time Buyers
The average loan size for first time
buyers is £125,999 while the typical
gross income of a first-time buyer
household is £38,690
(2014)
The average first-time buyer
today needs a £30,000 deposit,
almost ten times the deposit
required in the early 1980s
(2014)
3.4x
A first-time buyer has to borrow
3.4 times their annual income
on average, compared to first
time buyers in 1979 who needed
to borrow just 1.7 times their
income
(2014)

First Time Buyers
61% of private renters (2.3 million
households) and 23% of social
renters (816,000) stated that they
expected to buy a property at
some point in the future
(2012-13)
53%
of would-be buyers aged 25-
34 don’t think they will ever
be able to afford to buy a
property
(2011)
However 64% of social
renters and 44% of private
renters don’t expect to be
able to buy a property for
5 years
(2012-13)
2019
http://www.royalmailgroup.com/35-years-old-average-age-first-time-buyers-expect-join-housing-ladder

51%
all house reference persons in the
private rental sector (2.0 million
households) were aged under 35
(2012-13)
http://www.ons.gov.uk/ons/rel/census/2011-census-analysis/a-century-of-home-ownership-and-renting-in-england-and-wales/short-story-on-housing.html
http://www.aviva.com/media/news/item/uk-seven-million-households-left-financially-vulnerable-as-growing-numbers-are-forced-to-rent-17359/
http://www.independent.co.uk/property/landlords-on-track-to-own-1-trillion-of-property-next-year-9843640.html
In 2012-13, the private rented
sector overtook the social
rented sector in size
(2012-13)
Private Renting
The number of two-parent
households with dependent children
in private accommodation in England
grown from 535,000 to 880,000 – an
increase of 64% since 2009
(2012-13)
Total value of property in the
private rented sector is
£930.7 BILLION
(2012-14)

Social Renting
The national waiting list for social
housing stands at 1.7m households
– up by 65% since 1997
The proportion of households in
the social sector declined from
31% in 1980 to 17% in 2013
(2012-13)
Right to Buy gives social tenants
the opportunity to buy their council
house at a discount of up to
70%
The average (mean) rent (excluding
services but including housing benefit)
for households in the social sector was
£89 per week compared with £163 per
week in the private rented sector
(2012-13)
SOLD
http://www.theguardian.com/news/2014/nov/11/-sp-no-exit-britains-housing-trap
https://www.gov.uk/right-to-buy-buying-your-council-home/discounts

1.3 MILLION
families rent privately in England,
up from 500,000 in 2008
(2013)
Changing households
21%of 20-34-year olds are still living with
parents (2.7 million people), a 25%
increase since 1996
(2013)
289,000
concealed families in 2011,
making up 1.8% of all families
(2011)
70%
increase in concealed families
between 2001 and 2011
compared with a 6.6% increase
in unconcealed families
(2011)
http://www.ons.gov.uk/ons/rel/family-demography/young-adults-living-with-parents/2013/sty-young-adults.html
http://www.ons.gov.uk/ons/rel/census/2011-census-analysis/what-does-the-2011-census-tell-us-about-concealed-families-living-in-multi-family-households-in-
england-and-wales-/summary.html
16% of social renters and 12% of
private renters were lone parents
with dependent children, compared
with just 3% of owner occupiers
(2012-13)

37,739
tenant households lost their
homes in 2013, more than
100 evictions a day
http://media.shelter.org.uk/home/press_releases/true_scale_of_revenge_evictions_exposed_by_shelter_investigation
https://www.gov.uk/government/statistical-data-sets/live-tables-on-repossession-activity#live-tables
https://www.gov.uk/government/collections/mortgage-and-landlord-possession-statistics
http://www.theguardian.com/housing-network/2014/oct/27/stop-revenge-evictions-renting-landlords-sarah-teather
Eviction
11.2 MILLION
outstanding mortgages at
the end of 2013. 11,800 of
these were at least
6 months in arrears
(2013)
The total outstanding
mortgage debt in the UK is
£1.294 TRILLION
(November 2014)
28,900
properties were
repossessed in 2013
213,000
people in the private rental
sector were victims of
revenge evictions in 2013
14%
of families renting in
London have been hit with
revenge evictions in 2013
£££

http://www.theguardian.com/news/2014/nov/11/-sp-no-exit-britains-housing-trap?CMP=share_btn_link
http://england.shelter.org.uk/news/september_2015/90,000_children_in_britain_to_face_christmas_homeless
60,000
households in England live in
temporary accommodation
Homelessness
The number of homeless families
living in B&Bs has almost
doubled in three years
90,000
children will be homeless
this Christmas
?

Housing benefit
66% of social renters 25% of
private renters receive housing
benefit to help with the payment of
their rent. This is up from 59% and
19% respectively in 2008-09
(2012-13)
32% of working households in the
social rented sector and 12% of
working households in the private
sector were in receipt of housing
benefit. This is up from 20% and
9% respectively in 2009-10.
(2012-13)
http://www.telegraph.co.uk/finance/personalfinance/investing/buy-to-let/10787462/Landlords-9bn-housing-benefit-fuelling-bubble.html
https://www.gov.uk/government/statistics/benefit-expenditure-and-caseload-tables-2014
Housing benefit costs
£24.1 billion and makes
up approximately 14% of
welfare spending
£9.1 BILLION
is spent on housing benefit
for private accommodation
38% of the total
(2012-13)

6%
of people are unemployed
1.97 million unemployed people
(August 2014)
468,000
unemployed 16-24 year-olds
13.5% of that age group
30.76 MILLION
people in work in the UK
(August 2014)
9.03 MILLION
people aged from 16 to 64
are economically inactive
http://www.google.co.uk/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0CCEQFjAA&url=http%3A%2F%2Fwww.parliament.uk%2Fbriefing-papers%2Fsn05871.
pdf&ei=gQpiVLmWKcjX7QafyYCICQ&usg=AFQjCNFHB8YCUji6z3sc1lXfn4hOTJwnDA&bvm=bv.79189006,d.ZGU
http://www.ons.gov.uk/ons/rel/lms/labour-market-statistics/october-2014/statistical-bulletin.html
http://www.ons.gov.uk/ons/publications/re-reference-tables.html?edition=tcm%3A77-332654
Employment rate
30.76
MILLION
UK employment rate
73.0%
(August 2014)

Regions
London 6.3%
North West 6.3%
South West 4.7%
Unemployment Rate by Key Region (September 2014)
6.3%
4.7%
6.3%
http://www.ons.gov.uk/ons/rel/subnational-labour/regional-labour-market-statistics/september-2014/stb-regional-labour-market-september-2014.html

15%
of workers are self employed
4.6 million people
732,000
more self employed
workers than 2008
Self-employment higher
than at any point over past
40 YEARS
Average income from
self‑employment fallen
by 22% since 2008/09
http://www.ons.gov.uk/ons/rel/lmac/self-employed-workers-in-the-uk/2014/rep-self-employed-workers-in-the-uk-2014.html
Self Employment
All figures UK 2014

Key Workers
• NHS
• Education
• Police
• Prison Service
• Probation Service
• Local Authority
• Fire Fighters
• Ministry of Defence (MoD)
• Environmental Health Officers
• Highways Agency Traffic Officers
Housing associations reserve a number
of properties for key workers. To be
eligible for housing households must
have an income of no more than
£60,000 per annum, be employed by
a qualifying key worker profession and
have a minimum of 5 years to serve
before reaching retirement. Not all areas
have a key worker scheme available
A key worker is a public sector employee who
is considered to provide an essential service
http://www.homebuyservice.co.uk/eligibility/key-worker-eligibility.html

61%
of graduates find employment
6 months after leaving University
The average unemployment
rate for higher education
leavers in 2010/2011 was
7.6%
The average salary for
UK graduates in full-time
employment six months after
graduation range between
£18,000-£24,000
(2013-14)
http://www.graduates.co.uk/graduate-starting-salaries-in-2013-14/
http://www.ons.gov.uk/ons/rel/lmac/graduates-in-the-labour-market/2013/rpt---graduates-in-the-uk-labour-market-2013.html
Graduates
12 MILLION
graduates in the UK
(2013)
12
MILLION

1 IN 3
22-30 year-olds leave their
home towns to move to
London for work
Graduates in London will
earn an average of
£27,000
6 in every 10 people
who live in inner
London are graduates
London
http://www.theguardian.com/uk-news/2014/jan/27/great-migration-south-private-sector-jobs-london
http://www.graduates.co.uk/graduate-starting-salaries-in-2013-14/
80%
of private sector jobs
created between 2010 and
2012 were in London
20%
of graduates move to
London to find a job

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/276223/table3-2-12.pdf
http://career-advice.monster.co.uk/salary-benefits/pay-salary-advice/uk-average-salary-graphs/article.aspx
Salaries
The average salary UK is
£27,017
(August 2014)
£27,017
The average salary by gender
Females
£24,832
Males
£31,905

Region
The average salary
in London
£35,480
(November 2014)
The average salary
in Manchester
£26,794
(November 2014)
The average salary
in Bristol
£28,556
(November 2014)
£35,480
£26,794

The average salary of a
permanent worker is
£26,076
(November 2014)
18.8%
of all employees work in
the public sector
(September 2013)
The average salary of a
part time worker is
£14,740
(November 2014)
Employment Type
24.4 MILLION
employees work in the
private sector

Changes in Pay
Nominal wage growth below
the rate of price inflation has
resulted in real wages falling
for the longest sustained
period since at least 1964
http://www.ons.gov.uk/ons/rel/elmr/an-examination-of-falling-real-wages/2010-to-2013/art-an-examination-of-falling-real-wages.htm
http://www.tuc.org.uk/economic-issues/labour-market-and-economic-reports/economic-analysis/britain-needs-pay-rise/uk
http://www.ons.gov.uk/ons/rel/ashe/annual-survey-of-hours-and-earnings/2014-provisional-results/stb-ashe-statistical-bulletin-2014.html
http://www.standard.co.uk/news/londoners-would-have-7000-more-a-year-if-wages-hadnt-been-hit-by-recession-study-finds-9795593.html
http://highpaycentre.org/blog/ftse-100-bosses-now-paid-an-average-143-times-as-much-as-their-employees
http://www.unicef-irc.org/publications/pdf/rc12-eng-web.pdf
Adjusted for inflation,
weekly earnings decreased
by 1.6% compared to 2013
Wage growth so slow that
it would take 12 years to
recover to pre-recession
real earnings
Median incomes for families
with children in the UK in 2012
were six years behind where
they could have been had the
recession not happened
Londoners would be more than
£130-a-week better off if wages
had continued to rise at rates
seen before the recession an
extra £7,000 a year
FTSE 100 bosses are paid 130
times the wage of their average
employee (2014) this has risen
from 47 times in 1998.
2026
130:1£7000

5.28 MILLION
UK workers are being paid
less than the Living Wage
5.1%
of all jobs are
minimum wage
=
1.3 MILLION JOBS
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/288841/The_National_Minimum_Wage_LPC_Report_2014.pdf
http://www.livingwage.org.uk/news/new-2015-living-wage-rates-announced
Low Incomes
The minimum wage in the UK is
£6.50 per hour
(over 21s 2014)
The Living Wage in the UK is
£7.85 per hour
The Living Wage in London is
£9.15 per hour
£7.85
£9.15

There is no official retirement age in
the UK anymore, workers can chose
to retire when they wish and cannot
be discriminated against
The basic state pension is
£113.10 PER WEEK
(2014)
https://www.gov.uk/state-pension/what-youll-get
https://www.gov.uk/retirement-age
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/310231/spa-timetable.pdf
retirement
However this will be raised to be
66 for both genders by 2020
The age at which people can currently
start claiming a State pension is
Women
62 years
Men
65 years

http://www.theguardian.com/money/2014/nov/22/value-private-uk-housing-5tn
House Prices
Average UK
house price is
£273,000
£273,000UK house prices increased
by 12.1% in the year to
September 2014
The total value of private
housing stock in the UK is
£5.06 TRILLION
(November 2014)

Regions
London £460,521
South East £236,996
East £197,027
South West £185,950
East Midlands £131,310
Yorkshire & the Humber £119,184
West Midlands £118,893
North West £113,389
North East £100,311
http://landregistry.data.gov.uk/app/hpi
Average Property Prices By Region (September 2014)
LDN
EAST
SOUTH
EASTSOUTH
WEST
EAST
MIDLANDS
YORKSHIRE
& THE HUMBER
NORTH
EAST
NORTH
WEST
WEST
MIDLANDS

Key Cities
The average property in
Greater Manchester now costs
£108,002
An 5.8% increase in the
12 months to September 2014
Greater London now costs
£460,521
Bristol now costs
£193,536
£460,521 £108,002

Affordability
http://www.centreforcities.org/assets/files/2014/14-10-31-delivering-change-building-homes.pdf
3
4
2
5
6
7
8
9
10
1
10 least affordable places to buy a home in the UK
1. OXFORD
The average house costs 14.9 times the city’s average salary
2. LONDON
3. CAMBRIDGE
4. BRIGHTON
The average houses costs 10.9 times the town’s average salary
5. BOURNEMOUTH
6. CRAWLEY
The average house costs 10.1 times the town’s average salary
7. ALDERSHOT
The average house costs 9.5 times the town’s average salary
8. READING
The average house costs 9 times the town’s average salary
9. BRISTOL
10. WORTHING
The average house costs 8.6 times the town’’s average salary

Affordability
Current Government Affordable Home Ownership schemes:
• Help to Buy: Equity Loans
• Help to Buy: Mortgage Guarantees
• Shared Ownership
• Help to Buy: NewBuy
In the first 18 months 33,911
properties were bought with the
Help to Buy equity loan scheme
(September 2014)
28,401
purchases in the Help to Buy
equity loan scheme was made by
first time buyers 84% of total
(September 2014)
The average purchase
price of a property bought
under the scheme was
£210,429
(September 2014)
https://www.gov.uk/government/statistics/help-to-buy-equity-loan-scheme-and-help-to-buy-newbuy-statistics-april-2013-to-september-2014

42,710
affordable homes were
provided in England in 2013-14
11,330
affordable home ownership
completions in 2013-14, a
decrease of 34%
The number of homes
delivered in the social rented
sector (social and affordable
rented) increased 24% from
24,600 in 2012-13 to 30,590 in
2013-14
New build homes represented
86% of all affordable homes
provided in 2013-14
Affordable rent is subject to
rent controls that require a rent
of up to 80% of the local market
rent including service charges
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/363989/Affordable_Housing_Supply_2013-14.pdf
Affordable Housing

London has by far the highest house prices of any
region in the UK, almost the double the average of
the second most expensive region, the South East
The average house price
in London has increased
by £41,000 annually, more
than the average pre-tax
London salary
London
http://www.theguardian.com/money/2014/oct/14/house-prices-london-surging-mortgage
http://www.thisismoney.co.uk/money/mortgageshome/article-2340858/85-homes-Central-London-sold-overseas-buyers.html
http://www.bbc.co.uk/news/business-26980299
http://s3-eu-west-1.amazonaws.com/pub.housing.org.uk/Home_Truths_2014_-_Broken_Market__Broken_Dreams_Exec_Summary.pdf
Londoners need to
earn over £100,000
to afford the typical
mortgage
House prices in Greater
London have risen by
18.4%
in the 12 months to
September 2014
18.4%
£££

The most expensive
borough is Kensington &
Chelsea where the average
house price is £1,364,769
There are 10 boroughs
where the average house
price is above half a
million pounds
There are no boroughs where
the average house price is below
the 3% stamp duty threshold
London Boroughs
The cheapest borough
is Barking and Dagenham
where the house average
price was £250,674
http://data.london.gov.uk/dataset/average-house-prices-borough

The Battersea Power Station
development sold out of most
of its 866 luxury apartments
to Singaporean investors
looking for a safe haven
(2013)
Europe 16.5%
Russia & CIS 9.1%
Middle East 7.5%
India 4.5%
Asia 4.5%
North America 4%
Australasia 1.7%
Africa 1.1%
South America 0.5%
85%
of prime London property
purchases last year were
made with overseas money
(2013)
69%
of new-build buyers in the
prime central London market
were not British and 49%,
were not resident in the UK
(2013)
Foreign Investment
http://www.bbc.co.uk/news/business-26980299
http://www.thisismoney.co.uk/money/mortgageshome/article-2340858/85-homes-Central-London-sold-overseas-buyers.html#ixzz3JBBh2ALL
SOLD
Origin of Foreign Buyers in Central London

Costs
Stamp Duty is levied on properties where
the total purchase price is over £125,000
£125,001 - £250,000 1%
£250,001 - £500,000 3%
£500,001 - £1 million 4%
Over £1 million - £2 million 5%
Over £2 million 7%
https://www.gov.uk/stamp-duty-land-tax-rates
http://www.bankofengland.co.uk/boeapps/iadb/repo.asp
0.5%
The current bank of England
interest rate has been at the
historic low of 0.5% since
March 2009
In 1991 the Bank of England
base rate was 10% and was
as high as 17% in 1979

Mortgages
The standard
mortgage term in
the UK is 25 years
http://www.home.co.uk/guides/mortgage_glossary.htm?mortterm
http://www.theguardian.com/business/2013/sep/13/first-time-home-buyers-mortgage-bubble
http://www.theguardian.com/money/2014/nov/09/one-third-would-struggle-to-pay-mortgage-on-two-point-rate-rise
http://www.totallymoney.com/mortgages/rate-predictions/
http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/11109153/The-average-working-life-isnt-long-enough-to-pay-for-a-house.html
http://themoneycharity.org.uk/money-statistics/
On average, first-time buyers
are choosing repayment terms of
between 27 and 30 years
(2013)
A 2% increase in interest rates
would create problems for 32%
of borrowers in the UK
(2014)
3.57%
UK average
mortgage rate
The total outstanding
mortgage debt in the UK is
£1.294 TRILLION
(November 2014)
400,000 over-65s still
have mortgages
2039

House Building
Number of new homes created
in England in 2013-14 rose by
10%
(2013/14)
There were 130,340 new build
properties, almost 4,500 from
conversions, 12,520 were created
through change of use and there were
1,330 other gains. These new homes
were offset by the loss of 12,060
residences through demolition
The increase in the number of new
homes was the first in 6 years
following an 8% fall in 2012/13. The
number is still below its recent peak
of 223,530 in 2007/08
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/373576/Net_Supply_of_Housing_England_2013-14.pdf
136,610
homes were added to England’s
housing stock during 2013-14

Size
There are no regulatory or
industry requirements to record
the floor area of homes
http://www.architecture.com/Files/RIBAHoldings/PolicyAndInternationalRelations/HomeWise/CaseforSpace.pdf
The average new home in
England is only 92% of the
recommended minimum size
(2011)
The average (mean) usable floor
area of dwellings in 2012 was 92m² The
average usable floor area of homes in
the social sector was 63m² compared
with 98m² in the private sector
(2012/13)
Owner occupied homes (104m²)
were considerably larger than
privately rented homes (74m²)
(2012/13)
92%

The average one bedroom home is 46
sqm, 4 sqm short of the recommended
minimum. The average three bedroom
home is 88 sqm, 8 sqm short of the
recommended minimum
(2011)
31%
of people would not consider buying a
home built in the last ten years, or would
only consider it as a last resort.
(2011)
60%
said it was because the rooms are
too small, 46% said they lack style,
and 45% were concerned about the
lack of outside space
(2011)
Size
The average home in the UK was 85m² and
has 5.2 rooms, with an average area of 16.3m²
per room. The average new home in the UK
was 76m² and had 4.8 rooms, with an average
area of 15.8m² per room
(2011)

3%
of households in England
were overcrowded
(2012-13)
37%
of households (8 MILLION) were
under‑occupying there homes,
(2012-13)
Space
On average there
are 2.8 BEDROOMS
available to a household
(2012-13)
Most owner occupiers lived
in homes with 3 bedrooms
Most renters lived in homes
with 2 bedrooms
(2012-13)
2.8
49% of owner occupiers
15% of private renters and
10% of social renters were
under‑occupying their homes
(2012-13)

47%
(58% of fully occupied homes) said
there was not enough space for
furniture they owned or would like
to own
57%
(69% of fully occupied homes) said
there was not enough storage for
their possessions
35%
said that they didn’t have enough kitchen
space for the appliances like toasters or
microwaves, and 43% of respondents in fully
occupied homes said they didn’t have enough
space for convenient food preparation
34%
of fully occupied households said they
didn’t have enough space to have friends
over for dinner, and 48% didn’t have
enough space to entertain visitors at all.
28%
of all respondents (48% of fully occupied
homes) felt that they couldn’t get away
from other people’s noisy activities
Space
http://webarchive.nationalarchives.gov.uk/20110118095356/http:/www.cabe.org.uk/files/space-in-new-homes.pdf
Survey of homeowners living in new builds in within 1 hour of London conducted by CABE, English Partnerships and RIBA in 2009

Energy Efficiency
On average, flats obtain
the highest ratings with
approximately half rated EPC
band C (40%) or B (9.8%)
(2012-13)
Over half of dwellings
built before 1929 have an
EPC rating of E or worse
(2012-13)
Nearly 93% of dwellings sold
are in EPC bands C, D and E,
45.5% in band D alone
(2012-13)
Dwellings rated A or B
sell for approximately 14%
more than those rated G
(2012-13)
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/207196/20130613_-_Hedonic_Pricing_study_-_DECC_template__2_.pdf
The proportion of dwellings in
the lowest F and G bands fell
from 29% in 1996 to 6% in 2012
(2012-13)
In 2012, 18% of dwellings were
in the highest A to C bands,
compared with just 2% in 1996
(2012-13)
ABC
E

Energy Bills
of all homes in 2012
had central heating
The average electricity bill
across all payment types rose
by £35 compared with 2012, to
£577
(2013)
The lowest average standard credit
electricity bill was East Midlands.
The highest average standard
credit bill was in North Scotland
The lowest average standard credit
gas bill was East Midlands
The highest average standard
credit bill was the Southern Region
The average gas bill across all
payment types rose by £43,
compared to 2012, to
£729
(2013)
https://www.gov.uk/government/statistical-data-sets/annual-domestic-energy-price-statistics
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/319280/Fuel_Poverty_Report_Final.pdf
households live in fuel
poverty in England,
10.4% of all households
(2012)
2.28 MILLION
91%

Renewables
53.7 TWh
of UK energy came from
renewable sources
(2013)
Between 2003 and
2013 there was a 407%
increase in generation from
renewables in the UK
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/357527/Renewable_electricity_2013.pdf
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/337684/chapter_6.pdf
The contribution of
all renewables to UK
electricity generation was
14.9%
(2013)
This is 3.6% higher
than in 2012

Zero Carbon
From 2016 all new build homes
in the UK must be zero carbon
The Conservative party propose to build
100,000 starter homes for under-40s
sold at 80% of market rate which will be
exempt from zero carbon legislation if
they are elected in 2015
http://www.zerocarbonhub.org/zero-carbon-policy/zero-carbon-policy
http://www.conservativehome.com/localgovernment/2014/10/judy-terry-labours-pledge-for-200000-new-homes-lacks-credibility.html
http://www.zerocarbonhub.org/sites/default/files/resources/reports/ZCHomes_Nearly_Zero_Energy_Buildings.pdf
The domestic sector
accounts for almost 30% of
energy consumption in the UK
0
CO2
The domestic sector
contributes to around 30%
of the UK’s CO2
emissions
30%

Resources
Office for National Statistics
http://www.ons.gov.uk/ons/index.html
Land Registry
Centre for Cities
http://www.centreforcities.org/
London Data Store
http://data.london.gov.uk/
Gov.UK
https://www.gov.uk/
Council of Mortgage Lenders
http://www.cml.org.uk/cml/home/
Shelter
http://www.shelter.org.uk/
The Guardian Housing Network
http://www.theguardian.com/housing-network
Homes from Empty Homes
Priced Out
http://www.pricedout.org.uk/
Positive Money
http://www.positivemoney.org/
The Case for Space
http://www.architecture.com/Files/RIBAHoldings/
PolicyAndInternationalRelations/HomeWise/CaseforSpace.pdf
The Living Wage
http://www.livingwage.org.uk/
National Housing Federation
http://www.housing.org.uk/
The Chartered Institute of Housing
http://www.cih.org/
The Housing Forum
http://housingforum.org.uk/
Forum for the Future
http://www.forumforthefuture.org/
Igloo
http://www.iglooregeneration.co.uk/
Naked House
http://nakedhouse.org/index.html
Inhabit Homes
http://www.inhabithomes.co.uk/
A Right to Build
http://www.policyexchange.org.uk/images/publications/a%20right%20to%20build.pdf
http://issuu.com/alastairparvin/docs/2011_07_06_arighttobuild
HAB Housing
http://www.habhousing.co.uk/
Affordable Home Advice
http://www.affordablehomeadvice.co.uk/
Building and Social Housing Foundation
http://www.bshf.org/home.cfm
UK Co-housing Network
http://www.cohousing.org.uk/
Homes & Communities Agency
https://www.gov.uk/government/organisations/homes-and-communities-agency
Cambridge Centre for Housing & Planning Research
http://www.cchpr.landecon.cam.ac.uk/
Future Homes Commission
http://www.architecture.com/Files/RIBATrust/FutureHomesCommissionLowRes.pdf
Home Builders Federation
http://www.hbf.co.uk/
The London Plan
http://www.london.gov.uk/thelondonplan/
Joseph Rowntree Foundation
http://www.jrf.org.uk/
Generation Rent
http://www.generationrent.org/

A Place to Call Home, UK housing in numbers

A Place to Call Home, UK housing in numbers

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