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Politics

Lifetime Social Housing Tenancies

713 replies

RowsOfFlowers · 26/06/2025 07:46

Am I wrong or being unreasonable to think that this new policy that Labour are bringing in is very unfair?

I come from a poor-ish background (as in no one in my wider family has any money). However, my mum and Dad did fairly okay and managed to move up the property ladder (through sheer hard work and sacrifice). My dad died a few years ago and so now it’s just my mom. We never received any benefits - and now my DH and I live in a house and pay a high interest rate (thanks Truss) and I don’t know if we will ever pay off our house (if I am to have children and go part time), so we will need to downsize. We don’t qualify for any benefits either but we are in the squashed middle, so we really feel it when anything rises in cost and don’t get any help.

I feel really cross that someone can benefit from social housing for a lifetime, no matter how much they go on to earn, and then if they pass away, they can pass it down as an asset.

I have a friend who’s parents came to this country, got given social housing, their children paid it off (40% discount) and now they all get to keep a £650k house in London. It doesn’t seem fair to me at all. I feel really disillusioned living in the UK.

OP posts:
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MyKingdomForACat · 27/06/2025 15:27

Private rent is £2,000 pm for a flat where I live.

MyKingdomForACat · 27/06/2025 15:26

Social. Housing. Is. Not. Free.

RowsOfFlowers · 27/06/2025 15:26

cloudyblueglass · 27/06/2025 15:26

You realise that mortgage payments are often on a par with what someone in an equivalent property with council or HA yes?

You truly do sound really bitter.

if you couldn’t afford your mortgage you shouldn’t have overstretched yourself.

No, they absolutely are not 😂 and it depends very much on how much you put down as a deposit and the length of term.

OP posts:
RowsOfFlowers · 27/06/2025 15:26

RowsOfFlowers · 27/06/2025 15:25

I don’t understand what you mean by shitty amount?

I just asked my DH, and he said, yeah £650 for a 3 bed semi is cheap. You are looking at £1300 min for a 3 bed semi down where I live in the private rental market.

Also this amount is not far off my mortgage - my mortgage is higher btw.

OP posts:
cloudyblueglass · 27/06/2025 15:26

RowsOfFlowers · 27/06/2025 15:07

I know this.

But it’s still not the same as someone not in SH as they likely won’t need to pay hefty deposits or extra charges and if they fall behind in rent, can get support.

You realise that mortgage payments are often on a par with what someone in an equivalent property with council or HA yes?

You truly do sound really bitter.

if you couldn’t afford your mortgage you shouldn’t have overstretched yourself.

RowsOfFlowers · 27/06/2025 15:25

LikeWhoUsesTypewritersAnyway · 27/06/2025 15:20

Crack on with being bitter and angry, but it's not going to change anything. NO-ONE is going to give up their affordable, lifetime tenancies in social housing because you are struggling with your mortgage payments and you are angry that you are not in social housing. Even if people ARE earning more than they did when they got the social housing property, they would have to have rocks in their head to give it up.

As I said earlier, why do you and a few others on here deeply resent people so much - who are comfortable and happy with a social housing lifetime tenancy? How depressing to resent people so much for being happy and secure.

Blowing out someone else's candle, won't make your burn brighter you know.

And yes, many people ARE paying full rent in social housing. The exhoribitant and ludicrous amounts that many private landlords charge is skewing your judgement and your views. People in social housing pay a good amount for their property, not peanuts. Several people I know pay £650 to £700 a month for a 3 bed semi. Do you really think that is a shitty amount? A low rent? Do me a favour. That's LOADS for some people. As I said, it's the very high amounts for private rent that make social housing rents APPEAR low. They are not. So stop saying they are.

I don’t understand what you mean by shitty amount?

I just asked my DH, and he said, yeah £650 for a 3 bed semi is cheap. You are looking at £1300 min for a 3 bed semi down where I live in the private rental market.

OP posts:
RowsOfFlowers · 27/06/2025 15:22

LikeWhoUsesTypewritersAnyway · 27/06/2025 15:20

Crack on with being bitter and angry, but it's not going to change anything. NO-ONE is going to give up their affordable, lifetime tenancies in social housing because you are struggling with your mortgage payments and you are angry that you are not in social housing. Even if people ARE earning more than they did when they got the social housing property, they would have to have rocks in their head to give it up.

As I said earlier, why do you and a few others on here deeply resent people so much - who are comfortable and happy with a social housing lifetime tenancy? How depressing to resent people so much for being happy and secure.

Blowing out someone else's candle, won't make your burn brighter you know.

And yes, many people ARE paying full rent in social housing. The exhoribitant and ludicrous amounts that many private landlords charge is skewing your judgement and your views. People in social housing pay a good amount for their property, not peanuts. Several people I know pay £650 to £700 a month for a 3 bed semi. Do you really think that is a shitty amount? A low rent? Do me a favour. That's LOADS for some people. As I said, it's the very high amounts for private rent that make social housing rents APPEAR low. They are not. So stop saying they are.

Perhaps you ought to put yourself in other people’s shoes for once — maybe then you might understand people’s very understanding bitterness and resentment towards people who quite literally get given things for free at the expense of other people. But I doubt you ever will.

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LikeWhoUsesTypewritersAnyway · 27/06/2025 15:20

RowsOfFlowers · 27/06/2025 15:09

And there we have it. So it’s not “full rent” in the same context.

I think I’m entitled to feeling bitter when literally so many people around me are getting hand outs, and I have to work to get anything myself!

Crack on with being bitter and angry, but it's not going to change anything. NO-ONE is going to give up their affordable, lifetime tenancies in social housing because you are struggling with your mortgage payments and you are angry that you are not in social housing. Even if people ARE earning more than they did when they got the social housing property, they would have to have rocks in their head to give it up.

As I said earlier, why do you and a few others on here deeply resent people so much - who are comfortable and happy with a social housing lifetime tenancy? How depressing to resent people so much for being happy and secure.

Blowing out someone else's candle, won't make your burn brighter you know.

And yes, many people ARE paying full rent in social housing. The exhoribitant and ludicrous amounts that many private landlords charge is skewing your judgement and your views. People in social housing pay a good amount for their property, not peanuts. Several people I know pay £650 to £700 a month for a 3 bed semi. Do you really think that is a shitty amount? A low rent? Do me a favour. That's LOADS for some people. As I said, it's the very high amounts for private rent that make social housing rents APPEAR low. They are not. So stop saying they are.

mylovedoesitgood · 27/06/2025 15:16

RowsOfFlowers · 27/06/2025 15:11

Not really. I think the course of this thread is being derailed now and some of you are just coming at me out of defence. It’s detracting from the discussion of the subject.

Yes, it’s because they know their arguments are weak, so that’s what they have to do - deliberately derail the thread, it’s a classic (and boring) online forum tactic.

IleftmybaginNewportPagnell · 27/06/2025 15:14

RowsOfFlowers · 27/06/2025 15:07

I know this.

But it’s still not the same as someone not in SH as they likely won’t need to pay hefty deposits or extra charges and if they fall behind in rent, can get support.

Hefty deposit of your own money so you can borrow less on a mortgage? Very sensible! 😂
Please enlighten us about the support for those falling behind in rent - do you mean a guarantor which only a small percentage of people would have?

K0OLA1D · 27/06/2025 15:13

RowsOfFlowers · 27/06/2025 15:11

Not really. I think the course of this thread is being derailed now and some of you are just coming at me out of defence. It’s detracting from the discussion of the subject.

I honestly wish they'd left the laugh react

mylovedoesitgood · 27/06/2025 15:12

RowsOfFlowers · 27/06/2025 15:07

I know this.

But it’s still not the same as someone not in SH as they likely won’t need to pay hefty deposits or extra charges and if they fall behind in rent, can get support.

Also, if you’re a mortgage payer, the property repairs are all your responsibility. So add that to the level of stress mortgage payers face.

K0OLA1D · 27/06/2025 15:12

RowsOfFlowers · 27/06/2025 15:07

I know this.

But it’s still not the same as someone not in SH as they likely won’t need to pay hefty deposits or extra charges and if they fall behind in rent, can get support.

I had to fully redecorate, new flooring and carpets all the way through, new fencing, pay for someone to come and clear the garden, new fence panels. Do you know what I had to do to the house I purchased? Move my stuff in.

You obviously know Jack Shit

MyKingdomForACat · 27/06/2025 15:12

You melted yesterday because other posters didn’t agree with your outdated jealous views but you can’t seem to leave it alone

RowsOfFlowers · 27/06/2025 15:11

LikeWhoUsesTypewritersAnyway · 27/06/2025 15:08

It is relevant though. You are hugely judging people in social housing for not paying exhorbitant rents for their homes, (and seemingly getting quite annoyed by it!) and demanding to know what people rents are, but you're saying 'mind your own business!' when people ask what your mortgage payment is.

Again reading between the lines, it's clear your mortgage payment is an amount that you are struggling with, and that is why you are projecting on this thread...

Not really. I think the course of this thread is being derailed now and some of you are just coming at me out of defence. It’s detracting from the discussion of the subject.

OP posts:
K0OLA1D · 27/06/2025 15:10

RowsOfFlowers · 27/06/2025 14:39

And I bet you’re just loving stirring on a thread as you’ve nothing better to do. Do you even have a job or a life, or do you just like to wind people up to pass the time? Again, nothing of substance to add to the discussion, simply a time-waster. You will be ignored.

Mate, you are not one to judge anyone for 'having nothing better to do' 😂

MyKingdomForACat · 27/06/2025 15:09

LikeWhoUsesTypewritersAnyway · 27/06/2025 15:08

It is relevant though. You are hugely judging people in social housing for not paying exhorbitant rents for their homes, (and seemingly getting quite annoyed by it!) and demanding to know what people rents are, but you're saying 'mind your own business!' when people ask what your mortgage payment is.

Again reading between the lines, it's clear your mortgage payment is an amount that you are struggling with, and that is why you are projecting on this thread...

100 per cent

RowsOfFlowers · 27/06/2025 15:09

Itsnothealthy · 27/06/2025 15:08

But mortages are often cheaper than renting.

Not always!

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RowsOfFlowers · 27/06/2025 15:09

LikeWhoUsesTypewritersAnyway · 27/06/2025 15:04

Yeah, of course HA rent is not as much as the private rent cost would be.

So what?

You are sounding like you won't be happy until everyone is struggling financially (like you appear to be - reading between the lines........)

.

Edited

And there we have it. So it’s not “full rent” in the same context.

I think I’m entitled to feeling bitter when literally so many people around me are getting hand outs, and I have to work to get anything myself!

OP posts:
Itsnothealthy · 27/06/2025 15:08

RowsOfFlowers · 27/06/2025 15:02

Err, obviously not.

The poster said they paid full rent in HA. Thats not going to be market rate private rental costs.

But mortages are often cheaper than renting.

LikeWhoUsesTypewritersAnyway · 27/06/2025 15:08

RowsOfFlowers · 27/06/2025 15:05

Not really. It’s just not relevant to the thread 😊 What I pay monthly for my mortgage isn’t really necessary to the discussion about lifetime social housing tenancy. Sorry you can’t see that.
If you use the HMRC app, you can see a breakdown of the costs of where your tax goes.

It is relevant though. You are hugely judging people in social housing for not paying exhorbitant rents for their homes, (and seemingly getting quite annoyed by it!) and demanding to know what people rents are, but you're saying 'mind your own business!' when people ask what your mortgage payment is.

Again reading between the lines, it's clear your mortgage payment is an amount that you are struggling with, and that is why you are projecting on this thread...

K0OLA1D · 27/06/2025 15:08

RowsOfFlowers · 27/06/2025 14:16

But a housing association is affordable property. So how much was your full rent?

It was 52 quid less than the private rent at next door. I paid full rent.

That has got fuck all do with how hard we were working at our jobs? What point are you trying to prove here?

MyKingdomForACat · 27/06/2025 15:08

LikeWhoUsesTypewritersAnyway · 27/06/2025 15:01

Seriously, what on earth are you on about? Confused

Are you suggesting that everyone who is in social housing gets their rent paid?

What a breathtakingly ignorant and innaccurate comment.

It so is. I’m not allowed to comment further because apparently I’m a troll but the OP has an unhealthy obsession with other people’s circumstances and money. People in SH pay tax on their earnings the same as everyone else. Not all tenants are in receipt of benefit. The argument doesn’t seem to go beyond some sort of outdated, weird lack of knowledge around social housing. This kind of ignorance is usually based around some sort of jealousy and resentment of getting something for nothing that the misinformed think they’re missing out on.

RowsOfFlowers · 27/06/2025 15:07

cloudyblueglass · 27/06/2025 15:05

Councils and housing associations aren’t profit making businesses - unlike many private landlords.

Council and HA tenants aren’t getting their roof
for ‘free’ any more than anyone else is.

I know this.

But it’s still not the same as someone not in SH as they likely won’t need to pay hefty deposits or extra charges and if they fall behind in rent, can get support.

OP posts:
IleftmybaginNewportPagnell · 27/06/2025 15:06

RowsOfFlowers · 27/06/2025 14:57

Just the cost of living, and everything else - I.e council tax, energy bills, fuel, food, professional registrations, commuting costs. We haven’t over-stretched. I’m tired of being blamed for buying a house and being accused of over-stretching.

All I know of you is what you’ve described here so I’m not blaming you for anything!
Cost of living
Council tax
Energy bills
Fuel
Food
Professional registrations
Commuting costs…
All have to be paid whether home-owner or tenant. Two colleagues are 73 still working full-time NMW in a shop. One rents one owns. It’s shocking out there and not much better for me. Keep positive for the next generation, they’ll have it worse! Good luck.