Posh-bashing: Enough to make you want to leave the Bullingdon Club

Benedict Cumberbatch should realise that being sneered at for being posh just isn't that bad.

The actor Benedict Cumberbatch is considering leaving the UK on account of “all the posh-bashing that goes on“. Sick and tired of being “castigated as a moaning, rich, public-school bastard”, he might just up and leave. I sincerely hope this doesn’t happen. My partner and I have had him on “the list” for years, all thanks to a particularly saucy scene in To The Ends of The Earth. Visits to the SS Great Britain in Bristol haven’t been the same since and for that we have Benedict to thank.

Like Cumberbatch, I too have been a victim of posh-bashing. Unlike him, this was not because I attended a posh school. Au contraire, I attended a normal state school, but was bashed on account of being the type of person who needlessly throws around phrases such as “au contraire” (I also have a ridiculously long name, a barrister dad and degrees from Oxford and Cambridge. I might have a northern accent, but I know where I stand on the poshometer, and it’s a million miles away from Coronation Street). So Benedict Cumberbatch, I know where you’re coming from (well, not literally, since I didn’t go to Harrow. But generally, I mean). Posh-bashing is mean, and it’s clearly wrong. But is it really that big a deal?

When I mentioned the posh-bashing to my partner – an Old Sennockian, no less – he was less than sympathetic. “Ooh, I wouldn’t mind a bit of the old posh-bashing with Benedict,” he winked, trying (unsuccessfully) to create a cheeky innuendo. See? That’s just the kind of attitude the poshos are up against, and it’s from their own kind (self-hating poshos are the worst). Me, I feel for Benedict, but mainly due to his total inability to get a bit of perspective. Being sneered at for being posh just isn’t all that bad. We all get sneered at for being either too posh or too common (at Oxford even I found myself in situations where, relatively speaking, I was a veritable Hilda Ogden). It’s just not that important.

Of course, the ideal position to be in is that of a very rich person from a very poor background. That way you get all the kudos of being self-made and having suffered and none of the shit that actually comes with being poor. Of course, you won’t be able to pass this unique status on to your children. Send them to whatever school you like and they’ll still be posh kids now. All the same, it’s better than them being poor.

According to Brendan O’Neill in the Telegraph, “posh-bashing has replaced prole-bashing as the nastiest strain in British politics”. It really hasn’t, though. All the “media handwringing over the Oxford Bullingdon Club” isn’t happening because it’s fun. It isn’t fun. It’s depressing that our country is in the hands of people who have so little idea of what middle-class muddling, let alone real deprivation, actually is. Despairing over David Cameron’s cossetted background isn’t the same as salivating over the apparent uselessness of chavs. Neither is it the same as being a bit mean to Benedict Cumberbatch. I’d defend Cumberbatch’s right to be left in peace way before Cameron’s, but still – even the sexiest Sherlock Holmes needs to get a grip.

In 1983 I had a full-on scrap with a classmate who accused me of being posh. Looking back, it was brilliant – everyone standing around after school in a huge circle, clapping and chanting “scrap! scrap!” – but at the time it was terrible. It got broken up by a teacher, just when I was about to win (whatever that would have involved), leaving my nemesis to insist that she was the victor. What with her being the cool, non-posh one, everyone went along with this (but it wasn’t true. Au contraire, I was way harder). Anyhow, a decade later I got my revenge. I had a place at Oxford and my dad was defending my nemesis for ABH. She was working as a hairdresser and, putting our differences aside, I went to her for my “going to university” haircut. She told me my dad was doing a good job and a small part of me couldn’t help thinking “Hah! Posh girl won in the end”. But it was a rubbish thought and, quite rightly, it made me feel crap. Posh people always win in the end. The bashing makes no difference at all.

This post first appeared here on glosswatch.com. Glosswitch is a feminist mother of two who works in publishing.

Benedict Cumberbatch. Posh and over-sensitive? Photograph: Getty Images

Glosswitch is a feminist mother of three who works in publishing.

Getty
Show Hide image

I was wrong about Help to Buy - but I'm still glad it's gone

As a mortgage journalist in 2013, I was deeply sceptical of the guarantee scheme. 

If you just read the headlines about Help to Buy, you could be under the impression that Theresa May has just axed an important scheme for first-time buyers. If you're on the left, you might conclude that she is on a mission to make life worse for ordinary working people. If you just enjoy blue-on-blue action, it's a swipe at the Chancellor she sacked, George Osborne.

Except it's none of those things. Help to Buy mortgage guarantee scheme is a policy that actually worked pretty well - despite the concerns of financial journalists including me - and has served its purpose.

When Osborne first announced Help to Buy in 2013, it was controversial. Mortgage journalists, such as I was at the time, were still mopping up news from the financial crisis. We were still writing up reports about the toxic loan books that had brought the banks crashing down. The idea of the Government promising to bail out mortgage borrowers seemed the height of recklessness.

But the Government always intended Help to Buy mortgage guarantee to act as a stimulus, not a long-term solution. From the beginning, it had an end date - 31 December 2016. The idea was to encourage big banks to start lending again.

So far, the record of Help to Buy has been pretty good. A first-time buyer in 2013 with a 5 per cent deposit had 56 mortgage products to choose from - not much when you consider some of those products would have been ridiculously expensive or would come with many strings attached. By 2016, according to Moneyfacts, first-time buyers had 271 products to choose from, nearly a five-fold increase

Over the same period, financial regulators have introduced much tougher mortgage affordability rules. First-time buyers can be expected to be interrogated about their income, their little luxuries and how they would cope if interest rates rose (contrary to our expectations in 2013, the Bank of England base rate has actually fallen). 

A criticism that still rings true, however, is that the mortgage guarantee scheme only helps boost demand for properties, while doing nothing about the lack of housing supply. Unlike its sister scheme, the Help to Buy equity loan scheme, there is no incentive for property companies to build more homes. According to FullFact, there were just 112,000 homes being built in England and Wales in 2010. By 2015, that had increased, but only to a mere 149,000.

This lack of supply helps to prop up house prices - one of the factors making it so difficult to get on the housing ladder in the first place. In July, the average house price in England was £233,000. This means a first-time buyer with a 5 per cent deposit of £11,650 would still need to be earning nearly £50,000 to meet most mortgage affordability criteria. In other words, the Help to Buy mortgage guarantee is targeted squarely at the middle class.

The Government plans to maintain the Help to Buy equity loan scheme, which is restricted to new builds, and the Help to Buy ISA, which rewards savers at a time of low interest rates. As for Help to Buy mortgage guarantee, the scheme may be dead, but so long as high street banks are offering 95 per cent mortgages, its effects are still with us.