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Affordable housing 'crisis' fear Affordable housing 'crisis' fear
(20 minutes later)
A housing organisation has warned that Welsh homes are increasingly unaffordable and there was a "crisis".A housing organisation has warned that Welsh homes are increasingly unaffordable and there was a "crisis".
The Chartered Institute of Housing Cymru said the income and mortgage costs gap was close to the 1990 peak.The Chartered Institute of Housing Cymru said the income and mortgage costs gap was close to the 1990 peak.
Meanwhile, another report ranks the Cardiff Bay area third in the UK as a "hot spot" for first-time house buyers.Meanwhile, another report ranks the Cardiff Bay area third in the UK as a "hot spot" for first-time house buyers.
An average one-bedroom home in the CF10 postcode area around in Butetown sells for £135,421, according to a RBS property index of desirable areas.An average one-bedroom home in the CF10 postcode area around in Butetown sells for £135,421, according to a RBS property index of desirable areas.
The RBS index said the CF10 postcode, which has an average annual income of £27,584, had benefited greatly from regeneration in the bay area.The RBS index said the CF10 postcode, which has an average annual income of £27,584, had benefited greatly from regeneration in the bay area.
It is ranked third in the UK in the survey, after Lindley in Huddersfield and Bo'ness in West Lothian. It is ranked third in the UK in the survey, after Lindley in Huddersfield and Bo'ness in West Lothian, of 22 areas with most potential.
The area contains a wide variety of housingThe area contains a wide variety of housing
Other areas in the Welsh top five were Blaenrhondda CF42, Ton Pentre CF41, Ferndale CF43 and Efail Isaf CF38.Other areas in the Welsh top five were Blaenrhondda CF42, Ton Pentre CF41, Ferndale CF43 and Efail Isaf CF38.
Vaughan Gething, the councillor for Butetown, said he was not "overly surprised" the area had come out top as there was such a good range of housing in all price brackets.Vaughan Gething, the councillor for Butetown, said he was not "overly surprised" the area had come out top as there was such a good range of housing in all price brackets.
Mr Gething, who lives in CF10, said: "Butetown is also still a place in the older housing where you've got a community.Mr Gething, who lives in CF10, said: "Butetown is also still a place in the older housing where you've got a community.
"I think you will get more for your money than some of the newer areas.""I think you will get more for your money than some of the newer areas."
But Tom Wilson, 21, said he had considered moving to the area, but struggled to find mid-price properties.But Tom Wilson, 21, said he had considered moving to the area, but struggled to find mid-price properties.
Mr Wilson, who works at Cardiff Guitars on West Bute Street, said: "Some are quite cheap - but when you look you see it's not as desirable. and then you have the really expensive properties - like £300,000 for a one-bed flat in the bay."Mr Wilson, who works at Cardiff Guitars on West Bute Street, said: "Some are quite cheap - but when you look you see it's not as desirable. and then you have the really expensive properties - like £300,000 for a one-bed flat in the bay."
Toby Wilson considered moving to the areaToby Wilson considered moving to the area
He added: "I was looking to buy around this area, but decided to move to Penylan. This area [CF10] is still a little bit underdeveloped at the moment."He added: "I was looking to buy around this area, but decided to move to Penylan. This area [CF10] is still a little bit underdeveloped at the moment."
Laura D'Rozario, 19, said she had noticed a big improvement in the area in recent years.Laura D'Rozario, 19, said she had noticed a big improvement in the area in recent years.
"It's very nice round here compared to how it used to be."It's very nice round here compared to how it used to be.
"People would not want to live down here because of the gangs and the drug selling, but now everyone wants to come down here. There's a very close community.""People would not want to live down here because of the gangs and the drug selling, but now everyone wants to come down here. There's a very close community."
LEAST AFFORDABLE HOUSING Pembrokeshire 5.86:1Powys 5.56:1Cardiff 5.03:1Ceredigion 4.98:1Denbighshire 4.91:1Wales average 4.22:1CIH Cymru - house price to income ratio, 2005LEAST AFFORDABLE HOUSING Pembrokeshire 5.86:1Powys 5.56:1Cardiff 5.03:1Ceredigion 4.98:1Denbighshire 4.91:1Wales average 4.22:1CIH Cymru - house price to income ratio, 2005
Ms D'Rozario said the bars and restaurants of the bay, just a five minute walk away, also made the area more desirable.Ms D'Rozario said the bars and restaurants of the bay, just a five minute walk away, also made the area more desirable.
But a second report released on Wednesday by the Chartered Institute of Housing Cymru (CIH Cymru), has highlighted Cardiff as one of the places where first time buyers find it particularly hard to get on the property ladder.But a second report released on Wednesday by the Chartered Institute of Housing Cymru (CIH Cymru), has highlighted Cardiff as one of the places where first time buyers find it particularly hard to get on the property ladder.
CIH Cymru's briefing found the average house price in Wales was £123,362, compared to an income of £29,241.CIH Cymru's briefing found the average house price in Wales was £123,362, compared to an income of £29,241.
Steve Long, director of CIH Cymru said: "This briefing has important implications for housing policy in Wales, and particularly for the need to ensure an adequate and targeted supply of affordable housing for those working households unable to buy their own home, even at the lower end of local housing markets."Steve Long, director of CIH Cymru said: "This briefing has important implications for housing policy in Wales, and particularly for the need to ensure an adequate and targeted supply of affordable housing for those working households unable to buy their own home, even at the lower end of local housing markets."
It found that for younger working households throughout Wales, the average house price to income ratio is now more than four to one.It found that for younger working households throughout Wales, the average house price to income ratio is now more than four to one.
In Pembrokeshire, Powys and Cardiff the ratio is more than five to one.In Pembrokeshire, Powys and Cardiff the ratio is more than five to one.
The most affordable areas in Wales were Merthyr Tydfil, Blaenau Gwent and Rhondda Cynon Taff The most affordable areas in Wales were Merthyr Tydfil, Blaenau Gwent and Rhondda Cynon Taff.
John Puzey, the director of Shelter Cymru said there was a knock-on effect on people on the lowest incomes, as people who would have bought "on the lowest rung" were now also competing for "scarce rental accommodation".
He said the charity were "increasingly" working with families who were forced to stay with relatives or friends or in poor accommodation, which had a "dramatic effect" on family life.