In which the Tories call me too old for a house and don’t even offer a Unicorn in consolation.

Ah tis the time of year when we all get treated to the utter delights of the party conferences. For me tis second only to Christmas as a highlight of the year. I wait, excited as a small child, to see what the mysterious and magical beings known as politicians are offering me this year. I liked it when Labour managed to tweet that they were promising everyone an owl, but I am holding out for a unicorn. The first party to promise me one of them gets my vote.

 

Unicorn

There is some excitement this morning about pension pots, seeing as pensions go I don’t have a pot to piss in, this is not really doing it for me. In all honesty I don’t even quite get what they are on about, but as a 41 year old freelancer who can’t afford a holiday let  alone a pension plan I don’t think it is aimed at me.

The weekend saw an announcement of cheap houses for first time buyers, a 20% discount on  market value to help people own their first home. Now that is interesting to me, as we are within tantalising reach of being able to buy somewhere, we have a decent deposit, just the prices are out of reach, about 20% out of our reach by some weird coincidence.

Oh, but hang on a minute, did they just say for people under 40?! But I am 41, so it won’t apply to me. Why the age cut off? Was there some sort of turning 40 payout I missed, a bit like the ‘Go’ square on a Monopoly board – was I supposed to pass 40 and collect £200,000 from the banker? Why didn’t anyone tell me that?

Oh, there wasn’t one and I didn’t miss it, so why only under 40’s? Do we a few months (OK, 15 months) passed the top of that hillock not want a secure roof?  No, I will to continue pay my £10,000 a year in rent rather than pay less on a mortgage, miss out on gaining any increase in the value of the property I live in, as well as living with the fear of the ‘two months notice’ letter dropping onto the mat.

I know, I know – I have had plenty of time to sort out being a proper grown up, and should probably have got my first mortgage at 23 when instead I was having a lark and a baby. (A lark as in fun as opposed to giving birth to both a human child and a tiny baby bird.) And actually house ownership wasn’t something I felt to be too important when I was younger, enjoying the freedom of renting and being able to ring someone to help when a lightbulb went or some other meddlesome household task. Only is it now, as I sailed past the cut off point for this proposed scheme, that I started to like the idea. I feel settled in my life and my relationship in a way that eluded me in younger years, and now I am ready for roots, even though the idea of mortgage paperwork scares the shite out of me.

Sadly we are priced out of the market. We’ll live, it’s not the be all and end all, but I did find it slightly galling to find myself a write off under the Conservative suggestion to help those who do want to buy. Am I too old? Or is it just that they know it will take more than that (more even than a unicorn) to get me to vote for them anyway.

My problem is I am an idealist, the sort of things I want a party to offer me would be trickier than unicorns. I would love to see a truly fair society where we all treat each other as equals and expect a decent standard of living for everyone and invest in healthcare above war, see, more likely to get a damn unicorn than that, so I better start saving for a stable for it.

Love Miss Cisco XXX

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4 Comments

  1. September 29, 2014 / 9:20 am

    Love this post. But don’t love that you can’t get a little helping hand onto the property ladder. It seems ludicrous when you would be paying less on a mortgage than you are in rent.
    Sarah MumofThree World recently posted…Almighty rowMy Profile

  2. September 29, 2014 / 9:58 am

    i hadn’t heard that news but it seems so unfair. It takes years to save for a deposit and so what if you buy your first house at 40+, you should be entitled to the same discounts of everyone else.
    We were lucky and got help to buy our first home but now we need to upsize we are stuck fast as when we pay back the loan we are back to square one!
    Love the unicorn though – think that’s a great vote winner!
    Kara recently posted…Helping your teen deal with a break-upMy Profile

  3. September 29, 2014 / 10:22 am

    Me and M had exactly the same conversation – he is rapidly approaching the big 40 and we would love to buy, but like you we are priced out of the market. These are going to be new developments and won’t be built for years even if it does go ahead – it seems we are a very unlucky generation when it comes to home ownership!
    Andrea recently posted…Why I’m backing StoptoberMy Profile

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