Episode SummaryHost Clayton M. Coke interviews Craig Carson, Managing Director of Barratt London, on how London’s housing crunch is stalling Gen Z life goals and what developers are doing to help. From 40% delaying marriage/kids to deposit matches and new-build perks, discover Barratt’s “Step on the Ladder” campaign and practical paths to ownership. Ideal for first-time buyers, renters, and property professionals.Chapters [00:00] Intro & Barratt London Overview [00:29] 40+ Years, 50K Homes, TfL Partnerships [00:57] 36% Young Adults Held Back by No Home [01:26] Gen Z Delays & “Step on the Ladder” Campaign [02:21] London Land Squeeze & Lifestyle Shifts [03:45] 29% Don’t Know How to Start Buying [04:37] Cutting Through Negative Property Press [05:05] Key Worker Deposits, Deposit Unlock, 5% Match [06:50] Shared Ownership & Lifetime ISA (£1K Bonus) [08:17] New-Build vs. Fixer-Upper Advantages [10:10] Stamp Duty Explained & Broker Advice [12:02] Tapping Buyer Excitement [13:26] Government 1.5M Homes Target [14:48] Entrepreneur Advice: Stay in the Market [15:44] Resources & Close Key Discussion Points <ul><li>Barratt London: 40+ years, 50,000 homes delivered, 2,000/year goal via TfL brownfield sites. </li><li>Gen Z Crisis: 40% delay milestones; 36% feel held back; 29% clueless on process. </li><li>Market Dynamics: Land scarcity, Elizabeth Line, hybrid work, 50% affordable homes. </li><li>Solutions: Mortgage brokers, Deposit Unlock (95% LTV), 5% deposit match, key worker schemes. </li><li>Shared Ownership (via partners), Lifetime ISA (£1,000 bonus on £4,000 saved). </li><li>New-Build Perks: Move-in ready, energy-efficient, 10-year NHBC warranty. </li><li>Stamp Duty/Mortgages: Hidden costs; brokers simplify. </li><li>Policy: 1.5M homes target; ambitious collaboration needed.</li></ul>Key Takeaways <ul><li>Mortgage often cheaper than rising rent—deposit access is key. </li><li>Lifetime ISA adds £1,000 free per £4,000 saved annually. </li><li>New homes = lower bills, no reno hassle, prime transport links. </li><li>Start with a broker to avoid surprises like stamp duty. </li><li>Optimism drives sales—focus on dream, not hard-sell.</li></ul>Notable Quotes <ul><li>“40% of Gen Z are putting off marriage, children, or travel because of the housing ladder.” – Craig Carson </li><li>“The difference between mortgage and rent is marginal—accessing deposit is key.” – Craig Carson </li><li>“Buying new: move in, put furniture down, start living—day one.” – Craig Carson </li><li>“Better being in the market than not in the market.” – Craig Carson</li></ul>Actionable Insights for Businesses <ul><li>Launch beginner guides like “Step on the Ladder” to build trust. </li><li>Offer deposit boosts (5% match, 95% LTV) to close rent-vs-buy gap. </li><li>Market new-build energy savings and 10-year warranties. </li><li>Partner with housing associations for shared ownership pipelines. </li><li>Train teams on empathy—guide buyers through nerves to excitement.</li></ul>Resources <ul><li><a href="https://www.barratthomes.co.uk/">Barratt Homes Website</a></li><li><a href="https://www.barratthomes.co.uk/new-homes/london/advice-and-inspiration/step-on-the-ladder/">Step on the Ladder Campaign </a></li></ul>The Cashflow Show can be reached here:Website: <a href="http://www.thecashflowshowpodcast.com">www.thecashflowshowpodcast.com</a> <a href="https://mail.google.com/mail/u/0/#inbox/WhctKKZGTxBSHmxFBFZTZplRtGfhwDzlrpHtwxzKbdKqqnKTbWRxRrFGSpJThZKHDpCQhFQ?compose=fwmvGMBmCbZDMngDDpPjGDzpkZlZjphFLWBPkspbnNdlnfFJnLrXhCGDSnFXGmXKfjRjGRwSVSbsxrbBLrtppXDBCTShmGpzWcxCttjDdWGGvxtdNMFVmailto:thecashflow">Email: thecashflowshowpodcast@gmail.com</a>Twitter: <a href="https://twitter.com/thecashflowshow">https://twitter.com/thecashflowshow</a> Instagram: <a href="https://instagram.com/thecashflowshowpodcast">https://instagram.com/thecashflowshowpodcast</a>To sponsor or advertise on The Cashflow Show Podcast, contact us at <a href="https://dashboard.transistor.fm/shows/the-cashflow-show/episodes/newmailto:thecashflowshowpodcast@gmail.com">thecashflowshowpodcast@gmail.com</a>Clayton M Coke can be found here:LinkedIn: <a href="https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=2ahUKEwiNlc7Y0v3jAhVTT8AKHfLpBtAQFjAAegQIBhAB&url=https://uk.linkedin.com/in/claytoncoke&usg=AOvVaw2SpfsRoINDPTGYq3qjGngQ">https://uk.linkedin.com/in/claytoncoke</a>Website: <a href="https://www.prmsltd.co.uk">https://www.prmsltd.co.uk</a>Email: <a href="https://mail.google.com/mail/u/0/#inbox/WhctKKZGTxBSHmxFBFZTZplRtGfhwDzlrpHtwxzKbdKqqnKTbWRxRrFGSpJThZKHDpCQhFQ?compose=fwmvGMBmCbZDMngDDpPjGDzpkZlZjphFLWBPkspbnNdlnfFJnLrXhCGDSnFXGmXKfjRjGRwSVSbsxrbBLrtppXDBCTShmGpzWcxCttjDdWGGvxtdNMFVmailto:info@prmslt">info@prmsltd.co.uk</a> Twitter: <a href="https://twitter.com/prmsltd">https://twitter.com/prmsltd</a> Instagram: <a href="https://www.instagram.com/prmsltd/">https://www.instagram.com/prmsltd/</a> Our theme music is called "The Mediator - aka Theme from The Cashflow Show" [PRS] and "Better Call Clayton" [PRS] “What are YOU like?”, “60 Second Shoot-Out” &"What About The Tech?" are all intellectual properties of Dialogue [London] Ltd(c) Clayton M Coke/PRMS Ltd/Dialogue [London] Ltd | All Rights Reserved 

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