Author: Purple Brolly

The Industrial Revolution, which began in the 1760s, brought with it some social problems. Many people moved from rural communities to cities and towns, looking for work. Some became destitute, as there was no welfare state at that time. Homelessness was an issue which could not be ignored but it was not a new one. Previously, the workhouse was where the poor were sent, but the 1800s saw the sprouting up of shelters and refuges.

These provide immediate but temporary solutions to two main problems: homelessness and domestic violence. The first shelters were in the cities ~ for instance, the Liverpool Night Asylum, established in 1816, and the Society for the Relief of the Houseless Poor, which opened its doors in London in 1820. The Salvation Army acquired a large warehouse in 1909 for hundreds of  destitute men. Today, local councils have a duty to assist the homeless.

In the past, a blind eye was turned to a husband beating his wife, but in the 1960s the women’s liberation movement brought this atrocity out into the open. The first women’s refuge was established in Hounslow in 1971. This type of refuge provides a safe place for women and their children escaping abusive relationships.

(Image originally by Nick Hedges for Shelter: M.J. Richardson at geograph.org.uk / CC BY-SA 2.0)

Before WW1, most ordinary British folk paid rent to live in their homes, but the two World Wars generated a surge in house-building which led to a national change in attitude towards house ownership. Mortgages specifically tailored to house-buyers were introduced and these required comparatively low deposits. Between the Wars house ownership rose to around a third of the population and by 1971 it was a half. The peak of 70% was achieved in 2001.

Of course, owner-occupied properties can be passed down to one’s children, so they are a highly-valued family asset. They also tend to rise in price above inflation, especially in London, in a market led by supply and demand. Young adults leaving the parental home may start by renting but since the 1950s it has become an aspiration to buy your own home as soon as the amount of the deposit has been saved up. This is what is known as ‘getting onto the property ladder‘, as coined by a British newspaper in 1981.

To do this, you become a ‘first-time buyer’ and the government has a few schemes to assist with this. Otherwise, mortgage brokers can help find the right loan deal for your circumstances.

(Image: Roger Cornfoot at geograph.org.uk / CC BY-SA 2.0)