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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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RowsOfFlowers · 27/06/2025 15:05

LikeWhoUsesTypewritersAnyway · 27/06/2025 15:03

One rule for one, and one rule for another on this thread! OP can ask whatever she wants, but then gets salty when people ask her things.

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.

OP posts:
cloudyblueglass · 27/06/2025 15:05

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.

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.

LikeWhoUsesTypewritersAnyway · 27/06/2025 15:04

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.

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........)

.

LikeWhoUsesTypewritersAnyway · 27/06/2025 15:03

Itsnothealthy · 27/06/2025 14:57

But you just asked another poster how much her rent is ?

One rule for one, and one rule for another on this thread! OP can ask whatever she wants, but then gets salty when people ask her things.

RowsOfFlowers · 27/06/2025 15:02

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.

Err, obviously not.

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

OP posts:
RowsOfFlowers · 27/06/2025 15:01

RowsOfFlowers · 27/06/2025 15:00

That’s great.

If myself and my partner need to move, we have to pay loads in solicitors fees, stamp duty etc. so yes, we would also need to spend somewhat the same. That’s how much it costs to move. That is reality.

OP posts:
LikeWhoUsesTypewritersAnyway · 27/06/2025 15:01

RowsOfFlowers · 27/06/2025 15:00

Due to the context of our interaction. They said they lived in HA but paid full rent. Full rent in the context of what they’re saying is still going to be below market rate. It’s like people who receive benefits calling it “pay day” or “I’m being paid today.” No, it’s a benefit, and it’s not pay day.

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.

RowsOfFlowers · 27/06/2025 15:00

IleftmybaginNewportPagnell · 27/06/2025 14:58

Funny enough the relevance is that you asked why they couldn’t save and pay “like the rest of us” and I just informed you that they did pay the £10000 to move.

That’s great.

OP posts:
RowsOfFlowers · 27/06/2025 15:00

Itsnothealthy · 27/06/2025 14:57

But you just asked another poster how much her rent is ?

Due to the context of our interaction. They said they lived in HA but paid full rent. Full rent in the context of what they’re saying is still going to be below market rate. It’s like people who receive benefits calling it “pay day” or “I’m being paid today.” No, it’s a benefit, and it’s not pay day.

OP posts:
IleftmybaginNewportPagnell · 27/06/2025 14:58

RowsOfFlowers · 27/06/2025 14:47

To be perfectly honest, I’m not entirely sure what relevance this has. It’s a garden. It’s communal. And it’s also optional. It’s a choice they made to spend doing it up. I’m sure they were able to save a lot quicker than those of us who have to pay private rental costs or mortgages. This is my point, it’s not the same game.

I actually feel quite detached from other people in the UK (and on this thread) I just cannot relate in any way - it’s a totally different world and economy.

Funny enough the relevance is that you asked why they couldn’t save and pay “like the rest of us” and I just informed you that they did pay the £10000 to move.

Itsnothealthy · 27/06/2025 14:57

RowsOfFlowers · 27/06/2025 14:31

None of your business 👋

But you just asked another poster how much her rent is ?

RowsOfFlowers · 27/06/2025 14:57

IleftmybaginNewportPagnell · 27/06/2025 14:53

I’m just interested why you feel you have a “level of stress” with owning? I ask kindly since you may be overstretched with your borrowing. If you had a decent deposit and can afford to overpay, you should be able to relax a little better about your situation. Btw the only people I know in social housing work full-time and I do know someone who used the government safety net to help with their mortgage so you should be able to access that too.

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.

OP posts:
IleftmybaginNewportPagnell · 27/06/2025 14:53

RowsOfFlowers · 27/06/2025 14:43

It will still be a lot lower than private rental or most with mortgages, so you did benefit from having low-cost rent. Yes, it may have been “full rent” for the HA, but I’m gonna bet it was not market rate.

It’s not the same level of stress as someone in a private rental or mortgaged property. These people have no cushion or safety net like those in SH/HA. The truth hurts I’m afraid, and many people are attacking me on this thread out of defence and “hurt feelings.” It’s just not the same game.

Edited

I’m just interested why you feel you have a “level of stress” with owning? I ask kindly since you may be overstretched with your borrowing. If you had a decent deposit and can afford to overpay, you should be able to relax a little better about your situation. Btw the only people I know in social housing work full-time and I do know someone who used the government safety net to help with their mortgage so you should be able to access that too.

RowsOfFlowers · 27/06/2025 14:47

IleftmybaginNewportPagnell · 27/06/2025 14:44

Of course! Who do you think paid the £10000 costs? The tenant of course. And the garden will be an on-going project but it’s communal so one person can’t come in and make massive changes. The couple spent over £5000 on the garden at the last property. I’m not sure why you have any confusion about saving “like the rest of us” but even if it was on credit or borrowed, it’s still not costing you or any other taxpayer anything so you can sleep soundly tonight 😂
For anyone interested in homeswapping, my biggest tip is go more for the people who are definitely motivated even if the property is not the best.

To be perfectly honest, I’m not entirely sure what relevance this has. It’s a garden. It’s communal. And it’s also optional. It’s a choice they made to spend doing it up. I’m sure they were able to save a lot quicker than those of us who have to pay private rental costs or mortgages. This is my point, it’s not the same game.

I actually feel quite detached from other people in the UK (and on this thread) I just cannot relate in any way - it’s a totally different world and economy.

OP posts:
mylovedoesitgood · 27/06/2025 14:44

LikeWhoUsesTypewritersAnyway · 27/06/2025 14:34

It makes me laugh when people 'threaten' to leave the UK because they're sooooo annoyed about certain policies/certain things about living here.

Firstly, LOL, no they won't. And secondly, how arrogant to assume that they can just stroll into the country of their choice, and that that particular country will even want them! All the LOLz! 😂

You know hardly anything about the OP, so please stop embarrassing yourself.

IleftmybaginNewportPagnell · 27/06/2025 14:44

Of course! Who do you think paid the £10000 costs? The tenant of course. And the garden will be an on-going project but it’s communal so one person can’t come in and make massive changes. The couple spent over £5000 on the garden at the last property. I’m not sure why you have any confusion about saving “like the rest of us” but even if it was on credit or borrowed, it’s still not costing you or any other taxpayer anything so you can sleep soundly tonight 😂
For anyone interested in homeswapping, my biggest tip is go more for the people who are definitely motivated even if the property is not the best.

RowsOfFlowers · 27/06/2025 14:43

RowsOfFlowers · 27/06/2025 14:16

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

It will still be a lot lower than private rental or most with mortgages, so you did benefit from having low-cost rent. Yes, it may have been “full rent” for the HA, but I’m gonna bet it was not market rate.

It’s not the same level of stress as someone in a private rental or mortgaged property. These people have no cushion or safety net like those in SH/HA. The truth hurts I’m afraid, and many people are attacking me on this thread out of defence and “hurt feelings.” It’s just not the same game.

OP posts:
RowsOfFlowers · 27/06/2025 14:39

LikeWhoUsesTypewritersAnyway · 27/06/2025 14:31

@1apenny2apenny · Today 07:31

Some of the comments on this thread such as where the nephew inherits a tenancy is why people like me will minimise the tax they pay and may even chose to leave the country.

I bet you won't leave the UK either.

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.

OP posts:
RowsOfFlowers · 27/06/2025 14:37

LikeWhoUsesTypewritersAnyway · 27/06/2025 14:34

It makes me laugh when people 'threaten' to leave the UK because they're sooooo annoyed about certain policies/certain things about living here.

Firstly, LOL, no they won't. And secondly, how arrogant to assume that they can just stroll into the country of their choice, and that that particular country will even want them! All the LOLz! 😂

All the Lolz at yourself, as I work in healthcare and in an in-demand role, so actually, yes, I do have opportunities and choices, and rightly so as I’ve done many years of studying and have lots of work experience.

All the Lolz when the UK is in even more of a mess because people such as yourself expect everything for free at the expense of those working and contributing in tax.

OP posts:
RowsOfFlowers · 27/06/2025 14:35

IleftmybaginNewportPagnell · 27/06/2025 14:32

@RowsOfFlowers
Example 1
grandparents in council house after bombed out in war. Both worked and paid rent for 40 years. Grandad died, nan moved to sheltered but then to a bed in cottage hospital. All she had was a locker next to her. Broke my heart but she was looked after “for life”.
Example 2
family of 6 in 3-bed housing association house. Both worked and paid full rent. Children gradually left, adults applied to downsize after 20 years but nothing available with HA and it’s not interchangeable so even though there would’ve been many on council list, it wasn’t available to them! Suggested home swap - after a lot of research and some time-wasters, swapped with a young family. All good except rent is the same! Both swappers have to have immaculate records and no arrears to even be considered (rightly so). Cost £2000 to move and £8000 for flooring, decoration and white goods. Shared garden a mess and can’t be used although they are working on that. But they did the right thing. Three years on, they will continue to pay full rent and service charge till they die as per “lifetime tenancy”. If one/both can’t manage the 3 flights of stairs in future they’ll probably be moved to a tower block 1-bed with lift. They are happy.
Horses for courses.

that second scenario is the right thing to do… as for the costs of things, could they not save? Like the rest of us? We moved into a house and the garden was a nightmare, we either had to sort it ourselves or save up. No one is doing the maintenance for us.

OP posts:
LikeWhoUsesTypewritersAnyway · 27/06/2025 14:34

It makes me laugh when people 'threaten' to leave the UK because they're sooooo annoyed about certain policies/certain things about living here.

Firstly, LOL, no they won't. And secondly, how arrogant to assume that they can just stroll into the country of their choice, and that that particular country will even want them! All the LOLz! 😂

IleftmybaginNewportPagnell · 27/06/2025 14:32

@RowsOfFlowers
Example 1
grandparents in council house after bombed out in war. Both worked and paid rent for 40 years. Grandad died, nan moved to sheltered but then to a bed in cottage hospital. All she had was a locker next to her. Broke my heart but she was looked after “for life”.
Example 2
family of 6 in 3-bed housing association house. Both worked and paid full rent. Children gradually left, adults applied to downsize after 20 years but nothing available with HA and it’s not interchangeable so even though there would’ve been many on council list, it wasn’t available to them! Suggested home swap - after a lot of research and some time-wasters, swapped with a young family. All good except rent is the same! Both swappers have to have immaculate records and no arrears to even be considered (rightly so). Cost £2000 to move and £8000 for flooring, decoration and white goods. Shared garden a mess and can’t be used although they are working on that. But they did the right thing. Three years on, they will continue to pay full rent and service charge till they die as per “lifetime tenancy”. If one/both can’t manage the 3 flights of stairs in future they’ll probably be moved to a tower block 1-bed with lift. They are happy.
Horses for courses.

LikeWhoUsesTypewritersAnyway · 27/06/2025 14:31

@1apenny2apenny · Today 07:31

Some of the comments on this thread such as where the nephew inherits a tenancy is why people like me will minimise the tax they pay and may even chose to leave the country.

I bet you won't leave the UK either.

RowsOfFlowers · 27/06/2025 14:31

Itsnothealthy · 27/06/2025 14:21

I know your not asking me . But out of interest how much is your mortgage

None of your business 👋

OP posts:
LikeWhoUsesTypewritersAnyway · 27/06/2025 14:29

RowsOfFlowers · 27/06/2025 08:11

Yes, I agree @1apenny2apenny
To be honest, we are considering leaving the country as well. It just doesn’t work for us or benefit us that much.

I bet you won't.

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