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Council houses owning brand new cars?

736 replies

TheCluelessMum · 06/05/2025 20:52

I’m writing this post with the hopes of being educated, not slandered

however I completely appreciate I may be just completely shot down for asking this.

i live on a new build estate, 12 houses at the start of the estate are council houses. I don’t know this because I’m a snob, I know this because it’s clearly marked on plans when you buy those houses.

i see so much stuff online about how the UK benefits system is failing people, the higher rise of food banks. It’s absolutely abhorrent people are in this situation.

however, when entering my estate today I noticed that each and every single council house had a car newer that a 20 plate. Mercedes, Audi’s, BMW’s even range rovers.. there was not a single house out of the 12 which had an older than 20 plate car.

I am now confused as to why this is the case? Everyone I know (including those receiving benefits) continually speaks about how hard the cost of living is.

so could someone please answer how/why those in what we would presume lower income families, are able to afford such lavish cars.

OP posts:
HamptonPlace · 07/05/2025 18:27

CalleOcho · 07/05/2025 17:54

Well, you would only Google if you were interested about a certain topic/scenario or wanted/needed further information. Which the OP was.

You can either do research on things or stay blissfully ignorant.

OP was no querying the difference, OP was asking about dissonance between subsidised housing and renting extravagant cars. Or am I missing something?

HamptonPlace · 07/05/2025 18:25

5128gap · 07/05/2025 17:48

In what ways do you significantly disadvantage yourself to help families who need a home? Or is this altruism only expected from social housing tenants?

From each according to their ability, to each according to their need (n.b. Not a Marxist). There are relative degrees of need, no?

Coconutter24 · 07/05/2025 18:16

HamptonPlace · 07/05/2025 17:59

Selfishly, yes. Bit it's morally disgusting to deny the truly needy of a home...

So we give people council houses then if they earn a good living throw them out and bring in someone poorer?
The homeless are the most needy and would always be a priority with housing… so why are they still on the streets? Believe it or not a lot of them do actually choose that life as sad as that sounds

Digdongdoo · 07/05/2025 18:15

HamptonPlace · 07/05/2025 17:52

does the calculation of disposable income factor in the excessive amount people pay for luxury cars?

Why not? I could afford a luxury car were my mortgage reduced to the social rent of the identical houses on my road. Easy to see how truly affordable rent, minimal maintenance costs and career progression could give someone a lot of disposable income.
Whether or not it should is another question....

vodkaredbullgirl · 07/05/2025 18:04

Bring back the work houses 🙄

HamptonPlace · 07/05/2025 17:59

Coconutter24 · 07/05/2025 17:46

But if that family work hard and can afford a nice car why should they give that up?

Selfishly, yes. Bit it's morally disgusting to deny the truly needy of a home...

HamptonPlace · 07/05/2025 17:56

twilightermummy · 07/05/2025 17:35

I've only ever been able to buy 08 plates outright and they're unreliable. Last one got scrapped. So if somebody decided to get something more modern (11 years isn't that old for a second-hand car btw, you're not slumming it) then I completely get it.

never owned 'outright' till paid off current (11yo) car on 4y financing..

HamptonPlace · 07/05/2025 17:55

Puzzledandpissedoff · 07/05/2025 17:34

Interestingly though, folk are quick enough to see this "selfishness" in private landlords, insisting that they're hogging homes which more needy families could otherwise buy

Strange that this isn't then applied to their own situation, but there you go

people paying for their own home, fully, means they aren't denying public resources for the needy. Should the councils spent all their money on subsidising everyone, leaving no money for schools etc? 😯

CalleOcho · 07/05/2025 17:54

HamptonPlace · 07/05/2025 17:45

i didn't know either 'til now. If you think two words/phrases are synonymous, why would you google them?

Well, you would only Google if you were interested about a certain topic/scenario or wanted/needed further information. Which the OP was.

You can either do research on things or stay blissfully ignorant.

HamptonPlace · 07/05/2025 17:52

Digdongdoo · 06/05/2025 21:41

There was a thread on this recently...
Affordable rent = disposable income. It's not rocket science.

does the calculation of disposable income factor in the excessive amount people pay for luxury cars?

HamptonPlace · 07/05/2025 17:48

Flamingopingo · 06/05/2025 21:31

Paying outright for a second hand car might be a cost they can't afford. It's a chunk of money and not everybody has the means to save. Getting a new car with weekly/monthly payments may better suit their budget. Also you're less likely to have the big maintenance costs of an older car.

but why a BMW, not, say, a Volkswagen Golf (still quite a price car compared to others) ...

5128gap · 07/05/2025 17:48

HamptonPlace · 07/05/2025 17:16

aren't you then taking a home away from a less well off family that needs it more? Per your self-description, sounds like you could afford paying normal rent, or having a mortgage?

In what ways do you significantly disadvantage yourself to help families who need a home? Or is this altruism only expected from social housing tenants?

Coconutter24 · 07/05/2025 17:46

HamptonPlace · 07/05/2025 17:40

the latter(ish) yes, lose their subsidy to some more needy family. Maybe have a normal car rather than paying £600 a month (?) for a BMW?

But if that family work hard and can afford a nice car why should they give that up?

HamptonPlace · 07/05/2025 17:45

CalleOcho · 06/05/2025 21:29

You do realise that you could get all this information straight off Google?

Are you genuinely for real?

i didn't know either 'til now. If you think two words/phrases are synonymous, why would you google them?

HamptonPlace · 07/05/2025 17:40

Coconutter24 · 06/05/2025 21:16

What do you suggest, make someone else homeless or push a family into poverty to help the homeless?

the latter(ish) yes, lose their subsidy to some more needy family. Maybe have a normal car rather than paying £600 a month (?) for a BMW?

HamptonPlace · 07/05/2025 17:38

Jabberwok · 06/05/2025 21:24

I love that some people are so bigoted. People who live in council houses owning cars...whatever next.

Some history. Council houses were built in great numbers between and after the war to house people previously living in slum (privately rented) accommodation. Huge tracks of inner city slums were clearer and later in the 60s/70s replaced by tower blocks and concrete. The earlier housing was built on the edge of towns and cities, often away from areas of employment!! Either were not great in hindsight.

However, people lived in them and built communities. In the 1980s, to encourage home ownership and the boost to the economy that brings the Tory government introduced right to buy, so that people in council houses could buy below market value. The money raised was supposed to be spent on more council houses. But councils had other more pressing things to spend the money on, so they didn't build. Hence the shortage of council houses today. And the requirement to be in need to get one.

However, I know lots of people who live in what is now called social housing. Some truly are struggling financially. Some are middling and I know of at least 2 millionaires who live in them because they value the security of secured tenancy and also the fact these are their family homes.

With new cars, the mobility scheme provides the opportunity to give up a benefit in return for a new car which is insured and serviced as part of the scheme.

So there you have it mansplained to an inch of its life for those of you who do not wish to mingle with the great unwashed of the working class

is the point not that people in council houses shouldn't have cars. But why do they need to waste the income they have saved by having their houses subsidised need a new Range Rover?

twilightermummy · 07/05/2025 17:35

HamptonPlace · 07/05/2025 17:18

"reliable" 😂. Almost all modern cars are 'reliable'. doesn't need to be a new luxury car.. We have a 11 yo Honda CRV, drives like a dream, but 8 years ago for 8k...

I've only ever been able to buy 08 plates outright and they're unreliable. Last one got scrapped. So if somebody decided to get something more modern (11 years isn't that old for a second-hand car btw, you're not slumming it) then I completely get it.

Puzzledandpissedoff · 07/05/2025 17:34

HamptonPlace · 07/05/2025 17:25

This is the point. Using council resources, denying them to people who really need help, to pay for a luxury car. I can't understand why some can't see how selfish and immoral that is. Shame on them.

Interestingly though, folk are quick enough to see this "selfishness" in private landlords, insisting that they're hogging homes which more needy families could otherwise buy

Strange that this isn't then applied to their own situation, but there you go

uncomfortablydumb60 · 07/05/2025 17:33

FFS.. some very bitter posters begrudging Council house tenants now!!
My DS1 has been a tenant since the age of 16( yes really!) He’s now 31, and earning well( not a fortune) and still lives there
He pays full rent, which is not as cheap as some posters believe.
i have CP and SMI and own outright since my divorce.
People Who live in glass houses and all that eh

HamptonPlace · 07/05/2025 17:29

dollyblue01 · 06/05/2025 21:08

Because people who rent from the council or HA work as well surprisingly enough and as the rents are low, can probably afford a nicer car, don’t know if there’s a cut off for people’s income who apply to rent from them or anyone can ? Or they may have mobility , but can’t be the case for all of them surely ?

affording a nicer car is justification for depriving a needy family of a home? Just think that over again...

HamptonPlace · 07/05/2025 17:27

ToKittyornottoKitty · 06/05/2025 21:04

What ‘culture’ exactly?

reverse snobbery?

HamptonPlace · 07/05/2025 17:25

VeterinaryCareAssistant · 06/05/2025 21:02

My partner and I live in a council house. It's £550 a month and we both work full time and pay tax.

Council houses are much cheaper than private rents so people can save for new cars etc.

This is the point. Using council resources, denying them to people who really need help, to pay for a luxury car. I can't understand why some can't see how selfish and immoral that is. Shame on them.

HamptonPlace · 07/05/2025 17:22

ScaryM0nster · 06/05/2025 20:59

Yes.

Generally you need to have some kind of ‘need’ to initially get into the council house system, but once you’re in it you can stay until
you choose to leave.

There’s also the odd bit with cars. You don’t need much, if any, up front funds to get a car on a credit arrangement. Whereas to buy a second hand one outright you do. So if you don’t have cash savings, new on a finance deal can be more accessible than second hand.

But you don't really. You can get 2nd hand cars on finance too with no upfront. really common. Also, why get something so unnecessarily 'fancy' if you are (or were) not well off enough to buy or rent a private property like normal people do? And deny some needy family of a home?

HamptonPlace · 07/05/2025 17:18

twilightermummy · 06/05/2025 20:59

It will probably be a mix of Motability and regular hard working families who have prioritised a reliable car over other things.

"reliable" 😂. Almost all modern cars are 'reliable'. doesn't need to be a new luxury car.. We have a 11 yo Honda CRV, drives like a dream, but 8 years ago for 8k...

HamptonPlace · 07/05/2025 17:16

YourElatedLimeShark · 06/05/2025 20:58

I live in a council house. And I work so hard on my own business. My kids have brand new iPhones. I have a gorgeous 67 plate fancy car and have another vehicle too. We eat amazing food. Eat out often. Have nice clothes. Designer sunglasses. I vape. I don’t drink. I go the gym and have a PT. My kids go to multiple clubs almost every day of the week. I have a 65 inch TV on my wall. I have well cared for pets.

May be these guys are the same? Not everyone in a council house is poor etc. many work. And work bloody hard.

aren't you then taking a home away from a less well off family that needs it more? Per your self-description, sounds like you could afford paying normal rent, or having a mortgage?