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According to the 2021 Census 62% of households were homeowners, 20% were private renters, and 17% were social, and of that 62% just under 33% are mortgage free.
57% (see point1.32) of landlords have a buy-to-let mortgage and a further ~9% have a conventional mortgage.
So 67% of homeowners and ~66% of landlords having mortgages, I’m going to go with banks taking most of that bread!!!
Rising interest rates affects everyone, and renters have to be protected from predatory landlords, but landlords also need to be protected otherwise it’ll be the big companies that step in and acquire the houses that private landlords will be forced to sell. Not all renters can afford to buy a house, getting the deposit being the biggest hurdle, and not all renters want to buy a house.
84% (see point 1.3) of tenancies were represented by individual landlords, with companies representing 13%, it benefits no one for big companies to take more of the share.
I agree, Neil Stephenson is hard work for me too. I kind of enjoyed Snow Crash and didn’t find it hard work.
But the other two I’ve read I’ve struggled with. Seveneves was amazing for the first 2 thirds but then I just couldn’t finish it. I eventually completed the book when I got in to audiobooks.
Termination Shock was just soooo slllloooowwww, nothing happened I almost quit it too.