Research on Affordability and Mortgage origination research may be found at a link to our research folder.

drive.google.com/drive/folders/185SDeR-a_IW8zEt772mgHNtOfJtw1qmf?usp=sharing

I really enjoyed the webinar yesterday and I have new put together a collection of the Slides , Tweets and The Video Recording of my Practice and the Actual Webinar the q and qa and my immediate impressions after watching it back.
Many Thanks to Phil Laycock and Real Estate networking and also to Matt Christie who persuaded me to do it back in May.
​Built Environment Networking Limited
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0113 390 4700

The Problem is explained simply, There is a Three Tier Planning system in our Metropolitan Governance System, Central Government , London Wide ( Mayoral) and Local Borough Level. All the policy operates under something called the National Planning Policy Framework (NPPF) and there are various hierarchies of Planning "Hadith" which the Planning Priests afford different levels of importance. There is an excellent Novel called The Scheme for full Employment  by a Novelist called Magnus Mills. There are two groups of Protagonists in the Novel The early Swervers and the Work to Rulers, both are engaged in the pointless process of Building UniVans for a State Monopoly government Enterprise. In Arguments which concern the wrong object it is hardly surprising that as Benjamin Franklin says about such discussions,
Benjamin Franklin,
´´every Day find Men in Conversation contending warmly on some Point in Politicks, which, altho’ it may nearly concern them both, neither of them understand any more than they do each other.´´
Listen to me people, Are we Place Makers or are we Rent Seekers. “We’re in the building game – that’s where we should be competing, not in trading land,” he told me last year. “As long as there’s room to make a decent margin on housebuilding, bring it on – our land market desperately needs reform”. Tony Pidgley RIP Anthony William Pidgley CBE (6 August 1947 – 26 June 2020)

Danegeld, Something Rotten in the state of Denmark and King Canute all wrapped up in a Giant Red Herring.
There is something of the Owl and the pussycat in the westferry Printers Farago all wrapped up in a 50 million  pound note if you listen to to the red queen, Always Jam tomorrow Marxists.

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Danegeld was a viking protection racket which Rudyard Kipling wrote a poem about, Its one which I set to music.
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Paragraph. Klicka härJam tommorow, jam yesterday, but never ever jam today.

Some Judicious use of The Razor of Ockam is required to disassemble the assorted Sophistries and plain falsehoods of the Get Boris through Jenrick Brigade.

Its a Poor memory that only works backwards too.
​notthegrubstreetjournal.com/2019/06/18/it-is-who-you-know-and-what-you-believe-that-counts-the-semi-establishment-pelagianism-of-bremain-brexit-brino-dominiccummings-cynics-saw-what-people-could-be-and-were-angered-by-what-they-h/

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Is Ought Humes Guillotine ,  David Hume wrote extensively about the Is-Ought problem and the arguments between Monetary reformers seem to fall into the Ought Camp where IS questions are disputed this tends to be where the IS facts do not fit with the Ought convictions/beliefs. The Aspect of the debate which is potentially the most helpful is seeing matters in terms of Resources and allocation of resources to production of wants and needs in this question the pathfinders are somewhat more scarce. Discussion
https://notthegrubstreetjournal.com/2017/05/04/authentic-discourses-on-decisions-to-act/
https://notthegrubstreetjournal.com/2018/06/11/is-empirical-facts-and-what-ought-to-be-solutions-mmt-what-is-and-what-might-be-que-serra-serra/
Caleb Williams , World AS IT IS?
http://www.gutenberg.org/files/11323/11323-h/11323-h.htm
The following narrative is intended to answer a purpose more general and important than immediately appears upon the face of it. The question now afloat in the world respecting THINGS AS THEY ARE is the most interesting that can be presented to the human mind. While one party pleads for reformation and change, the other extols in the warmest terms the existing constitution of society. It seemed as if something would be gained for the decision of this question if that constitution were faithfully developed in its practical effects. What is now presented to the public is no refined and abstract speculation; it is a study and delineation of things passing in the moral world. It is but of late that the inestimable importance of political principles has been adequately apprehended. It is now known to philosophers that the spirit and character of the Government intrudes itself into every rank of society. But this is a truth highly worthy to be communicated to persons whom books of philosophy and science are never likely to reach. Accordingly, it was proposed, in the invention of the following work, to comprehend, as far as the progressive nature of a single story would allow, a general review of the modes of domestic and unrecorded despotism by which man becomes the destroyer of man. If the author shall have taught a valuable lesson, without subtracting from the interest and passion by which a performance of this sort ought to be characterised, he will have reason to congratulate himself upon the vehicle he has chosen.

So here are the Facts as they are

The Spreadsheet, Project Viability.
The Spreadsheet and Offer of Additional Housing is clear for all to see. Towerhamlets gambled with a Clear offer to Provide 35% AFFORDABLE BY Habitable Rooms, The Viability Valuation shows 27.5% affordablöe by Habitable room With a CIL and S106 of  £5,517,564      £5,973,167 respectively
Concluding Statement
7.1 The conclusions of this report are that the Proposed Development should provide
27.5% affordable housing by habitable room, and that is the maximum reasonable
amount.
7.2 The Applicant is prepared to offer 35% affordable housing by habitable room, of
which 30% would affordable rent, and 70% intermediate housing. The offer of 35%
affordable housing is made in recognition of the urgent need to deliver affordable
housing in the Borough and London, the Mayor’s SPG on Affordable Housing and
Viability SPG 2017 which adopts a Fast Track route for 35% affordable housing
schemes, and the Applicant’s view on the long term housing market.

​docs.google.com/spreadsheets/d/1krmBXx1Q2SWr1cv5pLC7efVt0l9BBK1EIQvmsB3Q6Bk/edit?usp=sharing

Whats it all about? certainly not affordable homes. 

​notthegrubstreetjournal.com/2019/11/27/ge2019-the-apotheosis-of-oligarchical-nwo-collectivism-private-capital-usurious-commercial-and-industrial-these-functions-of-money-however-bound-up-as-they-are-with-exploitation-are-not-liq/

An old etonian Toff
was often noted to scoff
Whilst Brosiering His dame
Economical Actualite IS the name of the game
I’ll tax the upper Crust off your pasty
now your all Fagging for me
I always preferred Cheshire PorkY Pies
In Cuisine and in Deed you see.

So instead of Sedwills Patsy
​The Oroborus Swallowed his