Increase in Homelessness

[Alex50]

This isn’t going to end well, AIBU the government should still block evictions for non rent payments

www.bbc.co.uk/news/uk-politics-53797657

But what audience? There are are already houses for any audience to buy. There isnt a shortage of houses on the market.

Only an audience with a 10% + deposit. I’m talking about the people that don’t - being able to buy a home.

People in council houses can already buy their own house, at a much reduced cost to everyone else!!! And people in temporary housing can already buy, if they can afford it.

I agree with you regarding council tenants, they’re definitely in an enviable position. But people in temporary can’t afford it.. hence being in temp accommodation. They likely can’t even afford private rent in their area. These are the sorts of people who would benefit from fairer, cheaper housing.

Do you realise how much it costs the tax payer a year to keep people in temporary & emergency housing? The council are paying PRIVATE landlords, usually in excess of market rent, for a lot of the time their own properties initially, which have been sold on and are now being rented back to the council.

In disrepair and no where near as high a standard as the council impose on themselves. Giving these people, housed in these places, a foot on the ladder. How could that possibly cost more?

Unfortunately a lot of people have an ‘us & them’ mentality. If you’re on the right side of the fence, people don’t generally give a shit about the other side & unfortunately the minority of people are on the ‘shit’ side in this case.

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"18:11Eatyourbanana

"But what audience? There are are already houses for any audience to buy. There isnt a shortage of houses on the market."

"Only an audience with a 10% + deposit. I’m talking about the people that don’t - being able to buy a home."

So are you suggesting they dont pay a deposit? That would be up to the banks surely.

"People in council houses can already buy their own house, at a much reduced cost to everyone else!!! And people in temporary housing can already buy, if they can afford it."

"I agree with you regarding council tenants, they’re definitely in an enviable position. But people in temporary can’t afford it.. hence being in temp accommodation. They likely can’t even afford private rent in their area. These are the sorts of people who would benefit from fairer, cheaper housing"

But why should they have cheaper housing? that's not fair on anyone else, who have had to work and get a deposit. We already have a system of council houses and house poor people.

"Do you realise how much it costs the tax payer a year to keep people in temporary & emergency housing? The council are paying PRIVATE landlords, usually in excess of market rent, for a lot of the time their own properties initially, which have been sold on and are now being rented back to the council."

Yes of course, but it would be a massive additional cost if councils have to build or buy more properties.

"In disrepair and no where near as high a standard as the council impose on themselves. Giving these people, housed in these places, a foot on the ladder. How could that possibly cost more?"

You do realise how much houses cost? And how much deficit Councils are in? We are talking multiple millions. It's just not going to happen.

"Unfortunately a lot of people have an ‘us & them’ mentality. If you’re on the right side of the fence, people don’t generally give a shit about the other side & unfortunately the minority of people are on the shit side"

Unfortunately it's never right to just give people on the shit side more opportunities than those who have worked to be on the better side. Life just doesnt work like that.

@Heffalooomia

You think the average LL has more control over the housing market than Tesco have over the food market collectively landlords have purloined a large portion of the UK housing stock and pushed up the prices so that very few can afford to be owner occupiers

Except they haven’t acted collectively. They don’t own most of the housing stock and they don’t control the supply of new homes.

Eatyourbanana...think for example of all those A level students, who have worked hard to get good results to go on to further education and hopefully get good jobs and at some point try and buy a house, working their bums off and saving for a deposit.

Then compare them to those who dont bother and are happy to do lower paid work until they realise they cant afford to buy a house or even rent a nice house. Why should they get options to get accommodation and a step up to buy a house, when the people who have worked hard, havent. This is why your arguments arent fair. We already have a system where the sick and people unable to work, get housed.

@Orchidsindoors

I was just using these people as an example, people who will likely never be able to buy a property & are maybe seen as more of a ‘drain’ on society/taxes. The exact same applies (Maybe even more so) to working people/families in private accommodation.

As my PP said, you can pay 1k a month to your landlord but banks don’t trust you to pay £500pm for a mortgage. The only way you can prove this is by saving up 25k whilst still paying 1k per month to your landlord? The same landlord that owns their own property & is using your top up to pay their own mortgage?

This is why landlords are seen as saviours who give people a home! They want their own home!

This is why landlords are NOT seen as saviours who give people a home! They want their own home!* sorry typo.

@Orchidsindoors quite agree with your PP. But I’m seeing it as less of a help them & more of a help society.

People come from all walks of life & some people simply aren’t brought up be capable of becoming ‘successful.’ Or ‘financially successful.’ That doesn’t mean they don’t deserve the right to own a home, for their family. Providing they are willing to work for it, even if it is for NMW.

Also a lot of essential jobs are poorly paid.

"As my PP said, you can pay 1k a month to your landlord but banks don’t trust you to pay £500pm for a mortgage. The only way you can prove this is by saving up 25k whilst still paying 1k per month to your landlord? The same landlord that owns their own property & is using your top up to pay their own mortgage?"

But that's the fault of the banks, not the landlords. And instead of paying 1k a month, look for a cheaper house to rent, then you have more to save. Saving for a deposit is hard for everyone. If there were no landlords (because as suggested only able to have one property), where do all these people live. None of this makes any sense. If you brought in this rule tomorrow, landlords would all have to sell, meaning too many houses on the market, and house prices go down...but what about all those people who own properties already with massive mortgages and go into negative equity.

"People come from all walks of life & some people simply aren’t brought up be capable of becoming ‘successful.’ Or ‘financially successful.’ That doesn’t mean they don’t deserve the right to own a home, for their family. Providing they are willing to work for it, even if it is for NMW."

Yes, I agree, of course they should have a home. But not just given to them, as that makes it unfair for everyone else. Home ownership is nice to have, but not a must have. A massive percentage of our parents and grandparents all rented all their lives. They didnt need to own their home and neither does this generation.

@Orchidsindoors

A house price drop would be seen as a good thing by many people. Particularly young professionals, who have done everything right but can’t buy a house, due to high prices. I was out with a lovely bunch of highly educated young professionals last year, half of them said they’d considered voting Brexit purely for a drop in house prices, no other reason.

For the landlords on here who are feigning ignorance of the contempt with which renters are viewed clearly you did not read previous landlord threads on here in which your fellow LL bragged about not letting benefit recipients or families rent from them. I have read enough on here and heard enough in real life from politicians and landlords to know the snobbery and contempt is real. Majority of people who receive top up benefits are in work (ironically often the essential work needed during a pandemic) and pay taxes. But no they are just lazy feckless stupid people right?

I would love to see a change in who can become a landlord and actually make it a profession requiring background checks and qualifications. Also if someone wanted to become a landlord and got a loan from the bank they would have to prove they have a business plan just like any other start up.

Let's gets rid of accidental landlords. As for pp who said what happens to their elderly parents if they sell the house? Well you use the proceeds to fund care. You are not protecting your parents house, you are protecting your inheritance. Let's not pretend here.

Wow have we gone back to the Victorian era by the comments on here, next people will be suggesting the work house for those pesky people who are to lazy to better themselves.

But that's the fault of the banks, not the landlords. And instead of paying 1k a month, look for a cheaper house to rent.

I was born & live in Brighton. Have a look on rightmove (if you can be bothered) for any 2 bed property for less than 1k per month, I doubt you’ll find one. Then of course ‘move out of the area, some where cheaper’ will be churned out... but Brighton still needs, cleaners, bin men, waitresses, shop assistants... these people deserve to be able to live where they work, where all there
family/friends are, where they call home.

Yes, I agree, of course they should have a home. But not just given to them, as that makes it unfair for everyone else. Home ownership is nice to have, but not a must have. A massive percentage of our parents and grandparents all rented all their lives. They didnt need to own their home and neither does this generation.

Honestly, I disagree. I think a working house hold should be able to own their own home. Not be paying the mortgage on a landlords 2nd or 3rd.

I mentioned it earlier but what happens in the next few decades when generation rent reaches the age of retirement or being no longer physically able to work full time? Private rent takes up a huge chunk of a full time salary, are people really going to manage to pay it with pensions? Is the benefit system going to be able to afford such a large bill?

@GoshHashana

I would counter that landlordism is theft.

Is all business theft then?

I cannot summon an ounce of sympathy for people who already own going into negative equity. I’m in the process of buying a property myself and I still want to see a crash! Once I own, I’m sorted, I’m in a better position than many people and my home is secure. I want a crash to help everyone else

@LakieLady we have no mortgage on the property so we are under no obligation to do anything. We rented it out briefly for a year or so and it was more hassle than it was worth between tax and agency fees we actually made very little profit. We intend on selling it but haven't got round to it yet.

“But why should they have cheaper housing? that's not fair on anyone else, who have had to work and get a deposit. We already have a system of council houses and house poor people.”

I can’t with the stupidity of this statement. This is like saying “but I have to work to afford food! Why should people who don’t/can’t work also get to eat?”

Just pointing out that not all social housing tenants get the right to buy. My housing association tenancy certainly doesn't come with it.
Not that it matters - I'm on long term disability benefits anyway so I don't think I would ever get mortgage approval or be able to save enough for a deposit in my situation.

Also aren't most waiting lists for social housing long to the point of being bloody useless?

@startrek90

For the landlords on here who are feigning ignorance of the contempt with which renters are viewed clearly you did not read previous landlord threads on here in which your fellow LL bragged about not letting benefit recipients or families rent from them. I have read enough on here and heard enough in real life from politicians and landlords to know the snobbery and contempt is real. Majority of people who receive top up benefits are in work (ironically often the essential work needed during a pandemic) and pay taxes. But no they are just lazy feckless stupid people right?

I would love to see a change in who can become a landlord and actually make it a profession requiring background checks and qualifications. Also if someone wanted to become a landlord and got a loan from the bank they would have to prove they have a business plan just like any other start up.

Let's gets rid of accidental landlords. As for pp who said what happens to their elderly parents if they sell the house? Well you use the proceeds to fund care. You are not protecting your parents house, you are protecting your inheritance. Let's not pretend here.

I am a clerk, not an agent or a landlord, so I see both sides and dislike them all equally! I might have a more up to date knowledge, because it becomes a de facto part of my job when I get dragged into disputes!

I doubt m/any landlords would feign that ignorance, but would counter with the opposite, which many posters just don't seem to acknowledge, shitty tenants. I see the effects f them afr more than I d of crap landlords - though I do see both.

Conversations here seem to include landlords explained that historically they hadn't been able to rent to anyone claiming bnefits as their mortgage lender and/or insurer wouldn't allow it. That bragging has, as far as I can see, been a larger discusssion about this resitriction now being lifted by most major enders and most insurers, Many landlords advising others to check with their lender; some recounting horror stories about being left in the lurch having rented to someone on benefots and others telling far nicer tales.

What you want is slowly becoming a reality - pushed for by landlords and their Associations. Many of the more accessible landlord forums ALWAYS signpost training courses and are scathing of any landlord who doesn't take them up!

They dislike accidental landlords too. But you have to accept that they will exist.. or are you suggesting that when 2 people who own start to cohabit one of them MUST sell their home, leaving themselves nowhere to go if it all goes wrong - as that will mainly be women, as many threads here attest.

What about peple who go abroad for a year for work or travel? Or many other scenarios...

And yes... As for pp who said what happens to their elderly parents if they sell the house? Well you use the proceeds to fund care. You are not protecting your parents house, you are protecting your inheritance. Let's not pretend here. That, with knobs on!

"Once I own, I’m sorted, I’m in a better position than many people and my home is secure. I want a crash to help everyone else"
Even people with a mortgage arent really home owners, the bank owns their home really, until the mortgage is paid.

@startrek90
For the landlords on here who are feigning ignorance of the contempt with which renters are viewed clearly you did not read previous landlord threads on here in which your fellow LL bragged about not letting benefit recipients or families rent from them. I have read enough on here and heard enough in real life from politicians and landlords to know the snobbery and contempt is real
I don’t doubt that it is from some quarters. But not all. I have been a renter and am now a landlord. I rent how I wanted to be treated.