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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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Iamtarticus · 26/06/2025 08:34

A huge amount of social
housing tenancies do not allow children to succeed a tenancy. It’s usually just a partner that can take on a tenancy.

LadyKenya · 26/06/2025 08:34

RowsOfFlowers · 26/06/2025 08:27

I just want to say I love coming on MN and reading everyone’s differing opinions. I find it eye opening and genuinely interesting. I’m not a bad person, and I don’t want to be attacked online.

I don’t personally see myself as privileged when the CoL is so high that most of my salary goes on mortgage and bills. Yes, I’m privileged in that I do have a home, I agree and I appreciate that, but I barely leave it, lol. I literally just work and exist in my house. Some are saying I’m attacking the wrong people - I want to make it clear that I’m not attacking the poor or social housing tenants. I just want to live in a fair, and just society. I don’t think this is fair policy.

Some people would argue that it is unfair that some people are able to buy their own homes, and in effect can have a choice about where they live. Council/ Social tenants do not have such a level of choice. They will never own their property, as not everybody is in a position for right to buy etc. Not fair? Life is not fair! It is nothing new!

bombastix · 26/06/2025 08:34

I don’t think moaning about having to pay a mortgage is reasonable in this context. At the end, you will have built an asset and some wealth. Good on you.

Social housing just houses you. No asset. That’s it.

Mulberryblackbird · 26/06/2025 08:34

RowsOfFlowers · 26/06/2025 08:27

I just want to say I love coming on MN and reading everyone’s differing opinions. I find it eye opening and genuinely interesting. I’m not a bad person, and I don’t want to be attacked online.

I don’t personally see myself as privileged when the CoL is so high that most of my salary goes on mortgage and bills. Yes, I’m privileged in that I do have a home, I agree and I appreciate that, but I barely leave it, lol. I literally just work and exist in my house. Some are saying I’m attacking the wrong people - I want to make it clear that I’m not attacking the poor or social housing tenants. I just want to live in a fair, and just society. I don’t think this is fair policy.

Surely widening social housing provision and limiting right to buy would be the better way ro create a fairer society? What you're suggesting is making more people have difficulties finding secure housing, rather than making it better for everyone.

NotOldYet · 26/06/2025 08:31

Frateletheboss · 26/06/2025 07:55

She said she doesn't even know if she'll be able to afford her mortgage if she has kids. Hardly good fortune. And yeah it's unfair everyone else has to pay rent that's 2x or even 3x as much potentially getting evicted whenever landlord wants to sell. Just for someone else to be given somewhere and not have that problem and they still find something to moan about

She says she won't be able to afford her mortgage if she goes part time. Neither would I, so I work full time.

I think there's a lot of hate for social housing tenants and how good they have it. But the hate is directed to the wrong place. People hate it because its not available to all, which it should be.

Mulberryblackbird · 26/06/2025 08:30

mylovedoesitgood · 26/06/2025 08:23

It’s a great idea for tax payers who don’t want to subsidise people like you, but if it did happen, local authorities would be wise to people doing all sorts to avoid going into the private sector, similarly to how they deal with suspected cases of deliberately depriving yourself of assets to avoid paying for care.

Making up bizarre lies about 'subsidising' is presumably intentional – you're trying to stir up hatred and divisions in society. Very nasty, dangerous behaviour.

Perhaps be grateful instead that you benefit from the rents council tenants pay, which are in effect extra taxes going towards public services for you.

LadyKenya · 26/06/2025 08:30

MiloMinderbinder925 · 26/06/2025 08:25

Because it's made up.

It does sound rather far fetched. Why on earth would they be getting rehoused by the Council, when they already have a roof over their head? Social housing stock is at a premium. They are not handed out like smarties!

Frequency · 26/06/2025 08:28

mylovedoesitgood · 26/06/2025 08:23

It’s a great idea for tax payers who don’t want to subsidise people like you, but if it did happen, local authorities would be wise to people doing all sorts to avoid going into the private sector, similarly to how they deal with suspected cases of deliberately depriving yourself of assets to avoid paying for care.

No one pays anything towards my house except me.

As it has been owned by social landlords since it was built in the 60s the mortgage has long been paid. The HA are making a profit from me which is paying towards buying and building more social housing in our area.

I am also a taxpayer FYI.

RowsOfFlowers · 26/06/2025 08:27

I just want to say I love coming on MN and reading everyone’s differing opinions. I find it eye opening and genuinely interesting. I’m not a bad person, and I don’t want to be attacked online.

I don’t personally see myself as privileged when the CoL is so high that most of my salary goes on mortgage and bills. Yes, I’m privileged in that I do have a home, I agree and I appreciate that, but I barely leave it, lol. I literally just work and exist in my house. Some are saying I’m attacking the wrong people - I want to make it clear that I’m not attacking the poor or social housing tenants. I just want to live in a fair, and just society. I don’t think this is fair policy.

OP posts:
Itsnothealthy · 26/06/2025 08:26

RowsOfFlowers · 26/06/2025 08:17

And what about those of us who have the stress and insecurity of mortgages (and rent) with no protections, do you not think we deserve some stability as well?

I hate this misconception that you are somehow “stable” living in a mortgaged home. It’s not always the case.

I too have rented, and yes, it’s not nice either but this policy is not fair at all.

Mortgage =seems secure but life can happen ie health, job loss, relationship break up and you could loose your home. Could lead to eviction and then into temporary accommodation tiat could lead to social housing.

Private renting. Landlord can eviction at anytime . =temporary accommodation for many years leading to social housing if your lucky.

Basically if you want social housing Private rent . Hope you get evicted spend years in unsuitable tempary accommodation

Mulberryblackbird · 26/06/2025 08:25

Liondoesntsleepatnight · 26/06/2025 08:22

Yep, I know someone who earns about £95k pays £600 pcm rent for a large house, massive garden, lifetime tenancy that they will pass onto their DC, it’s 3 bedroom. Has an adult DC living there but that DC is on council waiting list and looking to be housed fairly soon.

Have you any evidence that the tenancy will be passed on to people who are not legal tenants? There's nowhere I know of where this is legal.

MiloMinderbinder925 · 26/06/2025 08:25

LadyKenya · 26/06/2025 08:23

Why are they not able to continue living at home?

Because it's made up.

Frateletheboss · 26/06/2025 08:25

Itsnothealthy · 26/06/2025 08:14

Alot of families have ended up in social housing due to the landlord evicting them often in unsuitable temporary accommodation for years.

Yes and a lot of people have also been evicted and lived in unsuitable accommodation for years and got nothing but still have to put up with some social housing tenants moaning about stupid shit

bombastix · 26/06/2025 08:24

It’s a reasonable policy and people deserve a secure home. Lifetime tenancy is fine, and they should do something about right to buy.

I get the idea it’s a privilege in today’s housing market, but bar serious criminal behaviour, people should be able to stay in social housing for life.

LadyKenya · 26/06/2025 08:23

Liondoesntsleepatnight · 26/06/2025 08:22

Yep, I know someone who earns about £95k pays £600 pcm rent for a large house, massive garden, lifetime tenancy that they will pass onto their DC, it’s 3 bedroom. Has an adult DC living there but that DC is on council waiting list and looking to be housed fairly soon.

Why are they not able to continue living at home?

mylovedoesitgood · 26/06/2025 08:23

Frequency · 26/06/2025 08:12

Means testing is a stupid idea, as is evicting people who go on to earn a good wage.

If i had to pick between safe and secure housing but a lifetime on nmw and top up benefits or a lifetime of private renting and the risk of being evicted at the landlords whim or coming across one of the many slumlords but a decent wage i know which one I would choose.

I private rented for 10 years. Not once did I ever have a decent landlord. If my housing association decide to means test their housing I'll give up my job and take nmw before I go back to private renting.

It’s a great idea for tax payers who don’t want to subsidise people like you, but if it did happen, local authorities would be wise to people doing all sorts to avoid going into the private sector, similarly to how they deal with suspected cases of deliberately depriving yourself of assets to avoid paying for care.

Mulberryblackbird · 26/06/2025 08:22

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Liondoesntsleepatnight · 26/06/2025 08:22

Yep, I know someone who earns about £95k pays £600 pcm rent for a large house, massive garden, lifetime tenancy that they will pass onto their DC, it’s 3 bedroom. Has an adult DC living there but that DC is on council waiting list and looking to be housed fairly soon.

Theunamedcat · 26/06/2025 08:21

RowsOfFlowers · 26/06/2025 08:12

I think that social housing should be for those that need it, and that if you are then in a position where you wouldn’t qualify for it, you need to find somewhere else. This is my opinion, and I shouldn’t be berated for it.

Yes you should be berated your privileged squeezed middle or not you still have your own home

Where would you put the cut off? £100,000 a year? Fine in my area not in London how long would you give someone to save for a deposit for this mythical house they are going to buy/rent? A week? A month? How about a year? What happens if they don't get out will you evict them? It costs thousands where will they go then? Into emergency temporary accommodation which costs a fortune 🤔 what happens if they lose their job do you put them back into social housing?

What are your plans?

Lioncub2020 · 26/06/2025 08:21

We had a thread about this about a week ago. Apparently if you think anything other than people it is all fine for the rich to live in social housing you are jealous or it is just envy. Lifetime tenancies should never have been put in place but it is hardly a new thing. The provision of a council/charity house should be reviewed every few years to ensure that they are used by the people who need them.

LadyKenya · 26/06/2025 08:19

Summerhillsquare · 26/06/2025 07:54

Housing in the UK is wrong and unjust but you're attacking the wrong people. Try and think critically about what you read, and consider who has the real power and wealth.

This.

RowsOfFlowers · 26/06/2025 08:17

Frequency · 26/06/2025 08:12

Means testing is a stupid idea, as is evicting people who go on to earn a good wage.

If i had to pick between safe and secure housing but a lifetime on nmw and top up benefits or a lifetime of private renting and the risk of being evicted at the landlords whim or coming across one of the many slumlords but a decent wage i know which one I would choose.

I private rented for 10 years. Not once did I ever have a decent landlord. If my housing association decide to means test their housing I'll give up my job and take nmw before I go back to private renting.

And what about those of us who have the stress and insecurity of mortgages (and rent) with no protections, do you not think we deserve some stability as well?

I hate this misconception that you are somehow “stable” living in a mortgaged home. It’s not always the case.

I too have rented, and yes, it’s not nice either but this policy is not fair at all.

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Theunamedcat · 26/06/2025 08:16

It's not housing for poor people it's a secure tenancy and I'm half against being able to pass it down if I'm honest but if the plan goes right I will be downsizing when my children leave so at the end I will be in a flat suitable for my needs and no use to my children however my son has sen and might never be independent which puts a bit of a spanner in the works because I would need to make sure he is in suitable supporting housing before I die

If I earned over a hundred thousand a year I would absolutely be buying my own home but I don't and it's unlikely I ever will private renting isnt an option it's not secure so the government would have to force private landlords to provide secure housing to make it fair OR introduce a mortgage that's the same price as your rent and transferable to family members upon your death

Everyone has the right to a home

Itsnothealthy · 26/06/2025 08:14

Frateletheboss · 26/06/2025 07:55

She said she doesn't even know if she'll be able to afford her mortgage if she has kids. Hardly good fortune. And yeah it's unfair everyone else has to pay rent that's 2x or even 3x as much potentially getting evicted whenever landlord wants to sell. Just for someone else to be given somewhere and not have that problem and they still find something to moan about

Alot of families have ended up in social housing due to the landlord evicting them often in unsuitable temporary accommodation for years.

RowsOfFlowers · 26/06/2025 08:12

Coffeeishot · 26/06/2025 08:07

This isnt new and your parents were well within their rights being "poorish" to apply for social housing, where I live its rolling tenancy so it is reviewed the lifetime tenancy stopped in the 00s but my parents still have theirs. What do you think should happen people should be made to rent privately unsecurely, because you struggle with a mortgage ?

I think that social housing should be for those that need it, and that if you are then in a position where you wouldn’t qualify for it, you need to find somewhere else. This is my opinion, and I shouldn’t be berated for it.

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