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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think you shouldn't expect to buy a home on a single salary?

462 replies

Fivebedexecutivehome · 22/07/2024 10:29

Genuinely interested in people's thoughts.

There's no doubt there's a shortage of appropriate housing in the UK, and that prices make home ownership for many people on average salaries.

But I find a lot of reporting about the topic weird- lots of interviews with people who seem to want to buy a property by themselves.

most recent one on BBC but not unique:
https://www.bbc.co.uk/news/articles/c7209lk8x2wo

My husband and I managed to get on the housing ladder a few years ago, early/mid thirties, both full time with a combined income of about 75k at the time, had been saving for about a decade towards deposit, plus a couple of grand from each of our parents to get it over the line. Got in towards the bottom end of the market of the (south eastern) town we live in.

I recognise both of us are quite privileged in lots of ways - having a bit of family support and salaries in the 30ks and 40ks. But there's no way either of us would have been able to ever buy a property by ourselves. But there's 68 million people in this country, surely the expectation can't be that everyone wants to buy a property themselves? And surely that's never been the expectation previously?

Emma Harris wearing glasses and a green floral top against a white wall

Renters face affordability block to buying a home

Renters are four times less likely than current owners to be able to afford a home, research suggests.

https://www.bbc.co.uk/news/articles/c7209lk8x2wo

OP posts:
loropianalover · 22/07/2024 12:48

Fivebedexecutivehome · 22/07/2024 12:45

I'm not saying it wouldn't be "right" - I'm not assigning any moral value at all.

In reality, in previous generations single people wouldn't generally own their own homes, no.

The population of the country has only increased since then. 52 mil people in 1960, not all owning their own homes! 68mil now. Where do such a lot of extra houses come from?

Single people wouldn’t generally own their own homes in previous generations, but in previous generations it was very very likely that the man would go out to work, and the woman stay at home. So it’s still only one wage which purchased the house, and the wage had to feed/keep more people.

MidnightPatrol · 22/07/2024 12:47

@Fivebedexecutivehome

So every unattached adult in Britain has to live in a house share?

Fivebedexecutivehome · 22/07/2024 12:46

MidnightPatrol · 22/07/2024 12:41

Re: environmental impact… where do you think all these non-homeowners are living now?

With other people?

OP posts:
Superhansrantowindsor · 22/07/2024 12:46

Houses used to be affordable on one average wage. They should be now.

Fivebedexecutivehome · 22/07/2024 12:45

LimesOfBronze · 22/07/2024 12:16

By your logic, OP, if you or your spouse were to lose one of your incomes or were to separate, you wouldn’t consider it right for you to be able to own your own home.

Housing security should be a right, not a privilege. Married person who can’t afford to buy and whose income will never exceed 30k.

I'm not saying it wouldn't be "right" - I'm not assigning any moral value at all.

In reality, in previous generations single people wouldn't generally own their own homes, no.

The population of the country has only increased since then. 52 mil people in 1960, not all owning their own homes! 68mil now. Where do such a lot of extra houses come from?

OP posts:
GettingAroundTown · 22/07/2024 12:44

Fivebedexecutivehome · 22/07/2024 12:36

OK, clearly IABU!

I enjoyed some of the assumptions from some posters about my marriage and political views, including the one inexplicably accused me of being a homophobe.

Obviously there are a number of countries where home ownership isn't really the norm (Germany for example) and obviously the environmental impact of building enough houses so that every adult can own one would be huge, but I'm glad to see there's actually no nuance to the issue really...

Well you're the one that a) posted with no nuance and b) targeted single people.

Obviously being single is not the issue. A single earner could earn 200K why would anybody prevent them from buying a house?

FWIW I agree with you,in that 'everyone owning homes' isn't a worthy goal
Everyone deserve a stable home, yes whether it's a lifetime tenancy with affordable rent or home ownership.

i mean, everyone could be a 'homeowner' of a pod sized, rabbit hutch flat, or they could have low rent houseshares or large flats with self contained units. How is ownership making it different especially as flats still require management charges.

We cannot build landed property for everyone we are a tiny island.

However your AIBU title is deliberately inflammatory and you just posted a silly article with not additional discussion
So YABVVU

GirlOfThe70s · 22/07/2024 12:41

This is tosh. I bought my first flat on my own, as did my best friend (she actually bought a whole house). I have had colleagues and family members who have also bought property on their own. I've had other property as a single person, until I met my husband and we bought together.

MidnightPatrol · 22/07/2024 12:41

Fivebedexecutivehome · 22/07/2024 12:36

OK, clearly IABU!

I enjoyed some of the assumptions from some posters about my marriage and political views, including the one inexplicably accused me of being a homophobe.

Obviously there are a number of countries where home ownership isn't really the norm (Germany for example) and obviously the environmental impact of building enough houses so that every adult can own one would be huge, but I'm glad to see there's actually no nuance to the issue really...

Re: environmental impact… where do you think all these non-homeowners are living now?

Fivebedexecutivehome · 22/07/2024 12:40

Wingingit11 · 22/07/2024 12:20

Wonder if @Fivebedexecutivehome will return or too busy polishing their multiple taps. I’m a single person, like others not by choice, I work bloody hard and am in a fortunate position to put a roof over my children’s head. I hope that’s ok and my married neighbours who live in an identical home don’t catch my single status

Again, we clearly don't have multiple bathrooms- can't afford them on our salaries!

OP posts:
BeachRide · 22/07/2024 12:39

PrimalLass · 22/07/2024 12:34

I find it more strange the BBC are gaslighting us again because that's a man.

I'm sure once 'Emma' finds a rich husband he'll be fine ...

Fivebedexecutivehome · 22/07/2024 12:38

KatiesMumWoof · 22/07/2024 11:58

@Fivebedexecutivehome

what are your plans when your husband walks out on you?

I didn't need a man to buy my house. Ok so it's not 5bed detached, but it's mine, all mine.

your smugness is not attractive.

The username is clearly a joke, dear. We live in a small ex- council property- no-one on our incomes could afford a detached house in the South East

OP posts:
ButterflyCounting123456 · 22/07/2024 12:38

Looking at UK stats

1914 15% of population were home owners
1938 32% of population were home owners
Building was increased after WW11 & Government policies have changed over time to encourage home ownership
1996 67% of population were home owners
2024 50% of population are home owners

I cannot easily find the info about buying as a single person (someone may be able to find this)

However, historically in the past some women did not work after marriage.

ssd · 22/07/2024 12:37

I bought my own flat myself with a 100% mortgage. Its not fair people can't do that now.

DownThePubWithStevieNicks · 22/07/2024 12:36

So you and your husband both earned less individually than the person in the article, but because you had the great virtue of being marrieds you deserved it and the person didn’t?

Fivebedexecutivehome · 22/07/2024 12:36

OK, clearly IABU!

I enjoyed some of the assumptions from some posters about my marriage and political views, including the one inexplicably accused me of being a homophobe.

Obviously there are a number of countries where home ownership isn't really the norm (Germany for example) and obviously the environmental impact of building enough houses so that every adult can own one would be huge, but I'm glad to see there's actually no nuance to the issue really...

OP posts:
PrimalLass · 22/07/2024 12:34

I find it more strange the BBC are gaslighting us again because that's a man.

RedToothBrush · 22/07/2024 12:34

My closest friends are in their fifties. They all bought alone. Many of my friends who are similar in age to me bought alone. In good areas.

But DH is younger than me and many of his friends haven't been able to do similar. Particularly if they are several years younger.

Uselesssil · 22/07/2024 12:33

My ds and I bought a house. I paid the deposit (from an inheritance) and he was paying the mortgage. He was managing to pay that okay, but interest rate shot up, so we paid off the rest of the mortgage together. He has continued paying me the amount it was costing him on the mortgage and will pay me the rest of the mortgage money he owes later this year, leaving him (single and in his mid thirties) a fully paid up house owner. He does live in a low housing cost area though.

diktat · 22/07/2024 12:30

I think OP thinks you're only a 'growned up' if you're married.

TaylorSwish · 22/07/2024 12:29

Pretty much all our parents and grandparents bought a house on one income. I don’t see why this generation wanting to do the same is a problem?

voiceofastar · 22/07/2024 12:28

Rewis · 22/07/2024 12:24

You're right. The single youth of today are so spoiled with the housing options. Do you really even need a hole? Shovel is just an extra unnecessary asset.

I would be wary of having a hole. Look at what NIMBYs do to moles.

orangeleopard · 22/07/2024 12:26

Everyone should be entitled to buy their own home instead of renting. It shouldn’t be the way it is, where people have to rent because they cannot afford a deposit. I don’t understand why you have to bring relationship status into it. Why should someone not expect to want to buy their own home because they’re single? As if they’re any less of a person because of their relationship status. So what you’re saying is that couples in your eyes are acceptable to own their own home but single people have to make do with what they get? EVERYONE should be entitled to buy their own home, but unfortunately in todays age it’s virtually impossible

PizzaPastaWine · 22/07/2024 12:25

Wait til your marriage goes tits up OP and then see if you feel the same.

Cesarina · 22/07/2024 12:24

I was born in the 50's.
I have many acquaintances who bought their house/flat as single people when they reached adulthood.
They were mostly in steady, safe, well-paid jobs in the public sector, and just wanted to invest in a home of their own.
Certainly, as many PPs have said, not everyone is part of a couple, and why on earth should single people not have as much right to own their home as couples, rather than wait around for a partner who may or may not materialise?
But the crucial factor is that we can't fail to know that housing was far more affordable then than it is now, and it was perfectly possible and quite normal for property to be bought just on one salary.
That's what well-paid single people are angry about.

jeaux90 · 22/07/2024 12:24

BBC are completely obsessed with men who identify as women. 6 articles about the COL and all are about these males with "special" identities. So bored of this gaslighting.

In terms of the OP, I'm a lone parent so what would do OP? Suck it up in the rental system lining other people's pockets? Effing ridiculous.

I'm lucky that I'm on a 6 figure income so I've been able to buy a house but honestly I despair at people like you. You probably also think people shouldn't have kids unless they are in a heterosexual relationship!