I'm just looking for some advice, or for someone to point me in the right direction for advice.
12 years ago my parents bought a house and encouraged me to do it with them. I lived there for 6 years. It wasn't that I was still living at home and paying rent each month. It was supposed to be an investment for all of us. My name was on the mortgage. Each month I paid half of the mortgage and they paid the other half. They told me that when it came time for me to move out and buy my own place they would sell the house, downsize, and give me back the money I had paid in so that I would have a decent deposit and a good credit rating.
Well I got pregnant and they told me I needed to move out and be a family unit with my DP. They said it wasn't a good time to sell but they would keep an eye on the housing market and when the right time came they'd do it.
I'd put most of my wages in to the shared house, so that + a disastrous move abroad for a job that fell through only a few months later meant my savings were depleted. I didn't have enough for a deposit for a house in the area so I started renting.
I'm still renting. While I have not struggled to pay rent or bills, I don't have any debt etc., I have struggled to save a deposit on my own.
In desperation I asked them if they'd consider being guarantors for me. They said no, it's too risky for them. I must be irresponsible with my money if I hadn't managed to save a house deposit in the 6 years I've been renting. I tried to show them all of my financial information but they didn't want to see it.
I'm almost 32 now and I'm terrified of renting forever. I hate it so much.
Maybe I am being an absolute dickhead and a horrible, greedy daughter but I think that if my parents had said that the money I paid each month was actually rent and the house was theirs alone I would not have taken them up on the offer. They feel that I'm being incredibly unfair and cruel to them, expecting them to sell a home that they love.