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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Am I greedy to buy this property?

158 replies

MuckFusk · 25/06/2025 22:36

I notice a lot of people on MN are down on owning vacation homes, and I get why that is, considering how short housing is and the population density in the UK. I'm in Canada (where it's very common to have a vacation home) and I just made an offer on a property which will be used probably four months out of the year. I felt it was a better option environmentally to travelling, as it is not far to drive to, so no plane travel needed. I plan to kit it out for sustainability just as I have my current home; high efficiency heat pump, insulation, etcetera. The major reason I bought it as a future income property for my disabled daughter, especially for when I am no longer living, but it will be a vacation home for awhile. I don't think I'm depriving anyone else of high demand home, because it's been sitting on the market for a month and is in an area with a glacially slow housing market right now.

However, I do wonder if I'm greedy to have more than one property when some people can't even afford one. So you can vote YABU if you think I shouldn't have it and YANBU if you think it's okay.
It might seem like a weird question, but I second guess myself a lot.

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DiscoBob · 27/06/2025 10:43

MuckFusk · 26/06/2025 19:45

That's been suggested and I will try to do that, though it won't be wanted in the winter. Nobody wants to be up in the boonies in winter unless they can ski. Winters are pretty miserable as I'm sure you can imagine.
I was going to offer it to a friend who was being evicted, but she found some people to share her rental.

I get that. But I think you should do what you can. I mean a children's charity might use it in winter for sick or underprivileged kids who's wish it was to see snow/learn to ski? Maybe that sounds weird... I've only been skiing once and I hated it so I'm no expert!

Either way it would be a nice gesture. It sounds like you're a kind person as you wouldn't be thinking this unless you realised you are so fortunate.

PopeJoan2 · 27/06/2025 10:15

The person who mentioned council house purchase is right. Margaret That her should have been imprisoned for selling off housing stock. Many of my friends from wealthy backgrounds bought cheap apartments in prime locations, depleting the housing stock. It should never have happened.

Op, what you are doing is very different. Go for it.

PyongyangKipperbang · 27/06/2025 02:52

MuckFusk · 27/06/2025 02:48

Update; my offer was accepted! I expected a counter, but nope. My daughter is so happy. We got a fantastic deal, over $30,000 under asking. Closing in a month, we're going to have blast in August going to all those nearby beaches. The colours of the leaves in fall will be spectacular in the forest there too. Hoping to have the family stay over for Labour Day weekend. 🥂 Thanks for your encouragement, YANBU folks.

Oh I am so thrilled for you both!! Congratulations!!

MuckFusk · 27/06/2025 02:48

Update; my offer was accepted! I expected a counter, but nope. My daughter is so happy. We got a fantastic deal, over $30,000 under asking. Closing in a month, we're going to have blast in August going to all those nearby beaches. The colours of the leaves in fall will be spectacular in the forest there too. Hoping to have the family stay over for Labour Day weekend. 🥂 Thanks for your encouragement, YANBU folks.

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MuckFusk · 26/06/2025 23:10

Jennps · 26/06/2025 22:50

This country has always had a sense of British exceptionalism. Probably because despite being European, we always had a distinctly different culture. In centuries gone by, this manifested in competition and a desire to grow and develop.

Unfortunately the exceptionalism is still there but the talent is not. People in this country have increasingly become lazy, bitter and wanting to live the high life without actually wanting out any graft in.

I have noticed that a seemingly disproportionate number of people on MN can be quite petty and do seem bitter, but I attributed it to the internet bringing out the worst in people. I have noticed it's worse here than a lot of other places though. People will bitch at you just for living on MN.

I can't help but see a parallel with the US. In my experience (25+ years experience of these kind of discussions) Americans are the worst when it comes to a feeling of exceptionalism. It's a silly idea to me that one country is exceptional and "the greatest country in the world" as the Americans say.

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Jennps · 26/06/2025 22:50

MuckFusk · 26/06/2025 20:39

That's an interesting perspective and I was hoping this might spark some discussion about that sort of thing. Can you elaborate on small island mentality? Really would like to get more of your POV on that.

This country has always had a sense of British exceptionalism. Probably because despite being European, we always had a distinctly different culture. In centuries gone by, this manifested in competition and a desire to grow and develop.

Unfortunately the exceptionalism is still there but the talent is not. People in this country have increasingly become lazy, bitter and wanting to live the high life without actually wanting out any graft in.

MuckFusk · 26/06/2025 21:09

limescale · 26/06/2025 20:45

I meant the info in my post was Google AI, I wasn’t implying you are AI!

My apologies.

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MuckFusk · 26/06/2025 21:08

ThisTicklishFatball · 26/06/2025 21:00

OP, you're still catching flak from a few posters, I see. Honestly, don't let it get to you. What you're witnessing here is just a charming slice of that quintessentially British cocktail — three parts jealousy, two parts moral posturing, shaken over a cube of hypocrisy and served with a passive-aggressive lemon twist.
We do love a good grumble in this country, especially when someone dares to plan ahead, show kindness, or — heaven forbid — use their own hard-earned money to support their own child. Shocking, I know. Next thing you’ll be telling us you bought her decent shoes too.
The idea that helping your daughter — a young person with special needs — is somehow “unfair” says far more about them than it does about you. It’s not about fairness, it’s about decency, compassion, and basic flipping humanity. You’re doing something wonderful. That rattles people who wouldn't lift a finger unless there was a Facebook post in it for them.
So carry on. You’ve got your head screwed on, your heart in the right place, and frankly, that’s more than I can say for some of the commentary floating around here.
Oh honestly. You’d think someone was proposing to buy a mansion made of gold bricks and unicorn tears the way some people carry on
This idea that supporting your own child is somehow "unfair" to others is absolutely bonkers. Life isn't a game of equal slices of cake.
People will always have opinions. But they don't have to walk in your shoes, raise your child, or live with the long-term worries you no doubt carry every single day. You are thinking ahead. You're trying to do right by your family. Anyone calling that wrong or immoral has either never been in your position or is projecting their own hang-ups.
So go ahead, do what you need to do — and know that some of us are absolutely cheering you on.

Are you sure you to buy in England instead of Canada where people, culture and education are better? 😎

Edited

That was an epic post! Lmao at your witty takedown of the naysayers. 🩷

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MuckFusk · 26/06/2025 21:04

So to sum up (and lampoon, in some cases) the gist of most of the responses;

YANBU-

-It's nobody else's business. Do what you like.

-It's a good thing for your daughter. Go for it.

-Maybe you could use it to lend to other families with disabled relatives.

-It's obviously a very different market there, so it's okay.

YABU-

-You're being selfish.

-Why are you posting about something you're doing in Canada on MN? I went to the trouble of opening this thread, all for nothing. Then I answered you, all for nothing. You're daft.

-Why on earth do you care what other people think? Why would somebody post on AIBU to ask what other people think? That's weird.

-You're just bragging. About the property you've said is not in a hot market and isn't anything fancy.

Have I summarized it correctly? 😉

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ThisTicklishFatball · 26/06/2025 21:00

OP, you're still catching flak from a few posters, I see. Honestly, don't let it get to you. What you're witnessing here is just a charming slice of that quintessentially British cocktail — three parts jealousy, two parts moral posturing, shaken over a cube of hypocrisy and served with a passive-aggressive lemon twist.
We do love a good grumble in this country, especially when someone dares to plan ahead, show kindness, or — heaven forbid — use their own hard-earned money to support their own child. Shocking, I know. Next thing you’ll be telling us you bought her decent shoes too.
The idea that helping your daughter — a young person with special needs — is somehow “unfair” says far more about them than it does about you. It’s not about fairness, it’s about decency, compassion, and basic flipping humanity. You’re doing something wonderful. That rattles people who wouldn't lift a finger unless there was a Facebook post in it for them.
So carry on. You’ve got your head screwed on, your heart in the right place, and frankly, that’s more than I can say for some of the commentary floating around here.
Oh honestly. You’d think someone was proposing to buy a mansion made of gold bricks and unicorn tears the way some people carry on
This idea that supporting your own child is somehow "unfair" to others is absolutely bonkers. Life isn't a game of equal slices of cake.
People will always have opinions. But they don't have to walk in your shoes, raise your child, or live with the long-term worries you no doubt carry every single day. You are thinking ahead. You're trying to do right by your family. Anyone calling that wrong or immoral has either never been in your position or is projecting their own hang-ups.
So go ahead, do what you need to do — and know that some of us are absolutely cheering you on.

Are you sure you to buy in England instead of Canada where people, culture and education are better? 😎

limescale · 26/06/2025 20:45

MuckFusk · 26/06/2025 19:53

I don't take heed to comments made in ignorance of the facts, which is why I specified it was Canada and that the market is different. It's not my responsibility if some people ignored that. Still, it has sparked some interesting conversation about the housing shortage in the UK, which I like.

By my many replies to people you will be able to tell I'm not AI.

I meant the info in my post was Google AI, I wasn’t implying you are AI!

MuckFusk · 26/06/2025 20:45

Mumofteenandtween · 26/06/2025 20:42

I think the closest way I can see it is to think about things I do with water that is completely safe to drink:-

Drink it
Shower in it
Water my garden with it
Shit in it!

For the simple reason that I only have access to water that is completely safe to drink. To me there is basically an endless supply of completely safe water and that is normal to me.

But for many countries safe water is a rarity. They would never use it to flush a toilet. They are barely able to get enough of it to drink.

Good analogy. Potable water is something we certainly aren't short of here either. It's a privilege to be so blessed with natural resources.

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Mumofteenandtween · 26/06/2025 20:42

MuckFusk · 26/06/2025 20:15

Indeed. It's hard to clearly picture it, though I can imagine high population density in the abstract.

I think the closest way I can see it is to think about things I do with water that is completely safe to drink:-

Drink it
Shower in it
Water my garden with it
Shit in it!

For the simple reason that I only have access to water that is completely safe to drink. To me there is basically an endless supply of completely safe water and that is normal to me.

But for many countries safe water is a rarity. They would never use it to flush a toilet. They are barely able to get enough of it to drink.

MuckFusk · 26/06/2025 20:40

MrsTerryPratchett · 26/06/2025 20:34

What’s the rental vacancy rate in the village? More than 12%, fill your boots. Less than 5%, it’s not as fine as you’d think. CMHC can tell you. There’s a handy map.

Great idea. Will look at that.

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MuckFusk · 26/06/2025 20:39

Jennps · 26/06/2025 05:55

Ignore the people who think like this. They are crabs in a bucket, who want to pull everyone else down rather than focus on fixing why they may be experiencing a problem.

It’s a prevalent cultural attitude in this country, why is why it is in terminal decline. Small island mentality.

That's an interesting perspective and I was hoping this might spark some discussion about that sort of thing. Can you elaborate on small island mentality? Really would like to get more of your POV on that.

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MuckFusk · 26/06/2025 20:35

Jigaliga · 26/06/2025 05:51

If its not an investment property as you go to great lengths to reassure us, then why do you even bother mentioning your daughter?

What do you mean? It's both an investment and a vacation property. It's not a binary choice.
Great lengths? Okay, whatever.

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MrsTerryPratchett · 26/06/2025 20:34

What’s the rental vacancy rate in the village? More than 12%, fill your boots. Less than 5%, it’s not as fine as you’d think. CMHC can tell you. There’s a handy map.

MuckFusk · 26/06/2025 20:31

Fargo79 · 26/06/2025 07:58

The major reason I bought it as a future income property for my disabled daughter, especially for when I am no longer living

I absolutely wouldn't give the tiniest shit about anyone's opinion on the matter unless they are also in the position of knowing they will die while their child still needs care.

Until we all love in societies where we can be assured that our disabled children will receive all the care and support they need for the rest of their lives, parents will do whatever they can to ensure their children are taken care of after they are gone.

People who don't like it can direct their anger towards the governments and citizens who don't want to provide adequate care and support for the disabled, and towards successive governments who have upheld this system of housing and greedy landlords who own 10s, 100s or even 1000s of properties.

Excellent points. It's easier to scold somebody on the Internet than to actually do something productive about these problems.

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MuckFusk · 26/06/2025 20:29

SirRaymondClench · 26/06/2025 07:57

If you can afford it OP go for it.

Some people on here will only be happy if you're walking around in your hair shirt slapping yourself across the head with a tin tray, when in reality if they could afford it they'd be doing it in a heartbeat.

I hope you have wonderful holidays with your DD ❤️

Edited

Thank you. Yeah, some of the posts do have that feel to them. Most have been lovely though.

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MuckFusk · 26/06/2025 20:28

kingcobra · 26/06/2025 07:56

I have a second home - a bungalow I inherited from my nan when she died. I rent it out to a lovely young couple.

I couldnt give a flying toss if anyone judges me for that. That bungalow rent paid a proportion for a great nursing home for my nan when she needed it. It's helped our family immensely and been a huge blessing. I dont care what anyone thinks about it, its my life, not theirs.

That's wonderful. I'm happy for you.

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MuckFusk · 26/06/2025 20:26

DoubleTimeStep · 26/06/2025 07:43

Are you genuinely worried about the morality of it op, or are you just wanting to show off your impending purchase? No judgement, I would be very excited too! And in this case it sounds like there is barely a moral case to answer so just enjoy it.

I have a guilt complex, which should answer that question. ;-)

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MuckFusk · 26/06/2025 20:25

mondaytosunday · 26/06/2025 08:04

Go for it. If there’s little or no demand for housing in the area then why not. It will be used more than many vacation homes. Are you planning on renting it out short term when not in use?

No, there's no market for renting it in the cold months if the year. There are no ski slopes close enough to make it desirable.

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MuckFusk · 26/06/2025 20:21

BringOle · 26/06/2025 07:35

I’m sure OP is asking on mumsnet AIBU because this kind of forum doesn’t exist in Canada, it’s just a chat to pass time and not serious research about housing shortage.

I voted YANBU FWIW OP, but if you’d have asked the same question about a holiday cottage in England my answer would have been different

Thank you. You are absolutely right.

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MuckFusk · 26/06/2025 20:20

SnoopDougyDoug · 26/06/2025 07:26

OP, why on earth are you asking this question on UK based site which is populated with people who (mostly) don't live in Canada or know anything about housing and second home ownership there? It's just a bit daft really. Why does it matter what a bunch of non-Canadians think? Crack on with your plans, sounds great. If you're worried about being selfish maybe ask a neighbourhood forum for the area you're planning to buy in.

There is no such site. I find the level of conversation here is a step above most places anyway. Sorry if it bothers you that I posted it here.

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MuckFusk · 26/06/2025 20:15

Mumofteenandtween · 26/06/2025 07:11

I’ve just googled and the population of the UK is nearly double that of Canada whilst the land mass is about one fortieth.

It is almost impossible for us to understand just how much space there is in Canada whilst it is equally hard for you to understand what it is like to live on an island with a huge housing shortage.

Indeed. It's hard to clearly picture it, though I can imagine high population density in the abstract.

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