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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:
anniegun · 22/07/2024 11:27

Normalising the fact that housing is basically unaffordable for most young people is very wrong. You just need to go back a few decades and look at earnings relative to house costs to realise how insane it is

MidnightPatrol · 22/07/2024 11:26

I find the idea you need to be coupled up to afford a home very odd tbh.

A third of all UK households are single people - should they all be expected to live in rental accommodation with the long and short term challenges that brings?

AllPrincessAnneshorses · 22/07/2024 11:26

Depends how much you earn and where you live. I can't help feeling that what this woman means is she can't rent somewhere nice and have a nice lifestyle whilst saving. Probably true.

loropianalover · 22/07/2024 11:25

I agree with @AndForAFortnightThereWeWereForever “There can't be any blanket rule or blanket statement about this.”

OP says they and their partner had a joint income of 75k and could buy. A single person could make the same/more on their own, why should they have to rent? By the time you’re making 75k in your career it’s dehumanising to live in a moldy flat or house where you’re not allowed paint the walls or make any changes.

I think a lot of the issue now is how precarious renting is - a lot of landlords are looking to get out of the game, or the rental price they’re stuck at is not worth it. If the economy was in a better place and people didn’t having a looming fear of eviction in the back of their minds, renting would be much easier. The constant threat/fear of eviction is the number 1 reason I want to buy. We pay more in rent now than a mortgage will be.

Scunnered123 · 22/07/2024 11:25

Sometimes I think it has to do with expectations. I bought a small 1 bed flat in my twenties (average salary), in a relatively unpopular area of the city. There were similar articles in the press at the time from people on similar salaries to mine bemoaning the fact they couldn't afford to buy (a 3-bed house with a garden). I read the story and wondered what her expectations were. £50k is a high salary to me.

TellTaleHeart14 · 22/07/2024 11:25

Another single parent here, part time worker and I own my home. Though I’m in Scotland so homes are much more affordable up here.

Geiyotue · 22/07/2024 11:25

I didn't get married till I was 32, but I moved out of home age 19. I bought my first house age 23. I think it's a reasonable expectation to be able to live alone and buy a property.

Op, do you think everyone should be in a relationship?

JemimaTiggywinkles · 22/07/2024 11:25

In addition to all the point above about single people needing somewhere to live, the fact that it takes two salaries to buy a decent house (ie small 3 bed in a safe area) causes other problems.

For instance, if houses were affordable on one average salary, ordinary couples would be able to afford to pay their own childcare costs rather than needing government to pay for it. So government funding could be targeted better (eg to single parents, or those unable to work).

Manhere2024 · 22/07/2024 11:24

Looking at the photo of Emma, my first thought is that Will Self has let himself go!

CantHoldMeDown · 22/07/2024 11:24

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This has been withdrawn by MNHQ at the poster's request.

Ted27 · 22/07/2024 11:23

I’m 59, single for eons, I bought my first house when I was 25, my second when I 30. Its a very bog standard Victorian terrace which suits me fine. I’ll be carried out in my box.

Not everyone wants a @Fivebedexecutivehome but its not unreasonable to want to my own, very modest home.

Or should that be a privilige reserved for the married people, and single people shoved into grotty bedsits or house shares with no privacy or outside space.

Perhaps if the rental market was better regulated and affordable in this country more people would see renting as an option. A neighbour of mine pays £900 a month rent, more than my mortgage ever was.

CantHoldMeDown · 22/07/2024 11:22

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Opalfleur2026 · 22/07/2024 11:21

notbelieved · 22/07/2024 11:05

Oh, right. So single people shouldn't expect to be financially independent, property owners?

Not saying that.

Just saying that nuclear independent living is not the norm in the world, and certainly wasn't pre 1950s. We can have expectations but if the middle class is being eroded, not sure how we are supposed to maintain it.

HappierTimesAhead · 22/07/2024 11:20

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This has been withdrawn by MNHQ at the poster's request.

Indeed....

Emma likes the limelight I think
(and hasn't read up on flattering angles)

MyOtherCarisAVauxhallZafira · 22/07/2024 11:19

I bought my first flat on my own earning about £25k in 2010 in a frontline public sector job, couldn't do that now, the salary for that role has barely moved in 14 years for a start

teaandtoastwithmarmite · 22/07/2024 11:18

Everyone should be able to buy a home. You’re being ridiculous

CantHoldMeDown · 22/07/2024 11:18

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CantHoldMeDown · 22/07/2024 11:18

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CelesteCunningham · 22/07/2024 11:18

Imagine single people thinking they're, like, independent grown-ups. Madness.

Hmm
MondayYogurt · 22/07/2024 11:18

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Search the name + BBC on X to be enlightened.

HollaHolla · 22/07/2024 11:17

So, what about people like me. Long-term relationship split up in mid-40s. We weren't lucky enough to be successful in having kids. Am I really so low in society that I don't deserve secure housing? As it was, I was lucky enough to be able to buy out my partner from the flat we were in.
I earn £45k in central Scotland. I couldn't afford the 2-bed flat I really wanted in Edinburgh, so moved 20 miles out. It's fine. Worth it for me to have housing I'm not worried about being evicted from.

Gwenhwyfar · 22/07/2024 11:17

"Why is that woman moaning about not being able to buy a house? Most single people buy a flat as their first property."

I agree that a flat is good for a single person, but I also know that if you live in the countryside, there aren't many flats.

CantHoldMeDown · 22/07/2024 11:16

This reply has been withdrawn

This has been withdrawn by MNHQ at the poster's request.

HappierTimesAhead · 22/07/2024 11:16

Bodeganights · 22/07/2024 11:09

Why is the BBC gaslighting us?
And I bought as a single parent 30 years ago, I had to buy a cheap house true, but I still did it alone. And if it was now, I could not afford that house.which is sad. But there are plenty of cheap houses, may not be in areas you want to live, might need doing up, but they are around. Single people can buy them.

By the time I got to the end of the article I wondered if they were just trolling us

Crushed23 · 22/07/2024 11:15

I’ve never let being single get in the way of anything I have wanted to do in life.

I bought by myself a few years ago. Most of my friends who are homeowners also bought by themselves.

Edit: Just to add that this is in London, and in my case as well nearly all cases among my friends, there was no family help with deposit.