Why Property Concerns Are Delaying Major Milestones With Craig Carson - Barratt London The Cashflow Show: Entrepreneurship Insights For Founders, CEOs And Business Leaders podcast

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Why Property Concerns Are Delaying Major Milestones with Craig Carson - Barratt London

10d ago 16:08

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Episode Summary

Host Clayton M. Coke interviews Craig Carson, Managing Director of Barratt London, on how London’s housing crunch is stalling Gen Z life goals and what developers are doing to help. From 40% delaying marriage/kids to deposit matches and new-build perks, discover Barratt’s “Step on the Ladder” campaign and practical paths to ownership. Ideal for first-time buyers, renters, and property professionals.

Chapters
[00:00] Intro & Barratt London Overview
[00:29] 40+ Years, 50K Homes, TfL Partnerships
[00:57] 36% Young Adults Held Back by No Home
[01:26] Gen Z Delays & “Step on the Ladder” Campaign
[02:21] London Land Squeeze & Lifestyle Shifts
[03:45] 29% Don’t Know How to Start Buying
[04:37] Cutting Through Negative Property Press
[05:05] Key Worker Deposits, Deposit Unlock, 5% Match
[06:50] Shared Ownership & Lifetime ISA (£1K Bonus)
[08:17] New-Build vs. Fixer-Upper Advantages
[10:10] Stamp Duty Explained & Broker Advice
[12:02] Tapping Buyer Excitement
[13:26] Government 1.5M Homes Target
[14:48] Entrepreneur Advice: Stay in the Market
[15:44] Resources & Close

Key Discussion Points

Barratt London: 40+ years, 50,000 homes delivered, 2,000/year goal via TfL brownfield sites.
Gen Z Crisis: 40% delay milestones; 36% feel held back; 29% clueless on process.
Market Dynamics: Land scarcity, Elizabeth Line, hybrid work, 50% affordable homes.
Solutions: Mortgage brokers, Deposit Unlock (95% LTV), 5% deposit match, key worker schemes.
Shared Ownership (via partners), Lifetime ISA (£1,000 bonus on £4,000 saved).
New-Build Perks: Move-in ready, energy-efficient, 10-year NHBC warranty.
Stamp Duty/Mortgages: Hidden costs; brokers simplify.
Policy: 1.5M homes target; ambitious collaboration needed.

Key Takeaways

Mortgage often cheaper than rising rent—deposit access is key.
Lifetime ISA adds £1,000 free per £4,000 saved annually.
New homes = lower bills, no reno hassle, prime transport links.
Start with a broker to avoid surprises like stamp duty.
Optimism drives sales—focus on dream, not hard-sell.

Notable Quotes

“40% of Gen Z are putting off marriage, children, or travel because of the housing ladder.” – Craig Carson
“The difference between mortgage and rent is marginal—accessing deposit is key.” – Craig Carson
“Buying new: move in, put furniture down, start living—day one.” – Craig Carson
“Better being in the market than not in the market.” – Craig Carson

Actionable Insights for Businesses

Launch beginner guides like “Step on the Ladder” to build trust.
Offer deposit boosts (5% match, 95% LTV) to close rent-vs-buy gap.
Market new-build energy savings and 10-year warranties.
Partner with housing associations for shared ownership pipelines.
Train teams on empathy—guide buyers through nerves to excitement.

Resources

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Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke

Website: https://www.prmsltd.co.uk

Email: [email protected]
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