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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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LikeWhoUsesTypewritersAnyway · 29/06/2025 17:09

PandoraSocks · 29/06/2025 16:46

Once upon a time the story was 16 year olds having babies deliberately to obtain sicial housing. Now, according to you, it is making up false allegations of abuse by stepfathers to obtain social housing.

If you have any evidence to back up your claim, please post it.

Otherwise, Hitchins' Razor cuts a swathe through this nonsense.

This. ^

RowsOfFlowers · 29/06/2025 17:04

JenniferBooth · 29/06/2025 15:47

I asked for a link not a further explanation of why you posted what you did LINK PLEASE!!

Absolutely not made up b*llocks… and here is a government article on the very matter… took a few clicks of button via google…

www.gov.uk/government/news/protection-from-prosecution-for-unlawful-subletting-at-grenfell-tower

OP posts:
RowsOfFlowers · 29/06/2025 17:02

Frequency · 29/06/2025 16:39

I could see that in places like my area, where there is enough social housing, quickly gaining and subletting a flat through deception might be possible (IDK why you would sublet when you can just go directly to the HA for less money) but in London where the average wait is 3-4 years, without any shred of evidence or ever stepping foot in temp accomodation or being homeless?

It feels a bit far-fetched, tbh.

plenty of people sublet for lots of reasons, e.g. needing a place to stay for a short period of time such as 6 months to 1 year or not qualifying because they’re not UK citizens…even students… I can see how that could be quite lucrative in London tbh.

OP posts:
PandoraSocks · 29/06/2025 16:46

MaturingCheeseball · 29/06/2025 16:34

Absolutely true. Something is not “bollocks”because it does not suit your view.

Once upon a time the story was 16 year olds having babies deliberately to obtain sicial housing. Now, according to you, it is making up false allegations of abuse by stepfathers to obtain social housing.

If you have any evidence to back up your claim, please post it.

Otherwise, Hitchins' Razor cuts a swathe through this nonsense.

Frequency · 29/06/2025 16:45

If it were that easy, no one in London would be living in unsuitable temporary accommodations or bed and breakfasts.

Frequency · 29/06/2025 16:44

Yes, subletting happens, and I am aware it was an issue in Grenfell Towers, but it happens when people who were in genuine need of a property at the time they gained it then move away for whatever reason, but do not want to give up their tenancy.

It doesn't happen by just asking for a London house and getting one because you told a few fibs.

MaturingCheeseball · 29/06/2025 16:39

Just Google “Grenfell Tower subletting” and a whole host of articles comes up - from Guardian if you like, and also a govt report saying illegal tenants would have an amnesty.

Frequency · 29/06/2025 16:39

I could see that in places like my area, where there is enough social housing, quickly gaining and subletting a flat through deception might be possible (IDK why you would sublet when you can just go directly to the HA for less money) but in London where the average wait is 3-4 years, without any shred of evidence or ever stepping foot in temp accomodation or being homeless?

It feels a bit far-fetched, tbh.

MaturingCheeseball · 29/06/2025 16:36

@JenniferBooth - please do not shout. I’m sure I could find a link if I could be bothered.

MaturingCheeseball · 29/06/2025 16:34

Absolutely true. Something is not “bollocks”because it does not suit your view.

PandoraSocks · 29/06/2025 16:27

MaturingCheeseball · 29/06/2025 09:57

I have no problem with lifetime (for one person) tenancies. If you penalise people for earning - that would be madness.

However, as I said on another thread, what is equally madness is making the eligibility for social housing basically having nothing - no job and no spouse/partner, but the more children the better. The system is peverse in that it punishes couples on low (ordinary) incomes in favour of people who - let’s be honest - you probably don’t want occupying estates/flats en masse.

Furthermore we saw from Grenfell Tower and in my personal experience that masses of properties are sub-let. My cousin sub-let a flat in Bethnal Green from a man who lived abroad. They paid a relative who came round in cash. A young colleague had her own flat in a very nice street. She said that the way to get one was your mum said the stepfather was abusing you. She said loads of her friends did it. Then she just continued to live at home and sublet the flat.

A young colleague had her own flat in a very nice street. She said that the way to get one was your mum said the stepfather was abusing you. She said loads of her friends did it. Then she just continued to live at home and sublet the flat

What a load of made up bollocks.

BIossomtoes · 29/06/2025 15:48

If there was no opportunity cost and it was an excellent investment then the state and private investors would be rushing to invest.

Please explain to me how a not for profit entity can be an investment opportunity. There is no profit to attract prospective investors.

JenniferBooth · 29/06/2025 15:47

MaturingCheeseball · 29/06/2025 15:45

@JenniferBooth - indeed Grenfell flats were sublet. It made it difficult to identify the occupants. Some of those illegally subletting were claiming they had been in situ. An Italian couple - architectural students I think - who died had been subletting a flat.

One can only hope “lessons were learned” by the Council but as ever I fear not.

I asked for a link not a further explanation of why you posted what you did LINK PLEASE!!

MaturingCheeseball · 29/06/2025 15:45

@JenniferBooth - indeed Grenfell flats were sublet. It made it difficult to identify the occupants. Some of those illegally subletting were claiming they had been in situ. An Italian couple - architectural students I think - who died had been subletting a flat.

One can only hope “lessons were learned” by the Council but as ever I fear not.

Bumpitybumper · 29/06/2025 15:42

BIossomtoes · 29/06/2025 15:14

I completely understand the point they’re making and they’re wrong.

You have completely failed to address the cost of capital/opportunity cost point. I can only assume you either can't comprehend what I'm arguing or that you think because SH is run on a not for profit basis then this means that there is no opportunity cost. It's really bizarre!

An easy way to prove who is right is to look at the (lack of) social housing being built. If there was no opportunity cost and it was an excellent investment then the state and private investors would be rushing to invest. Heck, investors would be piling into the private rental market as this would be even more lucrative without the need to charge lower rents and yet we see landlords doing the exact opposite. So if it doesn't pay to be in the private rental sector why on earth are you convinced that SH isn't subsidised?

BIossomtoes · 29/06/2025 15:14

mylovedoesitgood · 29/06/2025 14:27

But that person hasn’t been proven right - it’s you who doesn’t understand the point they’re making and how the point differs from yours.

I completely understand the point they’re making and they’re wrong.

JenniferBooth · 29/06/2025 15:07

Itsnothealthy · 29/06/2025 14:34

So a family in social housing. Working . Can pay their own rent due to be being lower than private rent ... the family start earning a bit more. get kicked out of social housing forced to private rent. Family now have to claim help for their rent as it's to much for them to manage.

  1. the tax payer is now helping with the rent .

  2. gold dust if a landlord will even accept the family.

  3. landlord decides to sell a few years later. They cant get another private rent due to landlord not accepting the family.

  4. family now made homeless in temporary accommodation for many years.

On another thread im on there are people moaning like fuck about how there is no community anymore. The cognitive dissonance is stark.

Itsnothealthy · 29/06/2025 14:34

So a family in social housing. Working . Can pay their own rent due to be being lower than private rent ... the family start earning a bit more. get kicked out of social housing forced to private rent. Family now have to claim help for their rent as it's to much for them to manage.

  1. the tax payer is now helping with the rent .

  2. gold dust if a landlord will even accept the family.

  3. landlord decides to sell a few years later. They cant get another private rent due to landlord not accepting the family.

  4. family now made homeless in temporary accommodation for many years.

mylovedoesitgood · 29/06/2025 14:27

BIossomtoes · 29/06/2025 14:15

It is hilarious. To be so comprehensively proved wrong and still maintain you’re right would be sad if it wasn’t so funny.

But that person hasn’t been proven right - it’s you who doesn’t understand the point they’re making and how the point differs from yours.

BIossomtoes · 29/06/2025 14:15

It is hilarious. To be so comprehensively proved wrong and still maintain you’re right would be sad if it wasn’t so funny.

mylovedoesitgood · 29/06/2025 14:11

BIossomtoes · 29/06/2025 14:03

😂

Yes, how hilarious.

BIossomtoes · 29/06/2025 14:03

Bumpitybumper · 29/06/2025 13:59

Neither of these things change the fact that SH is de facto subsidised.

For political and social reasons we currently choose to make SH 'not for profit ' but this has a clear opportunity cost to the tax payer. It is therefore subsidised and comes at a cost to other services that will not be funded as easily with money made from the public equity/capital tied up in housing. Also the fact something is written in statue means nothing. Statue can and does change especially if political will changes.

😂

Bumpitybumper · 29/06/2025 13:59

BIossomtoes · 29/06/2025 13:29

The comparison isn’t valid for two reasons which you’re conveniently ignoring. The first is that a basic tenet of social housing is that it’s not for profit. The second is that all council housing revenue accounts are by statute ringfenced and local authorities are not allowed to transfer funds from the housing account to the general account or vice versa.

Neither of these things change the fact that SH is de facto subsidised.

For political and social reasons we currently choose to make SH 'not for profit ' but this has a clear opportunity cost to the tax payer. It is therefore subsidised and comes at a cost to other services that will not be funded as easily with money made from the public equity/capital tied up in housing. Also the fact something is written in statue means nothing. Statue can and does change especially if political will changes.

BIossomtoes · 29/06/2025 13:29

Bumpitybumper · 29/06/2025 13:15

As I've said a million times, it is too simplistic and not reflective of the reality of owning an asset like housing. One last time though no doubt it would make no difference to you:

Say your grandparents owned a house that they bought in the 1940s. They paid the mortgage off years ago. You inherit the house that's now worth £500,000. Your options are:

  1. Sell the house and put the money you make from the sale into a bank account or into investments earning 5% plus each year. You will earn at least £25k per annum doing this; OR
  2. Rent the house to a family in need. They can pay you 50% of the market rental which equates to £15k. You also now need to pay for the ongoing maintenance costs, landlords safety checks which the rent will of course cover in full with some money left over.

Are you subsidising the family in need to stay in your house or not just because the mortgage is paid and the house's ongoing costs are covered? What if you had other essential bills to pay and you were in a huge amount of debt like many councils are?

The comparison isn’t valid for two reasons which you’re conveniently ignoring. The first is that a basic tenet of social housing is that it’s not for profit. The second is that all council housing revenue accounts are by statute ringfenced and local authorities are not allowed to transfer funds from the housing account to the general account or vice versa.

Frequency · 29/06/2025 13:28

Money from social housing is ringfenced and cannot be used for other debts. That is what council tax is for.

Also, council housing isn't priced according to market rates; it is priced at the actual cost of letting a house, including loan repayments and maintenance costs. Just because the private rental market is over-inflated doesn't mean council housing doesn't pay for itself.

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