Please or to access all these features

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
XenoBitch · 27/12/2025 00:13

tiredofchristmas · 27/12/2025 00:02

It’s not that at all, but subsidising people so that they can afford to live in ‘naice’ areas is a poor policy as it costs more (wasteful use of the states resources) and it’s unfair on those who work hard, earn good salaries, pay taxes and yet cannot afford to live in these areas. It disincentivises people from applying themselves, their skill set and their resources to do the best they can for themselves. If you can’t see that this is a HUGE issue in the UK you probably are unaware of the talented young professionals leaving this country in their droves - for just this reason.

There was a documentary out years ago about a lady who had lived in her leafy suburban "naice" street for years, but didn't really know the other people living there.
She interviewed the people that lived in her street. Most were middle class families and older people... all a bit posh. There was an elderly gent who lived alone. And one house was converted into flats, and she met a young man who lived in one who didn't work and was on benefits (so probably on a hefty amount of housing benefit). He invited her in and ordered pizza for them. Such a friendly young man.
According to you, he should not be living there, and should be living in a street full of other unemployed people.
He did not work as he had Tourettes. She visited him a few times, and they struck up a friendship.
By the time she had finished filming and wrapped up, she found out he had killed himself.

I can't remember the name of it, but it was interesting and also really sad.

CraftyGin · 27/12/2025 00:07

If we didn't have an explosion of households headed by solo adults, there would be plenty of housing.

JenniferBooth · 27/12/2025 00:04

tiredofchristmas · 26/12/2025 23:47

There’s lots of people who think the government should keep them living in a certain area, just because they’ve always lived there, when there could be FAR cheaper places that they could be housed. If you’re living off the state you shouldn’t get a choice where you live.

Yeah but then ppl moan when family members read women arent available on tap to care for elderly relatives

tiredofchristmas · 27/12/2025 00:02

XenoBitch · 26/12/2025 23:48

Nah, you just don't like poor people living near you. Own it.

It’s not that at all, but subsidising people so that they can afford to live in ‘naice’ areas is a poor policy as it costs more (wasteful use of the states resources) and it’s unfair on those who work hard, earn good salaries, pay taxes and yet cannot afford to live in these areas. It disincentivises people from applying themselves, their skill set and their resources to do the best they can for themselves. If you can’t see that this is a HUGE issue in the UK you probably are unaware of the talented young professionals leaving this country in their droves - for just this reason.

Seymour5 · 26/12/2025 23:55

tiredofchristmas · 26/12/2025 23:39

Housing in the UK is like a giant game of musical chairs. There isn’t enough housing for everyone. People are going to be living in B&Bs etc as the governments aren’t interested in building more housing. It’s a tragedy. But pouring money into deprived people so they can continue living in e.g. Fulham instead of a less expensive area helps no one.

There are older people trapped in family houses, that they own, in less expensive areas. If they sell, their homes won’t raise enough to buy a retirement flat, or their income isn’t enough to support the monthly service charges. They're also very unlikely to qualify for social housing.

Some sensible thinking is needed to future plan for an aging society. If they could rent, theIr capital would support their rent and care costs without resorting to benefits, a saving for the taxpayer.

Yellowshirt · 26/12/2025 23:51

You don't think the 9 million people already out of work can possibly go out and do some of them jobs?
Right to buy helped my parents. They bought a house for £19000. Plenty of houses have been built but the country is full.
What hasn't worked is mass immigration. It has to stop. What is the government waiting for? An absolute disaster where people are dying because hospitals can no longer cope.
It's shear incompetence. I'm paying taxes every single month and getting zero back.
Give tax payers a vote as to whether the borders should be closed.

XenoBitch · 26/12/2025 23:48

tiredofchristmas · 26/12/2025 23:47

There’s lots of people who think the government should keep them living in a certain area, just because they’ve always lived there, when there could be FAR cheaper places that they could be housed. If you’re living off the state you shouldn’t get a choice where you live.

Nah, you just don't like poor people living near you. Own it.

tiredofchristmas · 26/12/2025 23:47

XenoBitch · 26/12/2025 23:45

So why are you banging on about them having to move away to save money on HB?

There’s lots of people who think the government should keep them living in a certain area, just because they’ve always lived there, when there could be FAR cheaper places that they could be housed. If you’re living off the state you shouldn’t get a choice where you live.

XenoBitch · 26/12/2025 23:45

tiredofchristmas · 26/12/2025 23:36

Guess what, within 5 minutes walk I have the lowest 10% of social deprivation housing. I live in the top 10%. Many, many cities are like this. Such a bizarre argument. Birmingham, Sheffield, Manchester, Bristol, Leeds, Newcastle, Glasgow, Edinburgh. Open your eyes.

So why are you banging on about them having to move away to save money on HB?

JenniferBooth · 26/12/2025 23:41

tiredofchristmas · 26/12/2025 23:40

I don’t know what you are on about.

Course you dont 🙄

tiredofchristmas · 26/12/2025 23:40

JenniferBooth · 26/12/2025 23:38

I bet you were one of the ones spouting how we are all in this together during Covid

I don’t know what you are on about.

MeouwKing · 26/12/2025 23:39

XenoBitch · 26/12/2025 23:37

There is not 9 million job vacancies. There is not even a million.

So surely, that's the end of mass immigration?

tiredofchristmas · 26/12/2025 23:39

Housing in the UK is like a giant game of musical chairs. There isn’t enough housing for everyone. People are going to be living in B&Bs etc as the governments aren’t interested in building more housing. It’s a tragedy. But pouring money into deprived people so they can continue living in e.g. Fulham instead of a less expensive area helps no one.

JenniferBooth · 26/12/2025 23:38

tiredofchristmas · 26/12/2025 23:33

I have lived in many different parts of the uk (in order to further my career, ironically enough) and I’ve not lived anywhere yet where there has been an exclusively middle class area with no deprived areas near by. In fact there’s the very poorest of the poor living closer to my kids school than I do. Even in London TAs must be able to get a tube train in from a cheaper area. This is not an issue at all.

I bet you were one of the ones spouting how we are all in this together during Covid

XenoBitch · 26/12/2025 23:37

Yellowshirt · 26/12/2025 23:36

You don't think the 9 million people already out of work can possibly go out and do some of them jobs?
Right to buy helped my parents. They bought a house for £19000. Plenty of houses have been built but the country is full.
What hasn't worked is mass immigration. It has to stop. What is the government waiting for? An absolute disaster where people are dying because hospitals can no longer cope.
It's shear incompetence. I'm paying taxes every single month and getting zero back

There is not 9 million job vacancies. There is not even a million.

tiredofchristmas · 26/12/2025 23:36

XenoBitch · 26/12/2025 23:22

Do you not like unemployed people living near you? Or low paid people? Who do vital jobs in places where housing costs more.

Guess what, within 5 minutes walk I have the lowest 10% of social deprivation housing. I live in the top 10%. Many, many cities are like this. Such a bizarre argument. Birmingham, Sheffield, Manchester, Bristol, Leeds, Newcastle, Glasgow, Edinburgh. Open your eyes.

Yellowshirt · 26/12/2025 23:36

Alexandra2001 · 26/12/2025 19:06

Do you know how either council or social housing works?

Basically, a private developer builds a house, a council or housing association has commissioned or buys that house and rents it out.... where does the upfront money come from?

In the main from taxation.

Who wants lower taxes? and who wants housing built somewhere miles from where they live?

The Tories had 14 years to fix, yet didn't so presumably you think they had no one with any common sense either....

Stopping Right to buy, creates no new housing and Labour have already said that any council house sold, must be replaced by another.

Stopping immigration.... so no students, no carers, no slaughter house workers or construction ?

Edited

You don't think the 9 million people already out of work can possibly go out and do some of them jobs?
Right to buy helped my parents. They bought a house for £19000. Plenty of houses have been built but the country is full.
What hasn't worked is mass immigration. It has to stop. What is the government waiting for? An absolute disaster where people are dying because hospitals can no longer cope.
It's shear incompetence. I'm paying taxes every single month and getting zero back

tiredofchristmas · 26/12/2025 23:33

Alexandra2001 · 26/12/2025 23:24

Oh so wealthier areas don't need TA's? Supermarket staff? Healthcare assistants? Carers? etc etc... maybe we could pay a bit extra to bus them in from the northern regions? or perhaps a tent city?

I have lived in many different parts of the uk (in order to further my career, ironically enough) and I’ve not lived anywhere yet where there has been an exclusively middle class area with no deprived areas near by. In fact there’s the very poorest of the poor living closer to my kids school than I do. Even in London TAs must be able to get a tube train in from a cheaper area. This is not an issue at all.

YouHaveAnArse · 26/12/2025 23:25

Balletpoint · 26/12/2025 21:13

I am referring to the young at the beginning of their career. If someone makes unwise choices in life, career or marriage it is tough but it shouldn't be something the tax payer needs to sort out.

Many on mumsnet need to learn the importance of personal responsibility and take pride in their life and own their decisions.

But there are now people living in houseshares/renting into their 30s and 40s, or doing so again post relationship breakdown/divorce.

You also don't seem to realise what this means for the people already living in these areas who will now be seeing prices going up and available housing stock dwindling.

An experiment for you: look up the current price of the first home you owned, and then adjust the salary you were on when you bought it for inflation. Could you afford to buy it now? How about renting it?

Alexandra2001 · 26/12/2025 23:24

tiredofchristmas · 26/12/2025 23:19

Why should we pay for them to be in more expensive areas? Yet to hear a good reason for this.

Oh so wealthier areas don't need TA's? Supermarket staff? Healthcare assistants? Carers? etc etc... maybe we could pay a bit extra to bus them in from the northern regions? or perhaps a tent city?

XenoBitch · 26/12/2025 23:22

tiredofchristmas · 26/12/2025 23:19

Why should we pay for them to be in more expensive areas? Yet to hear a good reason for this.

Do you not like unemployed people living near you? Or low paid people? Who do vital jobs in places where housing costs more.

MistressoftheDarkSide · 26/12/2025 23:21

tiredofchristmas · 26/12/2025 23:05

And that’s shit but you live with the consequences. You sing expect the state to pay to keep you in a nice area when you could live somewhere cheaper.

I live in the cheapest area thanks. I spend more time than I care to admit phoning 999 because my addict upstairs neighbours try to kill each other on the regular. I live with consequences of circumstances beyond my control 24 /7 thanks, and have doors slammed in my face on the regular when I try to escape state dependency. Lookinh forward to when assisted dying comes in and they extend it Canada style for the poor and depressed.

That will make you happy I'm sure.

Alexandra2001 · 26/12/2025 23:21

tiredofchristmas · 26/12/2025 22:43

Why did they not make provisions for this possibility? Life insurance? Sickness insurance? That’s what responsible people do. It’s like not insuring your house then bleating about being financially ruined when it burns to the ground. Responsibility for your own actions.

You really do have no clue do you?

These types of insurances cost a fortune, esp as you get older.

Talk about M/C wealthy privilege.

XenoBitch · 26/12/2025 23:20

JenniferBooth · 26/12/2025 23:17

Ok then lets pay care workers more so that they can afford to pay for these policies The care home fees for your elderly relative will go up but responsibilities right?

I know someone who had some sort of sickness insurance. She ended up sick, so is claiming it. It is a percentage of her previous salary. She was on £70k, so she can still afford to have a decent standard of living from it.
I do not know anyone on NMW that has that sort of insurance. If they need UC top ups now, they will need even more if they get insurance pay outs (if that is even possible). Utterly pointless.

tiredofchristmas · 26/12/2025 23:19

XenoBitch · 26/12/2025 23:10

Yes, move all the poor people to shit cheaper ghettos areas. We don't want them bringing the value of your house down, do we 🙄

Why should we pay for them to be in more expensive areas? Yet to hear a good reason for this.