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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think housing in this country is fundamentally broken?

432 replies

BrokenHousingLogic · 15/12/2025 15:25

Whether you rent privately, rent socially or own, it feels like the system isn’t really working for anyone.

• Rents are high and insecure
• Buying is out of reach for many
• Social housing is under strain
• Landlords and tenants feel pitted against each other
• Local authorities seem overwhelmed

It often feels like people are arguing with each other instead of addressing the fact that the whole structure is failing.

AIBU to think this goes beyond individual choices and points to a system-wide problem?

OP posts:
Thread gallery
5
OhDear111 · 19/12/2025 13:06

@FilterBubble Ah! The delights of China await!

FilterBubble · 19/12/2025 10:42

taxguru · 18/12/2025 15:35

I agree with all that. Far too much property is empty too long, whether holiday homes or empty whilst residents are in care homes or simply where owners are waiting for developers to buy. All the different reasons need a solution and owners need to be forced to sell/occupy.

You could say that most cars are empty and unused for what, like 99% of the time. So let's bring them all into public ownership. Most gardens remain unused. Most land isn't used for much! Heck my Bedroom is only used for about a 1/3 of the day, what a terrible waste! Heck some people are heating a house, when all they really need is to heat the living room. Yes, let's all steer towards some tremendous efficiencies, perhaps actually build a real example of a working mega-city with combined heat and power, full waste recycling, social canteens and entertainment hubs and get shuffled about by vacuum tube.

Yellowshirt · 18/12/2025 20:45

HappyNewTaxYear · 18/12/2025 11:49

Oh come on. 14 years of Tories got us here.

I think Labour have had enough time now to make changes and at least start making a difference.
Continuing to blame others for the next 3 years is only going to end one way. Reform and Farage

OhDear111 · 18/12/2025 17:53

I’m quite happy to sell my holiday home to Cornwall council. Will they give me market value for it? I don’t mind 10% under actually.

taxguru · 18/12/2025 15:36

HappyNewTaxYear · 18/12/2025 11:49

Oh come on. 14 years of Tories got us here.

And 13 years of Labour before them during which the housing crisis was worsened rather than improved.

taxguru · 18/12/2025 15:35

mugglewump · 16/12/2025 20:04

Britain is pretty much the only country in Europe that has an unregulated housing market. We need laws that:
Bring empty properties into social housing (including second homes if empty for more than 6 months a year).
Introduce rent controls (so if your little nest egg is no longer bringing in the bacon, sell)
Regulate AirBnBs
Convert or replace unused office space in to housing
Build new homes where there is demand.

I agree with all that. Far too much property is empty too long, whether holiday homes or empty whilst residents are in care homes or simply where owners are waiting for developers to buy. All the different reasons need a solution and owners need to be forced to sell/occupy.

FilterBubble · 18/12/2025 12:27

Bungalows may appear a waste of space, but you can at least do something interesting like sweeping terraced units, they afford privacy at least. And countryside could remain feeling spacious. We could try for some actual decent garden cities. It's not like the countryside around me is used well. I would like to see something more akin to decorative crescents, terraces, stylish mews, rather than boring large lifeless flats that age terribly in about 5 years.

HappyNewTaxYear · 18/12/2025 11:49

Yellowshirt · 15/12/2025 17:59

I'm divorced and single. I would be happy in a modern flat with a bit of outside space but due to lease hold fees and annual maintenance fees which adds upto £3000 per year on top of the flat I'll keep saving for a 3 bedroom house.
A 2 bedroom house is approximately £220000 and a 3 bedroom is approximately £260000. So even though the 3 bedroom will be massively to big for me it's still better value than the 2 bedroom.
The government could step in tomorrow and help with the housing crisis but no one with any common sense works in this Labour government.

Oh come on. 14 years of Tories got us here.

LGBirmingham · 18/12/2025 11:13

dynamiccactus · 15/12/2025 18:39

We need good quality housing built instead of the rubbish that is built on green field sites. Solar panels as standard, good insulation, quality windows, decent fittings. Not some Barratt built crap that won't be there in 100 years' time (I lived in one for a bit - it was nice new but I wouldn't like to see it in another couple of decades).

And we need to nudge people to sell or rent out their second homes. There's over a million second homes, even if only half those people put them back into residential use, that's a lot of new homes.

And we need better quality housing for single people - not retirement flats, in fact not flats at all. More bungalows and stop people turning bungalow into houses. Also have limits on development so a 2 bed house doesn't turn into a 5 bed house nobody can afford. Move house instead if you want the extra space. 2 to 3 is fine, or 3-4. Or add a study, that sort of thing. But not a fundamental rebuild unless it's some grotty ramshackle place in the countryside which you only want for the plot anyway.

You're not wrong. We don't build the housing typologies that people want to live in. But think about what would happen to cities and our countryside if we built enough bungalows to house all the baby boomers. They're incredibly inefficient for space.

OhDear111 · 18/12/2025 07:36

@onpills4godsake Do you realise how much this costs? Often the buildings are in less desirable areas and cost exceeds sale prices that are likely to be realised. If there was money in it, of course repurposing would happen. They aren’t because the costs are very high and cleaning up possible pollution is difficult and expensive. Its not an easy solution,

Seymour5 · 18/12/2025 06:55

Next door on both sides we have new neighbours. Solid 3 bedroomed, 1930s semis, in a Northern city, popular area. Young couples with no children, both working, have bought them. £250-280k. Second purchase for both, they previously owned smaller properties.

onpills4godsake · 17/12/2025 19:57

I don’t think we need to build at all- we need to renovate and repurpose all the empty buildings - so may large buildings in disrepair

i loved the £1 house initiative in Liverpool.

OhDear111 · 17/12/2025 19:46

@billysboy Where is it 9 x one income? Maybe for a teacher in London but in my local town it’s not. We are SE. Go further north and it’s definitely not 9x for a 2 bed.

We bought 47 years ago. Small 3 bed semi - 3 x DH and 1 x my salary. He could have afforded a 2 bed on his own but not a 3 bed. He was a qualified engineer. We were a couple so got more because of my income. Interest rate - 15%. It was way easier than now but we would still be able to get a 2 bed. So it’s not that people cannot buy, they just don’t get what they might like. Many in London have that issue.

billysboy · 17/12/2025 18:13

back in the eighties and early nineties it was 3x income to buy a house plus deposit
it is now 9 x income
people’s wages have been eroded away with inflation
Angela Rayners ambition and statement to build 1.5 million homes in this parliament was never achievable without a huge change
affordable housing is at 80% of market value so not necessarily affordable to most that live in high value areas to start , it is not the same as traditional council housing

OhDear111 · 17/12/2025 13:16

@xSideshowAuntSallyXx No one has a right to buy a home. No one. I take the pragmatic view that buying as a couple (or two single people!) makes financial sense. There’s affordable housing in some areas and not in others and for many reasons being a single person in the housing market is expensive.

House prices have gone up due to shortages of houses. It’s fairly basic economics. People want to own homes and it pushes up prices due to lack of places to buy.

Balletpoint · 17/12/2025 10:41

xSideshowAuntSallyXx · 17/12/2025 10:37

You're missing the point entirely and keep going on about single people not having the same rights. Everyone should have the same rights to a home. A single person shouldn't have to spend their life in a bedsit or hmo just because for whatever reason they're single.

When my parents house, bought in 1994, was affordable on one salary but is now out of reach to anyone who isn't a couple both on a 6 figure salary it's gone up that much, the housing market is completely fucked.

Single occupiers should receive 50% council tax reduction.

xSideshowAuntSallyXx · 17/12/2025 10:37

OhDear111 · 17/12/2025 08:34

@xSideshowAuntSallyXx I’m afraid you don’t have a right to buy anything. I never said single people were a underclass but they are economically disadvantaged when it comes to buying somewhere. It’s blindingly obvious a couple is better! Many singles have struggled for decades and most we know have had help from families. You don’t have a right to the same salary as two people or to buy anything.

You're missing the point entirely and keep going on about single people not having the same rights. Everyone should have the same rights to a home. A single person shouldn't have to spend their life in a bedsit or hmo just because for whatever reason they're single.

When my parents house, bought in 1994, was affordable on one salary but is now out of reach to anyone who isn't a couple both on a 6 figure salary it's gone up that much, the housing market is completely fucked.

Sharptonguedwoman · 17/12/2025 09:19

Octavia64 · 15/12/2025 15:30

Yes.

we need to build more.

Fundamental change first, before more building. Brownfield site development first and changing/adapting building use instead of urban sprawl.
Change in laws about property bought for investment that stands empty. Ditto second homes.

curiositykilledthiscat · 17/12/2025 09:10

@OhDear111 You are missing the point that it is almost impossible for a single person to buy a house these days but years ago it was easier. The house I mentioned last night sold for £60k twenty years ago, a price someone on an average salary back then (£24k roughly) could comfortably buy.

OhDear111 · 17/12/2025 08:34

@xSideshowAuntSallyXx I’m afraid you don’t have a right to buy anything. I never said single people were a underclass but they are economically disadvantaged when it comes to buying somewhere. It’s blindingly obvious a couple is better! Many singles have struggled for decades and most we know have had help from families. You don’t have a right to the same salary as two people or to buy anything.

xmasstress12 · 17/12/2025 08:25

People ignore the fact salaries have stagnated for years, the high cost of the first rung & the age of FTB. This all makes the idea of climbing the property ladder now redundant for many.

xSideshowAuntSallyXx · 17/12/2025 07:50

OhDear111 · 16/12/2025 22:50

@curiositykilledthiscat Two nurses could or two teachers. It’s a case of getting a deposit together but that’s not an out of reach price. We need to realise it was mostly couples who bought years ago and singles nearly always had parental help even 47 years ago when we bought. Many have always had to big in less desirable areas. As you progress through your career, and the average salary of teachers is nearly £50,000 you get something better but partners are needed.

But single people aren't an underclass of society,we have as much right as a couple to want to own our own home. In my 20s I could buy a house on my own, with a 100% mortgage and 5 times my salary, and not even shared ownership. Salaries haven't gone up at the same rate as house prices.

I got on the property ladder in 2009 and my original flat went on the market recently for 90k more than we paid. You can guarantee salaries haven't gone up at the same rate.

Also decades ago divorce was frowned upon too, people stayed in unhappy marriages, people stayed in abusive marriages. If we carry on restricting owning and even renting to those on high salaries or couples through the ridiculous prices we just make people stay together when they really shouldn't.

FalseSpring · 17/12/2025 04:59

AlaskaThunderfuckHiiiiiiiii · 16/12/2025 07:55

Yes they’ve stopped right to buy in Scotland but the HA aren’t maintaining their older proprieties at all they are so focussed on building new ones (which is great) but those of us in older properties are dealing with poor windows, kitchens and bathrooms that are falling to bits (doors come off in my hands), crumbling plaster work, fencing that has blown down but the won’t take responsibility for it, large areas of missing rough cast etc it’s such a fight to get them to repair anything and if they can fob it on to the tenant they will and I get there is an element of self care which can be done by us and we do what we can within our skills but much of my above list really isn’t our responsibility as tenants And all we are told is there is no money

they should be forced to maintain their older properties or sell them

Why don't you put your own fence back up?

Maybe we should move to a more continental model and let council properties on secure tenant repairing leases (excluding major structural issues).In rental properties in Europe, tenants replace their own kitchens and bathrooms etc and fully decorate knowing they have security of tenure. If you don't look after your property to a reasonable standard, you are evicted (and not offered an alternative). It would save the council millions of pounds and make tenants more responsible for their own housing.

OhDear111 · 16/12/2025 22:50

@curiositykilledthiscat Two nurses could or two teachers. It’s a case of getting a deposit together but that’s not an out of reach price. We need to realise it was mostly couples who bought years ago and singles nearly always had parental help even 47 years ago when we bought. Many have always had to big in less desirable areas. As you progress through your career, and the average salary of teachers is nearly £50,000 you get something better but partners are needed.

Talkinpeace · 16/12/2025 22:36

@curiositykilledthiscat
We have.
Its called the lack of a property floor
directly atrributable to right to buy and the destruction of social housing.

If people can move from affordable rented home
to affordable rented home
there is no house price inflation

the private selling market is a ponzi scheme driven by
percentage commissions on all valuation services

but the lack of a floor allows it to happen