To think rent is so bloody unfair

[Tar19891]

My rent is 800 per month. A mortgage on the same value flat would be 450 per month. Not in London obviously. It’s not fair is it?

Me like many other landlords offer a roof over people's heads who would otherwise be homeless, all this with more work and much less return.

Wow, I'm going to nominate you for a Pride of Britain award!

Haven't read all 30 pages but it does seem as if this is a big issue:

*The issue is that a bank wont give a mortgage with repayments of £800 a month to a person who has been paying £1500 a month in rent and can prove it.

It IS insane!*

Is it beyond the realms of possibility that someone somewhere could come up with a scheme saying, "you have no deposit BUT can clearly afford payments of much more than the mortgage amount we would require if you did have a deposit of x amount. So we will offer you a mortgage where you continue to pay the amount you have been paying on rent, with the difference being put aside iin order to build up that deposit." I'm sure someone could do something around admin fees, terms and conditions etc if someone wanted to move, lost their job or income dropped, but wouldn't that be a decent starting point? At least then people would be paying towards something tangible rather than nothing they own. In the example above, the renter would have "saved" £8400 in the course of a year. Not 10% but a good starting point.

I love it.

We "offer a roof over their heads otherwise they would be homeless"

You are delusional. Your sense of morality is so competely off-kilter.

You are akin to a parastic organism in the UK.

You are not benign. Stop trying to gaslight people.

Smart people see right through your BS.

Yes, it’s social work @vivainsomnia. Why don’t you change your user name to Mother Theresa?

It's called having a social conscious! 😆

@vivainsomnia

More social housing. Jesus, this thread just goes round and round n circles. If only people would read it before posting Don't be silly! Lose all the tax the government gets from Landlords. Have to cope even more with all the crap that comes with shitty tenants. Nah, any government solution is to pass it all on to private landlords. They are getting a good deal from us!

No, I own shares. I don’t compare it to going to work, though
No of course not. You don't get calls at 10pm on Sundays to be told there's no water in the property. You don't need to arrange visits for trade people, deal with renting agencies who only care to do as little as possible. You're right, your investment is much less work and hassles. It only benefit you only.

Me like many other landlords offer a roof over people's heads who would otherwise be homeless, all this with more work and much less return. And yet the lines of you see themselves as all mighty and critical of those who do have some social conscience. How ironic!

Go on - you say it’s a ‘good deal’ you offer to the treasury. Back it up like I was asked to yesterday with numbers. We know the housing benefit bill is £22 billion. £22 billion could easily be used to purchase on the open market around 100000 very decent homes for social housing per year, which would then be state assets and produce a rent for the treasury.

Back up your assertion that you lot offer value. Yesterday I estimated that at best, you lot are covering a third of the bill through taxes. And that was very obviously generous.

@rugbunch

I think it's unfair that if you lose your job and rent, benefits pay said rent for you...if you lose your job and have a mortgage you get nowt...how fair is that...if you work you pay the same tax regardless if you rent or buy, but you can't claim help....shit unfair scheme isn't it!

Is it? Id rather be the owner of a house who lost my job rather than relying on benefits to pay my rent. I would have more options as an owner.

The only option is to get another job...quick! You don't pay your mortgage you become homeless.

The only option is to get another job...quick! You don't pay your mortgage you become homeless.

But renters don't necessarily get paid enough in benefits to stay in the property they are in either.

I'd still be entitled to benefits if I lost my job, no reason why I can't use that towards my mortgage (if I didn't have savings or insurance) or switch to an interest only mortgage. I also have the option of selling my home & buying something cheaper.

Yesterday I estimated that at best, you lot are covering a third of the bill through taxes. And that was very obviously generous.

And it was pointed out to you that there was no reason to expect landlords to pay for the accommodation of those who can't accommodate themselves. This is your own nonsense!

@Jobseeker19

I have yet to meet a landlord who pays insurance.

Hi, I'm a landlord. Nice to meet you

That's one now at least.

@WulyJmpr

Sounds almost identical to my situation, although I manage the house myself.

I've had two long term tenants from mainland Europe who had no intention to settle or buy here.

This is the scenario that anti landlord people never really address when criticising. I've rented from private landlords when younger or working away. I'm not sure what the alternative would be without some kind of state run scheme but anything involving the government would be utterly useless.

Me like many other landlords offer a roof over people's heads who would otherwise be homeless, all this with more work and much less return

Loads of you don't. Disabled or single mum domestic violence victim abuse or homeless cos landlords turn away benefits except if illegal slum landlords. This is why domestic violence murders happen.

@nosafeguardingadults

Me like many other landlords offer a roof over people's heads who would otherwise be homeless, all this with more work and much less return

Loads of you don't. Disabled or single mum domestic violence victim abuse or homeless cos landlords turn away benefits except if illegal slum landlords. This is why domestic violence murders happen.

That roof would still exist though. Someone might be paying their own mortgage for it instead of someone elses....

think it's unfair that if you lose your job and rent, benefits pay said rent for you...if you

Think mortgage people should get housing cost help too so not homeless but you try getting a legal safe home on benefits. Loads of landlords don't take benefits and also benefits often lots less than rent. This is real reason why domestic violence victims don't leave & get murdered or suicide or ongoing abuse and injuries cos no safe rehousing. If was social housing would be safe & less domestic violence murders.

[quote Lunar27]@WulyJmpr

Sounds almost identical to my situation, although I manage the house myself.

I've had two long term tenants from mainland Europe who had no intention to settle or buy here.

This is the scenario that anti landlord people never really address when criticising. I've rented from private landlords when younger or working away. I'm not sure what the alternative would be without some kind of state run scheme but anything involving the government would be utterly useless.[/quote]
Yes it's an inconvenient truth that doesn't fit the cardboard cutout evil landlord rhetoric. I guess our country just wouldn't get overseas workers coming over very sadly as they're not going to bee able to afford to stay in holiday lets/air bnbs for months on end.

It really takes the biscuit that landlords are now being blamed for murders in this thread. Divide and conquer is what our government do best and while everyone's busy burning landlords at the stake, the Tory MPs sidle off hoping no one notices their failure to fund appropriately shelters and council housing.

...and new housing full stop.

Me like many other landlords offer a roof over people's heads who would otherwise be homeless, all this with more work and much less return. And yet the lines of you see themselves as all mighty and critical of those who do have some social conscience. How ironic!

Why would they be homeless? If landlords hadn’t bought the houses they’d be lots of housing stock and prices would be affordable.
Of course not everyone is in the position to buy but it’s impossible to find a “first home” in the SE that’s not bought to rent out.

and while everyone's busy burning landlords at the stake, the Tory MPs sidle off hoping no one notices their failure to fund appropriately shelters and council housing

You didn’t read the thread, did you? We know the problem is a lack of social housing. And we know why.

There are two types of people in this world. Those who think landlords are price-gouging parasites, and the landlords perpetually surprised that everyone despises them.

Me too. It's absolute shit. We should all be able to live in London, one of the most expensive capitals in the world to live.

It shouldn't be fucking most expensive city and we Londoners didn't ask for or want that and not our fault. It's very bad and shit for us. You right not everyone needs to live in London but disabled vulnerable especially not young domestic violence victims and other vulnerable should be able to stay in their home city cos support and familiar area fucking important and vulnerable everywhere else allowed it.
Also person you replying to also should be allowed to stay cos family and support and very important. Why aren't London people allowed to have support and family and familiar area and nowhere else wants us anyway cos have prejudices about Londoners and 100% true cos was nasty people when was in refuge. Not all nasty but very important for vulnerable to not have that from anyone.

@Miraloma

There are two types of people in this world. Those who think landlords are price-gouging parasites, and the landlords perpetually surprised that everyone despises them.

Loads of landlords don't take benefits

Blame the banks for that. Non working benefit claimants carry a higher risk profile.

Don't think all landlords are bad but they should not turn away benefits and tenants we need safety secure tenancies cos living everyday fear of homeless is no better than domestic violence and is why lots of us don't leave or go back. Victim blamers say why didn't she leave but victims can't leave or stay left if no safe home. Living in fear of violence and abuse or living in fear of homeless where lots of violence happens. Both bad abusive situations. Even if some private landlords, is urgent need social housing or govt needs to stop lying about wanting to stop domestic violence and people need to stop telling victims to leave.

If people want to not care is their choice but should stop victim blaming victims and stop getting angry with victims if can't leave or if we return.

@SpaceRaiders

Loads of landlords don't take benefits

Blame the banks for that. Non working benefit claimants carry a higher risk profile.

Whatever reason is, people need to stop victim blaming domestic victims for not leaving or for returning and need to stop saying if only she'd reached out for help when there's a murder. Abusers stop victims working or injure us or there's young children so we need benefits even if not forever. People saying work hard, save up and buy is ignoring lots of us do all that but doesn't matter if get ill or abuse cos all money goes and never safe again cos of no safe housing with constant risk of homeless. Living in fear either way abuse and violence or homelessness. Benefits people no chance of getting off them without safe secure home to recover and feel and be safe in.

@Blossomtoes

and while everyone's busy burning landlords at the stake, the Tory MPs sidle off hoping no one notices their failure to fund appropriately shelters and council housing

You didn’t read the thread, did you? We know the problem is a lack of social housing. And we know why.

I'm not exactly sure why there's insufficient social housing (likely a myriad reasons) but it's certainly not the fault of people who chose not to sell up when they climbed the housing ladder.

The trouble is, who would manage all this social housing? If the government then cue another drop in living standards as maintenance is neglected and outsourcing fails to deliver. I fully appreciate that many landlords also neglect their houses but you'd be switching one for another.

What we could do with are governments who genuinely want change i.e. build more housing, and not deregulate banks or introduce help to buy schemes that don't work but raise housing prices further.

No government, since I first purchased a house in 2000, has done anything but make things worse.