To think that if you private rent your life should not be dictated to by the landlord whose mortgage you are paying

[Nursejackie1]

So many of us are stuck in private renting with no choice paying over the odds, while landlords are making a mint. Most landlords have all these rules that you can’t decorate without permission, can’t even put a wall hanging up without asking. Often can’t or need permission to have pets, have regular inspections. I pay loads for my home and due to that cannot save a deposit. My kids have never had their bedrooms decorated in the way I would like.. having to stick with plain magnolia. Why should somebody else decide whether my kids get to grow up with a family pet or not? AIBU to think that if you are paying somebodies mortgage for them then while you are in that house you should be able to treat it as your own within reason and not have your life dictated to and controlled by them?

White goods and flooring is normal but most UK rentals are unfurnished.

Are you posting from 1998?

No, but you obviously are, because you clearly have no idea that there are many 100% mortgages are available today.

Yes but I wasn’t comparing a landlord to a tenant. The comparison came from the op, rich landlord vs other kind of landlord.youve clearly got your own agenda which is blinding you from any sensible discussion so I’ll stop trying. There are many other people on here with differing opinions to you. That’s life.

Can someone show me where you can get a 100% mortgage nowadays without a guarantor/family deposit (ie. bank of mum and dad)?

www.money.co.uk/mortgages/100-mortgages.htm?track=885127&gclid=EAIaIQobChMI3P66-bO54gIVC5ztCh3qMA1mEAAYASAAEgIoi_D_BwE

All those are for existing borrowers, not first time buyers, except the first, which requires a family deposit (effectively a guarantor)

It says you may need one, not that you do need one.

Also plenty of 95% mortgages available.

You're right, you may not need a deposit if you have a guarantor (ie. bank of mum and dad).

Also, a 95% mortgage will require a deposit of £11k to access an average first-time buy (a lot more if you live in may big cities or the south east). That's more than six months' salary for lots of people. Try living on £18k a year and sticking away £11k whilst at the same time getting ritually arse fucked by your private landlord.

This is going to sound harsher than it's meant, but a lot of people from middle class backgrounds have no real sense of the financial metrics of most people's lives.

"ritually arse-fucked by a private landlord?"
In what way? By being required to pay (market-rate) rent for the property you are living in?

I totally get what you mean about saving a deposit whilst paying private rentals. That's why you need to buy before you fall into the having kids/paying private rents/leasing cars lifestyle.

Because, even if you did manage to save up a deposit in those circumstances, you still wouldn't pass the affordability checks whilst paying for children or childcare etc, unless you're very wealthy.

So, if you're not a high earner, nor do you have wealthy parents, then buy first, before you have kids. Or if you have to rent somewhere, rent with a friend to keep the cost down.

NotSuchASmugMarriedNow1, how exactly do you think people would be able to buy before they start privately renting? Where are they going to live while saving?

"When you rent, you don't need to worry about half of this shit.
When you own, you do"

When you own you dont need to worry about the landlord/HA sending in their cheap cowboy contractors of choice Shoddy or dangerous workmanship from contractors you have no control over and being threatened with lawyers (Grenfell) when you dare to speak up.

When you rent you do.

That's why you need to buy before you fall into the ...paying private rents/leasing cars lifestyle.

Where are these people meant to live before they've saved up their deposit then? There are next to no council houses and flats. Some may be able to stay with their parents but many won't, particularly if they've had to move to find work. How are people meant to travel to their low-paid, irregular-hours jobs without access to transport?

^When you own you dont need to worry about the landlord/HA sending in their cheap cowboy contractors of choice Shoddy or dangerous workmanship from contractors you have no control over and being threatened with lawyers (Grenfell) when you dare to speak up.

When you rent you do.^

Yep.

This is going to sound harsher than it's meant, but a lot of people from middle class backgrounds have no real sense of the financial metrics of most people's lives.

^This. This is what it boils down to. All this sage advice from people who do not have a clue how those that are less-financially well off live. Either that, or they seem to think people who are poorer than they are have mismanaged their money and just need a little financial planning advice. All the financial planning in the world isn't going to help someone whose earnings mean they fall below the income necessary for basic living.

Yeah, you're right. Just rent then.

We need the rental market to be social/council owned

So when we sell our house and I need to go into rented because we haven’t found something suitable the council will give us a house to live in for a few months?

You do realise that a lot of the housing stock that is classified as council housing is actually privately owned and the council lease it from the owner for a number of years and pay rent to the private LL

StarCutterCookie you might not want to count on the council paying a "market price" for property. On a not dissimilar thread it was suggested there should be compulsory purchase of homes at a price of their choosing, or even outright seizure of long term empty properties

In other words state theft ... to say nothing of the chaos if an incompetent LA seized the wrong ones. Naturally I can't speak for others, but we have a justified saying round here for absolutely anything our LA attempt:
"It'll take 5 times as long as they say, cost ten times as much - and it won't work"

Imperfect as the system is I'd rather take a chance on a private LL than this lot, thanks all the same

Sharehouse. Not glamourous, but if you want to save for deposit but can't live with your parents, it's a solid option.

So....... let’s just say for example that the Government made it so difficult to be a landlord that all landlords sold up their properties and no private rentals existed. Along I come having just parted ways with DH, two DCs in tow, don’t have a deposit to buy but because I work f/t and earn a decent wage, I don’t meet the priority criteria for social housing, and tbh there are thousands like me all now queuing for social housing too so massive increase in demand for SH. Where would I go? What would be my options? Interested to see what people would suggest who think landlords should be banished from the face of the earth.

Those that want to banish private landlords what would happen to those people who have rented through the council and need to be evicted because the owner need to sell their house because they cannot be Landlords.

Interested to see what people would suggest who think landlords should be banished from the face of the earth.

I don't think landlords should be banished, but I do think the private rented sector needs to shrink a lot. I would want this to be achieved by more investment in social housing, not by everything else staying the same but landlords sent away to the gulags. I don't think most people do want that.

There have been rules and regulations brought in that have started to shrink the rental sector.

The result is the cost of rentals has gone up.

Shrinking it further will mean supply and demand will go through the roof

The only thing that will bring the cost of renting down is more social housing.

Locally here in the last 14 months there has been 100 new social housing properties, I think around 25 mid rent properties and there are more in the offing.

That means that two parts of the renal market have been massively hit - the absolute dumps and the over priced.

That's not the result of more regulations on private landlords, that's the result of rising house prices.

Shrinking it further will mean supply and demand will go through the roof

That's not what supply and demand means.

People need homes. If some landlords sell the ones they own, the homes themselves don't vanish.