It’s not fair those renting get more universal credit?

No because your mortgage is effectively a loan to buy yourself a property! Housing benefit if you rent is necessary miniumum to have temporary shelter. It's not an investment in your your property ownership

Because when you're renting you're giving that money straight to landlord/property owner to use that property for a month. When you're paying your mortgage you're effectively paying back a large loan that you took out in order to buy a property that would then by yours forever. You getting the same benefits would be public money being spent on paying back what is effectively your private loan to buy a property that will be yours forever.

I think all benefits aren't great and i hate the way people with the least are turned against each other when the rich get richer. The aviation industry is subsidised by £7 BILLION every year.

I had help with mortgage interest payments for a few years on the old tax credit system, it wasn’t much or a big mortgage. While I understand the theory that the government / tax payers shouldn’t pay towards an asset, the other side of the coin is if I were in rented accommodation it would have been a much larger sum and I may have needed housing benefit forever.

Yes and they have just actually reduced the waiting time now for people to get this. So someone on UC who lost their job can now claim support for mortgage interest after 3 months on UC as opposed to the nine months it used to be. Agree it's not great it being a loan but some people used to claim the SMI for years on end whilst house prices soared, I guess they changed it to discourage people form claiming it.

If a home owner lost their job in the past the government used to pay the interest on their mortgage while they were out of work. Like housing benefit.

At some point in the past 14 year that help was changed to a loan.

So if you're a home owner, & lose your job the government becomes a sort of 'equity release' agency.

Some of you probably voted for this.

Stop looking downward at those with less and and start looking up at those stopping you getting more.

Only to the extent that payments go towards principal. Interest payments on a mortgage are essentially rent to the bank.

There are other benefits for homeowners only. I can't remember exactly what, something to do with boilers, stopping damp and loft insulation I think. They keep advertising it on facebook.

Hardly my fault that house prices have risen. They normally do. I do just fine, so do my tenants, and I pay 40 percent tax on rental income on some of my houses. I sold one in 2023 and payed capital gains tax too. LL's bring 40 billion to the UK economy every year.

Because the person renting didn't take out an enormous debt they're having to repay? If you were renting instead, you could claim housing benefit. Taking out a mortgage is a risk and a choice.

You poor thing. Owning your own home. How dreadful for you.

You're confused: the extra universal credit in the calculator you're seeing is the housing element, which goes to the landlord.

If you mean you think that either renters on universal credit should be made homeless or that people with mortgages should get them paid by benefits, well, both are absurdly unreasonable.

A mortgage is a debt and benefits shouldn't really be given to pay off people's debts for them.

Of course, we need much more affordable housing so that benefits aren't being used to pay private landlords' debts for them.

(Council housing rent goes back to the treasury, so isn't lost to taxpayers like private rent is.)

The biggest fuck up in this country was rtb.housing benefit costs would be a fraction of what they are now.council rents are a true reflection of rental costs not vastly inflated private rent.

The houses have increased hugely in value though. How many do you now own is it ten/ eleven ? You must be doing well out of it somehow !!

I only mentioned the children in relation to the work allowance, maybe didn't make the point very well.

You'll be pleased to know the percentage of homes owned by LL's is now about 6 percent lower in 2023 than in 2018. That's why rents have gone up. The same number of renters but less rental houses to home them. Many LL's are selling up and others are waiting to see what happens with the Renters Reform Bill and EPC. Just out of interest if all LL's sold up where would you house renter's who can't afford a deposit to buy because I think you'd agree there are just not enough social housing to home them all? During the LL sell off house prices haven't come down. So the argument that LL's are somehow stopping first time buyers from buying a home is redundant. Also plenty of houses on Rightmove. As you well know most LL are not on repayment mortgages but interest only so a renter is not buying the house for the LL. They are renting the house in the same way as they lease a car. No one forces a person to rent. They apply if they want too.

Also with UC,if you have a mortgage,you will have a higher earnings threshold,as apposed to housing benefit.This is rarely mentioned in the 'why do people get rent paid,but won't pay my mortgage'debate.