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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

I should have the right to buy from my my to let landlord after 6 years here

533 replies

chocolatekatie · 17/05/2015 07:19

No government will ever do it as loads of them are into buy to let hence why they do all they can to prop up the bubble.

My landlord thinks he's some businessman doing me a favour by letting me live here. Actually he's the problem, he just had money so can afford to buy up property - push up the price and force people like me to rent.

OP posts:
Thymeout · 19/05/2015 10:13

Lotus - politically, we are at opposite ends of the spectrum.

How about the state imposing financial penalties on developers who've bought up land for building and are warehousing it to maximise their profits?

suzannecanthecan · 19/05/2015 10:34

'I am probably one of the hardest worker on mumsnet and that's my choice'

really lotuslight?
do you dig ditches from sun up to sundown?

suzannecanthecan · 19/05/2015 10:35

and isnt work for fools and horses?

HoneyDragon · 19/05/2015 10:47

EVERYONE on Mumsnet is the hardest worker in the world ever, the rich ones just got lucky, and the not rich ones are persecuted by the evil rich ones. I think this is written on a stone tablet and buried under MnhQ its so entrenched in the Mumsnet conciousness Grin

ReallyTired · 19/05/2015 10:49

There is a certain level of commerical actumen in choosing a good property for buy to let. Buying at the right time and and in the right area is a mixture of luck and judgement. Many buy to let landlords have risked their own property to raise the mortgage to buy the first houses in their property empire. I think that many buy to let landlords face financial ruin when the interest rates return to normal.

I am concerned for tenants who suddenly find themselves homeless with little warning because the landlord has defaulted on their mortgage. Maybe they are people who should have a right to buy in a repossession situation. If the tenants cannot afford a mortgage then maybe the council should be able to complusory purchase repossessed properties to prevent good tenants being made homeless with little notice.

LotusLight · 19/05/2015 10:50

I didn't make the comment lightly. I have worked since 1983 full time and not had maternity leaves. I work about 7 days a week most weeks and start around 6 and end in the evening. I do intersperse that with some home/child things but I think my working hours probably exceed most people's particularly averaged over 32 years. I don't want a hero's medal. I'm a filthy little dirty capitalist, some might say. I am also not interested in a competition over who works hardest but the reason the point is relevant is some of us ( amazingly the ones who earn the most and are most likely to own a property) work harder than others and that pays off.

Thyme - the state can do as it choose. The people have made the right choice with the Tories, thankfully (and thanks also go to UKIP and SNP for that - we shall not forget the gift the gave to the nation in stealing the Labour vote) but even the wet and in my view fairly left wing Tories have made stupid commitments to spend spend spend so will probably have to find new ways to tax as they seem very keen on a massive state just like Labour.

suzannecanthecan · 19/05/2015 10:59

?You may work long hours Lotus but unless it is relentless and grinding physical toil I don't think you can claim to be amongst the hardest of workers ?

slippermaiden · 19/05/2015 11:08

I have a flat that I rent out, I used to live in it and when I moved in with my partner I rented it out incase things didn't work out with him. It basically pays the mortgage, there is no profit. Does that make me a bad person?

YouMakeMyHeartSmile · 19/05/2015 11:09

So true Honey.

suzannecanthecan · 19/05/2015 11:19

Perhaps Lotus you have been one of the most fervent in your pursuit of personal enrichment?

LotusLight · 19/05/2015 11:21

You mean handing money to 5 children an ex husband......and of course my biggest recipient of all - the UK tax payer? I hope they are all grateful. I have no savings.
You could say by not living off either state benefits or a husband as even most mumsnetters do I am the foolish way and the route of reliance on others for meal tickets might be the wiser route... who is to say? I never liked that bit in the bible though about those lilies of the field who neither sow or reap because God provides for them but perhaps that is what does us all the most good a life of reliance on the state or living off male earnings......

LotusLight · 19/05/2015 11:23

Here is the quote ideal for the kept woman and the benefits scrounger and communist.....

"Do Not Worry

(Luke 12:22-34)

25Therefore I say unto you, Take no thought for your life, what ye shall eat, or what ye shall drink; nor yet for your body, what ye shall put on. Is not the life more than meat, and the body than raiment?
26Behold the fowls of the air: for they sow not, neither do they reap, nor gather into barns; yet your heavenly Father feedeth them. Are ye not much better than they?
27Which of you by taking thought can add one cubit unto his stature?

28And why take ye thought for raiment? Consider the lilies of the field, how they grow; they toil not, neither do they spin:
29And yet I say unto you, That even Solomon in all his glory was not arrayed like one of these.
30Wherefore, if God so clothe the grass of the field, which to day is, and to morrow is cast into the oven, shall he not much more clothe you, O ye of little faith?
31Therefore take no thought, saying, What shall we eat? or, What shall we drink? or, Wherewithal shall we be clothed?
32(For after all these things do the Gentiles seek:) for your heavenly Father knoweth that ye have need of all these things.
33But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.

34Take therefore no thought for the morrow: for the morrow shall take thought for the things of itself. Sufficient unto the day is the evil thereof."

That is probably the opposite of my views so don't say I am not happy to set out the contrary position... all good fun.

YouMakeMyHeartSmile · 19/05/2015 11:23

How do we define 'working hard'? I used to work 70 hour weeks in finance (for which I was paid well). It was fairly stressful work in the sense that the stakes were high. However I was sat mainly at a desk in an air conditioned office with constant access to refreshments, colleagues around to chat with if we had a spare minute etc, I wasn't down the mines or pulling a plough with my bare hands!

suzannecanthecan · 19/05/2015 11:27

So you worked all the hours god sent but have nothing to show for it?
That sounds very upsetting Lotus :( ?

HoneyDragon · 19/05/2015 11:27

You'd work harder Lotus if you managed to refrain from merailing quite interesting threads Wink

DamnBamboo · 19/05/2015 11:37

*I should have the right to buy from my my to let landlord after 6 years here

No you shouldn't any YABVU.

Anything else?

Damnautocorrect · 19/05/2015 11:46

The hard working thing has always confused me.
I've never believed for most the figure earnt actually equates to how 'hard' you work.
It's down to carer luck, choices, skills and opportunities you've gained or been born with.

I know bloody hard working people on 18k a year, physically and mentally. I've also seen the directors (and people on the path to that) who will or do earn the 6 figures and I can tell you who I'd consider worked 'harder'.

Not everyone is born with the same skills and that's a good thing as we need the vocations as much as the academics and 'schmoozers'. But there's no way people should work hard to find their wages having to be topped up.

notauniquename · 19/05/2015 11:54

The idea that you put forward that you're the hardest working person there is, and if everyone else just worked a little harder then they'd be just as sorted as you is crazy stupid and wrong. I'd actually go as far as to say that it is just plain ignorant.

I don't wish bad things upon people, but for a lot of people on this thread, I almost wish that they'd have an accident, nothing too serious, just enough so that they couldn't work for a couple of years, eat through their savings, get behind on the mortgage... start from nothing, in a rented house, and see how easy you find it! I have a funny feeling those people would soon be

but you don't need to do that,
you can look at your pay packet and how much you have left at the end of the month. that small amount that you have in the last few days, imagine that's all you had to save. how long would it take you to save twenty thousand pounds for a deposit?

ReallyTired · 19/05/2015 11:57

I don't think that the concept of a kept woman, benefits scrounger or communist existed when Jesus preached the sermon on the mount.

"Today is the tomorrow we worried about yesterday." ~Author Unknown

"Worry never robs tomorrow of its sorrow, it only saps today of its joy." ~Leo Buscaglia

"I've developed a new philosophy... I only dread one day at a time. ~Charlie Brown (Charles Schulz)"

I don't want to work all hours that God sends. Unless you really enjoy your career that seems to me a pretty pointless way to spend your life. Not many people lie on their death bed wishing that they had spent more time at the office and less time with their kids.

I don't think that Lotus has nothing to show for working hard. Having five sucessful happy children is quite an achievement. In a few year time she will be a grandmother and have all the advantages of children without the bad bits.

Being philosophical, we only live in any property for a finite length of time. Does it make a lot of difference whether we pay interest on a mortgage for 25 years or pay a landlord? Some of us reading this thread might be dead in 25 years time.

I feel that making landlords keep their properties to an acceptable standard should take priority over any other rental legistation.

suzannecanthecan · 19/05/2015 11:58

?If we all voraciously pursued wealth it would raise the bar, there is only a very limited amount of room at the top?

ReallyTired · 19/05/2015 12:01

notauniquename,

You must be a pretty bitter and twisted person to wish an accident on anyone. How can accident not be too serious yet prevent someone not working for a few years? Actually you know very little about people the people on this thread. How do you know that they have not suffered a serious accident/ illness?

I hope that no harm comes to you or your family, even if you wish harm on me. I wish you every happiness in life.

ReallyTired · 19/05/2015 12:08

"If we all voraciously pursued wealth it would raise the bar, there is only a very limited amount of room at the top?"

Not necessarily. We just have to organise ourselves better. Sadly I don't think that the human race is going to ever stop fighting.

Univesal education raised the wealth for everyone as we became more productive as a nation. To house everyone need to use to use the whole globe rather than crowding everybody into London. We need to organise employment so that the whole of the UK has access to interesting and full employment. That is why I voted conservative as I believe that they have the best policies to achieve this. (Ie, HS2 and improving our education system.) We also need to look outwards as a country to improve the lot of those in the developing world. Education is the only way to promote world peace and prosperity.

TheChandler · 19/05/2015 12:46

suzannecanthecan ?You may work long hours Lotus but unless it is relentless and grinding physical toil I don't think you can claim to be amongst the hardest of workers

YouMakeMyHeartSmile How do we define 'working hard'? I used to work 70 hour weeks in finance (for which I was paid well). It was fairly stressful work in the sense that the stakes were high. However I was sat mainly at a desk in an air conditioned office with constant access to refreshments, colleagues around to chat with if we had a spare minute etc, I wasn't down the mines or pulling a plough with my bare hands!

Are we really still stuck in the old fashioned, sexist mindset that hard manual labour is the hardest work there is? Is this not why we have at last cases which have decided that female employees doing "like work" to male employees at Manchester City Council are entitled to back pay?

I've done both - as a student, at weekends and the holidays I worked with animals, literally shovelling shit, plus handling them, which was dangerous. You get used to a certain level of physical toil after a while, its not that bad. It was certainly far less hard work than being a lawyer in a city centre private practice firm, under constant stress to meet fee targets, always be on the ball, never made a mistake, etc.. There was no downtime as with the more manual work, every single thing was really difficult mental effort at a high level, every minute of the day you are expected to be on the ball. And its a long day, and often weekends too.

I'm not saying some people don't work hard in manual jobs, but there are a lot of slackers, and we aren't in most cases describing people who actually labour in the fields (mainly done by immigrant temporary workers) or physically shovel coal - its more button pushing, interspersed with some occasional heavy lifting. People in rural jobs probably do work harder, but I don't think amount of physical effort is that a robust delineator of who works the hardest. Mental effort and taking risk can be far harder.

Trades - yes, hard manual work but also skilled, so its not simply heavy lifting or shovelling all the time. That's why we pay more for even skilled manual work. Roofing work is hard but its also precise, ditto joinery and plumbing. Painting and decorating can be pretty hard on your shoulders and back, but its not all that hard.

Maybe btl is popular because it means that people in office jobs get to use their manual labour skills to do something useful outwith the normal limits that they would otherwise be subject to? I have physically cleaned outgoing tenant's dirt that they have kindly left behind (contractors are the best, they leave places CLEAN), I have spent 5 hours on my hands and knees cleaning ingrained dirt in one kitchen floor. I've painted, tiled and grouted. DH does plumbing, although he is an office worker. I'd rather use him than someone out of Yellow Pages because he is good. The two aren't mutually exclusive!

TheChandler · 19/05/2015 12:56

notauniquename I don't wish bad things upon people, but for a lot of people on this thread, I almost wish that they'd have an accident, nothing too serious, just enough so that they couldn't work for a couple of years, eat through their savings, get behind on the mortgage... start from nothing, in a rented house, and see how easy you find it! I have a funny feeling those people would soon be

I think this rather unpleasant post sums up the thread title quite well.

You have no idea what people have gone through to put themselves in the position that you dismiss so readily, or what they may have gone through to pay their mortgage. Most of us started in rented houses anyway, or rooms, because that's what you do when you have to leave the family nest for work in another town or city.

Incidentally, I know quite a lot of people who seem to give up their jobs and not work. They don't claim benefits either (I don't think, not really my business). They either seem to live off inheritances or off parents or partners. People in their thirties and forties with no children. Strangely enough the ones I know are all men. Maybe they see little point in working too hard, because they won't achieve a much better standard of living, once they have worked for long enough to qualify for a small mortgage to buy a flat? Disclaimer - none of them are landlords!

YouMakeMyHeartSmile · 19/05/2015 13:04

No TheChandler I wasn't saying that physical work is the hardest work there is. I was just asking how 'hard work' is defined. I thought I worked hard when I was doing 70 hour weeks in finance but I don't have much to compare it to other than waitressing/shop work when I was at school and uni. In fact I find looking after a toddler the hardest work I've done, it's relentless!