You're NOTHING without your own home...you need to get a mortgage NOW!

A pre-credit crunch and housing scam/pyramid television advert that goes a long way in illustrating how guys are put under pressure to get into debt and all for the sake of "getting on the ladder". Obviously, the advert was meant to send the message that it's cool to be in debt and it's cool to live in a home that will take three life times to pay off!

Millions of guys have been put under pressure and left feeling like worthless scum for simply not being feckless like Mr Jones next door or stupid like their partner's pal who managed to persuade her boyfriend to sign up for a 10 x Salary mortgage! We've all seen it and we've heard the countless boring tales from female work colleagues that usually start with "me and my partner have bought a home" followed by MONTHS of moans and groans about the bureaucracy issues that surround mortgages and home buying. I think a lot of us would just love to stand up and shout "I DO NOT GIVE A SHIT! SHUT THE FUCK UP!"...but of course we can't do that because we'd probably get fired or at the very least the "you're jealous because you're not on the ladder" female non-logic rhetoric! Yeah...like I’m jealous that I don’t have £1000 going out of my salary every month??? Fuck off!

Some may think that I am woman bashing here but believe me it is true that the mortgage and housing market is led by indirect demand from feckless women! Take a few moments out of your life and visit www.moneysavingexpert.com (MSE) and visit the Mortgage forum. Most who post there are female and write in a manner that indicates home ownership is a god given right! I have no problem with such bullshit but what is a concern are the 'other' things they write in the thread:

• Intention to have kids
• Pregnancy
• Maternity Leave
• Benefits
• Return to work Part time

Why is that a problem to me? Well, they post on that forum asking for advice (normally spelt as advise) about how much they can borrow with regards to a mortgage (normally spelt as morgage). They then detail the salary of the male (aka DH, DB, HB or whatever bullshit acronym that mumsnet has come out with) followed by their own salary. Ok...fine so far? However, later on either in the thread or the original post, the woman will then let everyone know that she intends to have a baby, go on maternity leave and then probably not return to work! That is a problem! The amount they borrow will be based on a joint income BUT cupcake intends to drop out of the Economy through pregnancy once the house is secured? So who makes up the short fall? The man - through paying more - and the Taxpayer - through Child Benefit, Tax Credits and all the other bullshit 'benefits' that Gordon Brown dreampt up! I don't think that is fair!

Of course there are those threads that spell out clearly the frustration of a woman turned down for a mortgage due to bad credit....or...god forbid...lack of affordability! You'll read shit like "we need to move into a bigger home", "we want to have children" and "we want to move on with our lives"???? Replace "we" with "I" because cupcake doesn’t give a shit about what the walking cash machine wants or what is logical and/or sensible! The headlong rush to get into massive debt is just beyond me in comprehension! I can understand a couple of 1000s for a car or just to piss up the wall but debt in the 100s of thousands and for a home that 8 years ago was a fraction of the cost? Fuck that and fuck the supply/demand and inflation bollocks! House Prices have been determined by rampant speculation and by idiots - as described above - falling for adverts like the one I posted above! Those I mentioned above have condemned the next generation to a lifetime of debt unless the Government acts now and cuts the feckless loose: raise Interest Rates to 8%.

Oh!! And then of course there is the issue of who stays in the home and who pays for the home when cupcake and the man split up? We’ll leave that for a later date...but don’t forget this people:

A mortgage is a debt!