AIBU to ask tenants to move before or after new baby?

46
No
Saved £60,000 alone whilst raising 4 children due to divorce - having spunked £50,000 on legal fees fighting to keep them.
First house was a three bed, needed - still dont have a 5 bed but we’ll get there
Warwickshire

Rather than professional poor you come across as the meme about Conservative middle class people telling millenials they'd be able to afford buying a house if they stopped eating avocado toast 😬

I know you think you have the right answer, but your answer to very real current issues is "oh if they had been taught at school to buy a house wouldn't be in this situation". It's just silly.

you are being so simplistic.

it sometimes feels like no one on Mumsnet lives in the real world.

How old were you when you bought your first house? Did you have any help with buying? Did you save the deposit completely by yourself? Where abouts in the country do you live?

In 2 years her credit will be clean.
They just have to wait
But actually he could get a mortgage itll just cost them more for two years, get them to look at Kent Reliance or Kensington

We aren’t talking about single people. We’re talking about two people who have come together and decided to create a family.
So £52,000 minimum.

So again, you literally have a problem for every solution
Deposit £277 a month from £900 disposal income. Your figures.

Legal fees £1000 tops some new build properties will pay your legal fees for you

Sudden illness either temporary or you drop dead and you don’t need a house or long-term and you’d end up on benefits which are on minimum wage during a better position than you started in. And why would you be planning on having a baby if you’ve got a sudden illness? would be very irresponsible wouldn’t ?!

The professional poor on this thread are out in force.

It's a lovely idea but it's not the reality is it.

They cant

i Have a friend on 32k who was basically told that he wouldn’t get a mortgage based on his partner acredit even though he had a 20k deposit. She had bad credit due to being in a accident and needing time off work.

shit happens that are sometimes not in people’s control. There are so many situations where people can’t get a mortgage.

????

What is minimum wage like £26k a year?

How can a single person in areas where house prices start at £180k for 1 bedroom flats get a mortgage?

loads of reasons

lack of deposit (not everyone will be able to get one with something as low as 5k)
not able to pay legal fees
poor credit
a sudden illness

so many variable

If everyone started on a level playing field, I’d agree with you. Considering that more than half of the adults in society have no savings, there would be even less children, society has already curved the number of children being born. Society needs both wc and mc children, who else will stack the shelves and look after the children in childcare or the elderly and disabled trapped in their homes without a carer.

Ask them.

not exactly this was it?

But that once you have children, and cannot live in a bedsit/ flatshare (to save money on rent) , work overtime or even 2 jobs, AND have to pay childcare

You are very unreasonable to expect to also be able to save for a deposit.

Most home owners had to buy their house first, because you can't afford to do both.
It's a choice.

Very entitled to pretend you are special and should have both, unless you made sure you had the right salary for that.

Who can’t get a Mortgage?

When you are childfree and earning minimum wage or above
What would prevent you from getting a Mortgage?

Op- I’m glad it all looks like it is gonna work out for your tenents.

You actually think that everyone can get a mortgage? Mad.

Someone on this thread said that people who rent shouldn’t have children.

also implied that all renters smoke and drink their money away.

it was heavily implied by her that renters are failing or less worthy to have a family

If everyone had it drummed into them you buy a house before babies, renting would be for emergencies, newly settled into the country, students and relocaters.
Would solve a lot of problems

There should be better access to these long term tenancies as there are just so many now who won't be able to achieve home ownership.

The problem is the private rental market is the primary source of properties for people outside of home ownership. Getting on the ladder is genuinely unobtainable, so we need ways to make rent work.

I rent, but I rent from a housing association so I don't have to worry about someone wanting their house back so their son can live it. I can decorate it and maintain it how I want within reason.

So many families do not have that security, and given how many families do have to try and raise their children purely through private rent, not to mention people without children who want a secure home, we should be doing so much more to ensure secure homes are available.

The statistics are very clear that many, many families are stuck in the private rental market.

It's really not the case that renting is an active choice for everyone, and the fact that it is for some isn't a justification to allow for harmful rental practices.

Do you think any renters, who are so minded to want indefinite tenancies, should be entitled to that? How can we faciliate that?

Imagine the banking system collapsed, and there were no more mortgages and no home ownership. How would the country ensure people had stable homes?

but no one is saying renters are failure!

Renting is very often a choice, made to suit circumstances at that time. Nothing wrong with renting.

But it's unrealistic to expect long-term security and many tenants would NOT be stuck in a rental agreement giving the landlord the same "long-term security".
Renters have all the rights they need, but landlords need rights too.

Same, but the other way around.

Let them make the decision - communicate with them the timescales and give them the option to either get out early before the baby arrives (without any penalties) or to stay until the very last day if that is what they want.