To think being able to use housing benefits as a mortgage is unfair?

[blahloney]

I’m actually feeling quite annoyed. I currently work full time, don’t receive benefits but cannot afford to buy a house despite my rent being more than a mortgage. How is this fair?

Of course it’s a easier for a home ownership to stay in the hands of the person who lives in the house they then have skin in the game to maintain and look after it and keep it in a good standard of repair and this is what the likes of Lois misses the government doesn’t want the responsibility. They never did.

I’m looking at it this way.
If Boris does this and people who get housing benefits use the money to get a mortgage on their property, at that point, the state stops paying the HB and they need to work to pay their mortgage (since people who pay mortgage are not entitled to HB). Though they now own their house, they are now liable for all the repair cost, etc as well as liable to make payment for the mortgage. I can imagine people who would rather claim benefits and not work will prefer to just continue claiming hb and paying it to the housing association who also will take care of their home repairs.
Its such a bad idea anyway and I agree with the op,

@Tohaveandtohold Do you not understand that it’s not an option to choose to work or to claim universal credits this isn’t a choice situation for 99% of the population.

they will have you on and off universal credits as fast as his feasibly possible so you’re not gonna get to make a lifestyle choice here.

and given what an absolute nightmare it is to get the council or housing association to do any repairs whatsoever there are people that are renting from these establishments and paying for the repairs themselves this also happens with private landlords to I’ve known friends that have had to make repairs to boilers because the alternative as they sit in the cold.

5128gap · 09/06/2022 16:47

ClocksGoingBackwards

It would be ridiculous to allow housing benefit to be used to gain a mortgage, but allowing people to claim it after having an affordable mortgage and then having a no fault drop in income would be a positive thing. It’s a shame that’s not what they’re focusing on.

It makes no difference to the cost whether HB is paying for a new mortgage or an existing one though, does it? Or to the fact that public money is helping someone buy a house. Why would you consider one ridiculous and not the other.

The difference is the deserving and un deserving, people are making moral judgements on who should get this help and those that shouldn't. Again all this does is pit is against each other and while this is happening, those in control stay in control and nothing gets better.

Let them buy the house with benefits but with the stipulation if its sold the money goes back to goverment

As above but if it's only a percentage of the home paid with benefits then that percentage goes back to government

They can’t even means test who gets £400 off their gas and electricity bill how on earth do you think they would set up government departments that would be able to calculate that fairly ?

The government wins because a mortgage has an end date, housing benefit being paid out is a bottomless pit.

That's because the cost of means testing is too high and would be counter productive

It's just guff from Johnson.

See, you’re one of those people who’ve fallen for government divisive tactics.

You think because one demographic is worse off, others should be too. But disabled people and pensioners are the ones with the least, and yet you advocating for more being taken from them?
No. The problem isn’t the people at the bottom of the ladder. It’s those at the top hoarding wealth, giving £billions in government contracts to their partners and friends, and not taxing massive companies in the UK as they should be.
Don’t keep falling for their tactics. It’s a diversion from them to others you can pick on 🙄

Thank you for pointing this out.

The government are experts at pitting us against each other, demonising disabled people and causing more division. Disabled people have the least. The problem isn’t us.
The problem is right at the top.

Maybe the OP could state if there's relevant stuff going on in the news that is pertinent to their post.

Maybe you could consider that maybe people don't watch the news, are too busy to watch the news, or do watch the news but just haven't settled down with a brew yet to switch the telly on.

Maybe the OP could state if there's relevant stuff going on in the news that is pertinent to their post

This is a zombie thread about something Johnson said two years ago!