Comments that homeowners make to renters

[malificent7]

Here are a few gwms:

Of course homeownwrs take more pride in there homes and tidy them more (my rented house was messy as i was depressed)

Oh you SHOULD get a mortagage... with what? Peanuts@

The landlord cant even be bothered to tart up your kitchen... the doors ate hanging off. ( One door is sliggtly hanging off after being repaired repeatedly.

Its a shame that all your money is going to the landlord.

Aibu to find such comments very irritating?

[ThisIsStartingToBoreMe]

Thanks for your sensible answer scruffy - not earning enough to qualify for a mortgage makes sense.

[boreddrinker]

thisisstartingtoboreme that really made me chuckle 😂👍🏻👌🏻

[boreddrinker]

Stay put where?

[ThisIsStartingToBoreMe]

I'm just asking because I'm interested in what could possibly help my own kids get on the housing ladder (or not )

[ThisIsStartingToBoreMe]

Stayputwhere?

Well, where you were before you moved into your rented accommodation.

[boreddrinker]

Different people have very different circumstances. My own experience was I was having a baby and my parents chucked me out because they were pissed off with me and my then partner. Hopefully you had a better experience than I did.

[BadKnee]

We need a reasonable attitude to homes.

A mix of ownership and rentals

Owner occupiers and protection for owners - (planning etc)

Local Authority Housing - good quality and available for everyone

Protection for LAs so they can take action against bad tenants and are not forced to let to "problem families" or just anyone who pitches up.

Private rentals - houses, flats and HMOs as well as lodgings. All perfect solutions for certain times of life.

Better protection for tenants and landlords - it should be a reasonable exchange. I need a home - you need cash. You have space I have an income.

At the moment we have a real housing crisis but the solution is touted as "Build more" - that is not the solution. At all - but suits the big housebuilding companies.

[ScruffyTheJanitor]

I think the only way to help kids nowadays is to impress upon them the importance of education, university, decent qualifications and career goals.
they'll need to earn far more than the current average if they wish to own anything remotely decent.

UK Average: £26,500
Mortgage multiply (on average) 4 X yearly income: £106000
with a deposit of 10%
Rough guide Total: £116000

Theres not much you can get for £116000 nowadays and most of them in that bracket, as I found out, get snapped up by people who remortgage another house to buy it outright, then let it out for for £200 more than a mortgage would have been for the FTB.

[SapphireStrange]

Well, where you were before you moved into your rented accommodation.

Maybe parents or other family threw them out?

Or, less extreme, they just decided they were now grown-up enough not to want to live with parents. Not everyone can, or is inclined to, stay in a parental home as an adult.

[SillySongsWithLarry]

I own a flat. MIL is insistent that it's not proper home ownership because it's not a house and keeps asking when we will buy a house. There is no regard to my wages being about £22k and I live in the SE where the very cheapest house is £250k. She also thinks my SIL has done better in life because she owns a whole house up north, again disregarding that my flat is worth a lot more than said house.

[NoToast]

Do you mean starting why people didn't stay at home with parents?

I didn't stay at home because I went to University and then moved for jobs and other opportunities that weren't available in my home town. I also didn't get on at all with my parents at that age and they wouldn't have expected me to stay at home either. Most of my friends were/are in that situation.

Some of my other friends have come from very broken homes, parents dying, parents alcoholics, parents drug dealing addicts etc. and don't have family homes.

The friends I know who got homes early all had substantial deposits from relatively wealthy parents, the lowest I know was £25k the highest £500K, which is why they aren't renting.

[JoffreyBaratheon]

Build social housing. Build so much it becomes BORING and everyone can live in it - not just those who currently get the points because of various difficulties. Make it like it was after WW2. Build prefabs. Make them cheap. Drive down the cost of rent. Force these dodgy private LLs out of business.

But of course none of that will ever happen because there's no political will because politicians tend to be people who got on the housing ladder years ago, and now are also LLs...

I live in a council house (became a tenant at a time when many ordinary people chose council tenancies rather than buying for whatever reason). And have seen it get to the point where only drug addicts/DV families etc seem to get the new tenancies in these villages. It used to be just... anyone, really. I think this has been deliberate - attacking social housing by building no more and squeezing it to the point it gets a bad rep because of the kind of people who now get the tenancies.

I have had all sorts of bitchy remarks over the years. Most from my late unlamented MIL.

"Pull yourself up by your bootstraps!" (ie: BUY A HOUSE).
"Get on the property ladder!" (BUY A HOUSE! But, actually... No, you're not an actual home 'owner' for 25 years. Haven't you figured that out? This woman got a mortgage in her 50s).
And my SIL once made a pointed remark about us not buying something or other she deemed indispensible "Because you're in rented accomodation". That seems like a sneering kind of term, to me. You're in a falling apart Barratt house, mate.

[JoffreyBaratheon]

Maybe the renters should call the 'homeowners' the 'people who live in houses mainly owned by the bank'.

[Edhilaria]

Those of you who are renting and so can't afford a deposit on a property - what was the reason for you renting instead of buying in the first place? Genuine question.

Er, no deposit. Just graduated, nowhere to live whilst I saved up a deposit, rented a room in a shared house. Some of us don't have parents' houses to move back to so we have to get on with it.

[burdog]

I had a good landlord. Things were fixed quickly, and the letting agent couldn't be arsed to do inspections every three months like they were supposed to. If anything went wrong I rang the letting agency and it was fixed at no cost to me. Wish my own bloody house was like that!

[Fibbertigibbet]

Urgh, this is a real bugbear of mine.

My personal favourite was that I was asked by a colleague if I still lived at home (I was quite young at the time and most of my colleagues who were the same age still lived with their parents). I said that no, I didn't. She asked when we bought our house, and I explained that we rent a flat. She then proceeded to go on a rant that that was basically having never moved out of my parents' house.

At this point I hadn't lived with my parents for about 5 years, was married, living on the other side of the country, supporting myself AND my husband entirely with my salary, whilst my colleague and her husband were living with her in-laws! But they were in the process of buying a house so they were the ones who had "really moved out".

[MissClarke86]

I understand why people who are struggling to avoid a deposit rent.

I don't understand why people who can afford a deposit still rent (we have a friend in this situation).

Mortgage payments are significantly lower than renting in this country. I know interest on mortgages is high but at least some of it is buying something for you to keep, and at the end of a mortgage you own the property outright - renters will never stop renting or be rent free. It is also much more secure and you won't be asked to move house unless you want to.

It also means we can have pets which is a biggie for us. Really the only downside is if big things go wrong, but insurance can cover that easily.

I would never say anything derogatory to someone who has no choice in the matter, I feel for them in this system. The only reason we could buy was because sadly my grandparents passed swayed and very generously left us deposit money. But, I simply do think home ownership is preferable if you can do it.

[MarjorieSimpson]

Some of these comments are really not on (like the one about now tidying up as much when you are renting fgs).

The fact it is dead money, well it is. The difference between a morgage and renting is very much there. That is a fact but should not be used as a way to beat someone who is renting up.
As we all know, it is a struggle to get the money you need for a deposit. And it is made harder by the fact that renting is usually more expensive than a morgage (on a house of similar size).

[RichardBucket]

ThisIsStartingToBoreMe Well, you're in the right thread.

[53rdAndBird]

Well, where you were before you moved into your rented accommodation.

Uni accommodation, for me. I don't think they'd take too kindly to "well I'm not a student any more, but I'm going to stay here for the next ten years anyway to save up a deposit"

[NoToast]

www.bbc.co.uk/news/business-37508968

The above is interesting, but depressing reading.

MissClarke, I would shout bingo but you didn't mention dead money.

[ScruffyTheJanitor]

I don't understand why people who can afford a deposit still rent (we have a friend in this situation).

FWIW.
I ended up buying a house, well getting a mortgage.
worst thing I ever did. Trees need cutting, I had to pay. walls neded repair, I had to pay. Bath leaked and ruined the floor in the bathroom, I had to pay. Awful neighbours moved in, I couldn't sell and was stuck, penniless and miserable. When I sold it I moved into rented and never looked back.

Renting is my way of having the freedom to move anywhere I desire in this country, or even any other if I decided I wanted to. It means other people are responsible for repairs etc. Double glazing recently needed sorting as the windows were letting a draft in, it would have cost a few hundred, it didn't cost me a penny. New fire alarms, no cost. The boiler got serviced last week, didn't cost me a thing. I needed a wall re-plastering before I decorate, cost to me.. £Fuckall. If I get a neighbour I dislike, a month and i'm gone. etc etc.

There at pros and cons to everything in this life. Except a rhino attack, theyre pretty much just cons TBH.

[ThisIsStartingToBoreMe]

Richardbucket I don't understand your post. What do you mean 'your on the right thread'?

[JoffreyBaratheon]

I thought that phrase 'rented accomodation' (which I imagine said in a Hyacinth Bucket voice) had gone out 30 years ago which is when my SIL used it. Has it made a comeback? Maybe we should call 'homeowners' 'homes', 'Debtors' Accomodation'....

[TheTantrumCometh]

I was at a children's party at my friends flat a few years ago. The whole block had been updated so instead of the old fashioned balconies they now have an extra, albeit small, room off the lounge. Mainly all glass. It was beautiful. She'd been moaning that the building had taken ages but was pleased it was finally done. One of the other mums there asked if she owned or rented. When friend said they rented there was a head tilt and, "It's hard isn't it?" It was completely unrelated to the subject at hand.

My old neighbours thought they could treat us as they pleased because, "we only rent." That was actually said. Well, not to our faces in the passive aggressive notes they left everywhere for us to find. Yes because buying today's market is definitely the same as buying the 60's like you did.