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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To tell people we're still renting when we bought outright.

309 replies

TheChosen · 25/07/2026 00:37

DH and I recently moved house. Our previous house was a rental and we lived there for almost a decade. The old house was a small 2 bed flat where we lived with our 2DC.

The old rent was way below market rate as we had lived there for so long. We sacrificed living and outdoor space a little longer than we probably should have for the financial security and to allow us to build our savings. The smaller home/outgoings also allowed me to cut my hours to part time while the children were younger so we were happy to make the sacrifices as the benefits outweighed the cons.

Our local area is mostly made up of large new build houses that cost above average for the city we live in. All of our acquaintances and friends have much larger homes than us, and were often surprised when they discovered we lived in such a small, modest flat. Especially as we both have 'good' careers.

We have a combined income of approx 80-95k (depending on bonuses) and have managed to save a good chunk for a house deposit. The market has been terrible for a while and we haven't found anything we like, so decided to also look for bigger rentals to give us a little more space while we house hunt.

A 3 bed rental came up locally and we went for it. After a month of living there, the landlord had some major family issues and notified us they would need to sell unexpectedly. We still hadn't found a place to buy that we liked, then the landlord made us a great offer to buy our current place.

The cost of the house was less than our saved deposit so we decided to make a cash offer and buy the place mortgage free. The deal is finally complete and we are really happy here.

Here's the AIBU. Anytime someone finds out we've moved, the first question they ask is if we are still renting or have bought. I don't know why, but it's really bugging me. Never would it cross my mind to ask someone their renting/home owner status. I'm finding it very intrusive.

Would they still be asking this question if we had previously lived in a similar home to theirs? Do they see us being 'beneath' them for being renters rather than owners?

The first few times I was asked I simply changed the subject and didn't answer, but it keeps happening. These people aren't even close friends, just local acquaintances.

I've eventually started telling them we are still renting as I feel telling them we bought outright would open the door to even more uncomfortable questions.

Is it me, or is it intrusive of people to ask someone (that they don't know very well) this?

My real friends haven't once asked my rental/owner status. Why do random people seem to think they have a right to this knowledge?

AIBU to find this question intrusive and unnecessary?

OP posts:
chirrupybird · 28/07/2026 16:16

If they are really nosy they can check on land registry who owns the property, but it does take a while to update.

chirrupybird · 28/07/2026 16:25

It is really pushy to ask such direct questions about people's finances. We were talking to a neighbour recently and he was asking how much we paid for our house, and how many years ago. It is quite a long time ago so we did say, but I did think it was a bit cheeky, he bought reasonably recently so was maybe trying to gauge how much prices might go up. He was actually a bit surprised how much we paid, it wasn't a cheap area then and we were very stretched to buy at the time.

LetsGoFly4Kite · 31/07/2026 09:28

I think this maybe more about how you feel about things. I'm a renter myself and would typically ask someone if they were still renting or had bought.. not because I'm nosey but because I know it's a huge achievement & I'd want to congratulate them. Even better if you managed to get a good deal & the equity return will increase massively compared to what you paid.

You're winning OP, and many many people love to share in the joy of someone's win, don't get me wrong you'll maybe come across the odd jealous one but they're the ones that would be talking with spite no matter what you'd done so please enjoy what you've both achieved, shout it from the roof tops, speak up with confidence & excitement.. you've worked smarter, not harder and your sacrifices have paid off and rewarded you with stability and financial freedom 😊🫶🏼

KeepPumping · 03/08/2026 13:30

LetsGoFly4Kite · 31/07/2026 09:28

I think this maybe more about how you feel about things. I'm a renter myself and would typically ask someone if they were still renting or had bought.. not because I'm nosey but because I know it's a huge achievement & I'd want to congratulate them. Even better if you managed to get a good deal & the equity return will increase massively compared to what you paid.

You're winning OP, and many many people love to share in the joy of someone's win, don't get me wrong you'll maybe come across the odd jealous one but they're the ones that would be talking with spite no matter what you'd done so please enjoy what you've both achieved, shout it from the roof tops, speak up with confidence & excitement.. you've worked smarter, not harder and your sacrifices have paid off and rewarded you with stability and financial freedom 😊🫶🏼

I suspect the days of "equity returns increasing massively" are well behind us, and I wouldn"t call getting a mortgage an "achievement", you are taking on a large debt, it is a financial decision, for some it will be the right move for others it will be a financial mistake especially if they stretched and did not have savings, understand potential for higher interest rates etc.

KeepPumping · 03/08/2026 13:32

chirrupybird · 28/07/2026 16:16

If they are really nosy they can check on land registry who owns the property, but it does take a while to update.

You can just say "Yah, we bought for cash, are you mortgaged yourself?" Most of them will lose interest in asking.

KeepPumping · 03/08/2026 20:54

chirrupybird · 28/07/2026 16:25

It is really pushy to ask such direct questions about people's finances. We were talking to a neighbour recently and he was asking how much we paid for our house, and how many years ago. It is quite a long time ago so we did say, but I did think it was a bit cheeky, he bought reasonably recently so was maybe trying to gauge how much prices might go up. He was actually a bit surprised how much we paid, it wasn't a cheap area then and we were very stretched to buy at the time.

Sounds like he just recently got a low offer for his, or maybe he has been trying out some of the price drop apps?

user5784352 · 03/08/2026 22:48

KeepPumping · 03/08/2026 20:54

Sounds like he just recently got a low offer for his, or maybe he has been trying out some of the price drop apps?

Do you spend your entire life desperately hoping for people to get soaked on property, @Crashy? You need to get out more.

LetsGoFly4Kite · 05/08/2026 16:41

KeepPumping · 03/08/2026 13:30

I suspect the days of "equity returns increasing massively" are well behind us, and I wouldn"t call getting a mortgage an "achievement", you are taking on a large debt, it is a financial decision, for some it will be the right move for others it will be a financial mistake especially if they stretched and did not have savings, understand potential for higher interest rates etc.

Did you miss the part in OP where she said the landlord offered them it for a great price? Which was less than the deposit they'd already saved up so they were able to buy it outright without a mortgage?

I also have friends who've bought houses and increased the value of the house by over 50% in 12 months.. so no, those days aren't behind up.

KeepPumping · 05/08/2026 16:48

LetsGoFly4Kite · 05/08/2026 16:41

Did you miss the part in OP where she said the landlord offered them it for a great price? Which was less than the deposit they'd already saved up so they were able to buy it outright without a mortgage?

I also have friends who've bought houses and increased the value of the house by over 50% in 12 months.. so no, those days aren't behind up.

Do you have more details on the houses, areas and type of sale, work required etc. that increased a house value by 50% in 12 months, that sounds very far out for this market?

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