The Cashflow Show: Entrepreneurship Insights for Founders, CEOs and Business Leaders

Episode Summary
Host 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 
  • Barratt London: 40+ years, 50,000 homes delivered, 2,000/year goal via TfL brownfield sites. 
  • Gen Z Crisis: 40% delay milestones; 36% feel held back; 29% clueless on process. 
  • Market Dynamics: Land scarcity, Elizabeth Line, hybrid work, 50% affordable homes. 
  • Solutions: Mortgage brokers, Deposit Unlock (95% LTV), 5% deposit match, key worker schemes. 
  • Shared Ownership (via partners), Lifetime ISA (£1,000 bonus on £4,000 saved). 
  • New-Build Perks: Move-in ready, energy-efficient, 10-year NHBC warranty. 
  • Stamp Duty/Mortgages: Hidden costs; brokers simplify. 
  • Policy: 1.5M homes target; ambitious collaboration needed.
Key Takeaways 
  • Mortgage often cheaper than rising rent—deposit access is key. 
  • Lifetime ISA adds £1,000 free per £4,000 saved annually. 
  • New homes = lower bills, no reno hassle, prime transport links. 
  • Start with a broker to avoid surprises like stamp duty. 
  • Optimism drives sales—focus on dream, not hard-sell.
Notable Quotes 
  • “40% of Gen Z are putting off marriage, children, or travel because of the housing ladder.” – Craig Carson 
  • “The difference between mortgage and rent is marginal—accessing deposit is key.” – Craig Carson 
  • “Buying new: move in, put furniture down, start living—day one.” – Craig Carson 
  • “Better being in the market than not in the market.” – Craig Carson
Actionable Insights for Businesses 
  • Launch beginner guides like “Step on the Ladder” to build trust. 
  • Offer deposit boosts (5% match, 95% LTV) to close rent-vs-buy gap. 
  • Market new-build energy savings and 10-year warranties. 
  • Partner with housing associations for shared ownership pipelines. 
  • Train teams on empathy—guide buyers through nerves to excitement.
Resources 

The Cashflow Show can be reached here:
Website: www.thecashflowshowpodcast.com 
Email: thecashflowshowpodcast@gmail.com
Twitter: https://twitter.com/thecashflowshow 
Instagram: https://instagram.com/thecashflowshowpodcast

To sponsor or advertise on The Cashflow Show Podcast, contact us at thecashflowshowpodcast@gmail.com
Clayton M Coke can be found here:
LinkedIn: https://uk.linkedin.com/in/claytoncoke
Website: https://www.prmsltd.co.uk
Email: info@prmsltd.co.uk
Twitter: https://twitter.com/prmsltd
Instagram: https://www.instagram.com/prmsltd/

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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