Second steppers 'forgotten': How tighter mortgage 支配するs and house prices stop homemovers 貿易（する）ing up
- Homemovers have not had the same level of 焦点（を合わせる） as first-time 買い手s
- They have been constrained by new mortgage 支配するs
- There have been 3M より小数の 処理／取引s の中で homemovers since 2007
Homeowners looking to make their first move up the 所有物／資産／財産 ladder have become the 'forgotten' part of the 住宅 market, a 主要な 住宅 専門家 has 警告するd.
While first-time 買い手s have been the 焦点（を合わせる） of 政府 率先s such as Help to Buy and Starter Homes, those already on the 所有物／資産／財産 ladder - but on the 底（に届く） rung - have been overlooked, によれば Savills director of 居住（者） 研究 Lucian Cook.
He said: 'Homemovers have bore the brunt of the 減少（する） in 処理／取引 levels. They have not had the same level of 焦点（を合わせる） の中で policymakers as first-time 買い手s.'
Homemovers have become the 'forgotten' part of the 住宅 market, says Savills 広い地所 スパイ／執行官s.
His comments come after 広い地所 スパイ／執行官 Savills 解放（する）d 人物／姿／数字s showing the number of 年次の 処理／取引s levels in the 住宅 market are 負かす／撃墜する 25 per cent on the 10 year pre-credit 危機 普通の／平均（する） of 1.6 5million.
It means that since the beginning of the credit 危機, there have been 5.26million より小数の 処理／取引s than would have been 推定する／予想するd.
It is mortgaged homemovers who have been 攻撃する，衝突する the hardest, the 研究 示唆するs, with 3.1million より小数の 処理／取引s than 推定する／予想するd since August 2007 when the 財政上の 危機 took 持つ／拘留する.
This compares to 1.8m より小数の 処理／取引s の中で first-time 買い手s and 281,000 より小数の 処理／取引s の中で landlords and cash 買い手s.
| 2015 処理／取引s | Compared with the pre-危機 10 year 普通の／平均（する） | Cumulative 不足（高） since credit 危機 | |
|---|---|---|---|
| Mortgaged first-time 買い手 | 311,700 | 67% | -1,849,340 |
| Mortgaged homemover | 365,800 | 51% | -3,128,830 |
| Cash & buy-to-let | 553,760 | 119% | -281,871 |
| Total | 1,231,260 | 75% | -5,260,041 |
| Source: Savills? | ? | ? | ? |
Mr Cook explained: 'Second steppers have not been able t o move 予定 to the 強制s of new mortgage 規則 and they have not seen the accumulation of a deposit through the growth in house prices.
'We have seen this in homemovers deciding to stay put and 改善する their homes instead.'
By contrast, first-time 買い手s have been 申し込む／申し出d '激しい 援助' from the Bank of Mum and Dad and 政府 政策s, Mr Cook said.
The Help to Buy 計画／陰謀 helps those with a small deposit of as little as 5 per cent, 申し込む／申し出ing an 利益／興味-解放する／自由な 貸付金 of up to 20 per cent - or 40 per cent of the value of a 所有物／資産／財産 if it is in London.
The Starter Home 率先 is 目的（とする）d at 申し込む／申し出ing homes with a 20 per cent 割引 to first-time 買い手s under 40.
David Hollingworth, of mortgage 仲買人s London & Country, said: 'It depends on what part of the country they're in, but it has been 堅い for many second steppers. It also comes 負かす／撃墜する to タイミング and when they tried to get into the market.'?
