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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To think that renters have put up with big monthly rises for years

423 replies

Upthebracket22 · 14/10/2022 07:44

We rent because we have been priced out of the housing market for years & years. We have raised our kids in a rented house & put up with large rises in monthly payments. We’ve been ‘lucky’ in that we’ve been on our current house for 10 years.

Noone has given a flying fuck about renters & the amount we pay & have had to find extra each year but now it’s mortgages going up, it’s all ‘poor mortgage holders’ - it’s really grating on me.

As it goes, the coming housing downturn will mean we actually might be able to buy a house. Safe secure affordable housing is a good thing.

the current housing boom has been created by cheap money and that era is ending. An entire generation of people have been priced out of a safe home & while I don’t want to people in difficulty, renters have had to put up with it for years ‘move to a cheaper area’ being the main nonsense.

We are a normal family with good jobs but saving for a deposit has been impossible because of insanely high rents.

i am tired of the ‘poor mortgage holder’ rhetoric when those of us trapped in rented homes have put up with large monthly hikes for years.

i know this won’t be a popular view on here but for us renters, the last decade had been difficult and no one has given a shit.

OP posts:
vivainsomnia · 14/10/2022 17:26

because he told us
What would motivate a landlord to motivate them to share that information with their tenant? It wouldn't cross my mind to do so. It's absolutely none of their business!

vivainsomnia · 14/10/2022 17:28

do you have any stats to back up your assumptions?
Do you? Maybe OP could start evidencing her assertions!

Original poster
Upthebracket22 · 14/10/2022 17:29

@vivainsomnia because we get on with him. Because we talk to him a lot. Because he has a bit of guilt in I think. Etc. but he’s still running his business.

OP posts:
Original poster
Upthebracket22 · 14/10/2022 17:29

@vivainsomnia evidence what assertions? Multiple media reports of ‘poor mortgage holders’?

OP posts:
Borninthe80s01 · 14/10/2022 17:30

Upthebracket22 · 14/10/2022 16:32

@MooseAndSquirrelLoveFlannel ”But I have heard real vitriol directed at home owners and they'll be "begging for help" from the govt in a really nasty and patronising tone”

Thats not true. In fact a lot of what you said isn’t true. My comment was directed at all the nonsense on here about people not having kids while renting and this idea that you have to do things in ‘order’ when real life isn’t like that.

i don’t want my taxes paying for a mortgage bail out either as why should that happen? Renters don’t get bailed out do they for their apparent mistakes.

But people aren't saying you have to do things in a particular order, it's completely up to you, but it clearly makes things harder! Don't moan about decisions you've made.

Original poster
Upthebracket22 · 14/10/2022 17:35

@Borninthe80s01 i’m not moaning about decisions I have made. I am stating the fact that the U.K. housing market is fucked for renters.

i have said plenty on here that I would rent for life if it was a secure option - like U.K. Europe. But it’s not.

OP posts:
vivainsomnia · 14/10/2022 17:36

Yes sorry OP, I didn't mean you. I actually agree with you that rent have become extortionate. I couldn't up the rent, it just felt wrong and I resent most of it going back to the government. I rather they benefit.

I just get annoyed when people insist that it's not their fault they are not home owners when they gave made choices that made it very difficult for them to become so.

Original poster
Upthebracket22 · 14/10/2022 17:36

And I am also saying that taxpayers shouldn’t bail out mortgage holders

OP posts:
toulet · 14/10/2022 17:37

@vivainsomnia course you don't! I have stats...

that mothers are older now?

www.statista.com/statistics/294594/mother-average-age-at-childbirth-england-and-wales-by-child-number/

that home ownership has fallen amongst those under 35?

www.ons.gov.uk/peoplepopulationandcommunity/populationandmigration/internationalmigration/articles/housingandhomeownershipintheuk/2015-01-22

that young people are spending more of income on housing?

www.moneyexpert.com/news/millenials-spending-income-housing/

anything else?

vivainsomnia · 14/10/2022 17:38

It does sound you are getting the best security you can hope for renting. Been there 10 years and told you could stay indefinitely. That's pretty good going. I feel very very sorry for those who move and are told to go after 1 year or worse 6 months. Disgusting (assuming they have paid and kept the place in good standards).

Tralalalalalalalalalala · 14/10/2022 17:39

Upthebracket22 · 14/10/2022 17:36

And I am also saying that taxpayers shouldn’t bail out mortgage holders

Totally agree. People need to start taking responsibility. The government need to butt out and let the market correct itself.

Borninthe80s01 · 14/10/2022 17:42

Damnautocorrect · 14/10/2022 16:55

2 working adults probably need 2 cars for their commute.

granted people eat more takeaways now, but proportionately they are (or were up until a few months ago) cheap compared to the Chinese takeaway once a year that we had when I grew up.

holidays, I’d be interested to see stats on that one. Again up until recently the easyJet cheap flight has fuelled holidays being cheap compared to the camping holiday of my childhood.

Show quote history

Again, choices. We chose to work places we could get to by public transport so we get by with one car. Yes, two cars would make things easier, but we prefer not to spend the money.

Yes, it was definitely easier to buy in the 1980s, my parents did on one wage, but life felt a lot more precarious and it was a lot lower stand of living... They were reliant on that one wage and they were more conservative with money - no streaming services, no takeaways or meals out, no mobile phones, much fewer electronic goods and consumables in general ... Things were more expensive.

People didn't have multiple tvs like they do now! My parents were fortunate that they were able to save up and buy a small TV, but a lot of their generation used to rent them!

vivainsomnia · 14/10/2022 17:45

@toulet. And I don't think I've disagreed on anything? Yes mothers are older now. Exactly what I'm saying. Because they wait to get in the property ladder. My point!

Home ownership have fallen for the under 35. Well yes, more go to uni, take years off, so of course the age has shifted! As has retirement age and therefore the pressure to buy.

As for the last, it states individuals, not families, again, I didn't disagree! But it's about meaningless and not comparable when much fewer of our grandmothers worked.

colddayinhell · 14/10/2022 17:50

Brilliant post OP! Totally agree.

Original poster
Upthebracket22 · 14/10/2022 17:51

@vivainsomnia yes and it’s why we don’t complain because I know we are relatively ‘lucky’. I’d like to buy the house one day if he’ll sell but obviously at the moment, he’s getting a decent income 🙄

I do sadly have inheritance coming soon so it might change our fortunes (although I would rather ir wasn’t in these circumstances and obviously know it makes me privileged to have money coming)

OP posts:
Damnautocorrect · 14/10/2022 17:51

Borninthe80s01 · 14/10/2022 17:42

Again, choices. We chose to work places we could get to by public transport so we get by with one car. Yes, two cars would make things easier, but we prefer not to spend the money.

Yes, it was definitely easier to buy in the 1980s, my parents did on one wage, but life felt a lot more precarious and it was a lot lower stand of living... They were reliant on that one wage and they were more conservative with money - no streaming services, no takeaways or meals out, no mobile phones, much fewer electronic goods and consumables in general ... Things were more expensive.

People didn't have multiple tvs like they do now! My parents were fortunate that they were able to save up and buy a small TV, but a lot of their generation used to rent them!

Show quote history

Is this poverty top trumps or a yorkshire man sketch. Mine rented their tv from radio rentals and phone from BT.

the government have pushed people to commute, even being housed by the council anything upto an hour and a half is deemed reasonable, despite the cost involved in this. Which is why Slough residents have been placed in Leicester. Some parts of london are putting people in Wolverhampton.
commuting is also a way of people finding cheaper housing.

see the comments above suggesting someone commutes to london instead of £1700 for a room.

Damnautocorrect · 14/10/2022 17:53

Commuting also fits into the “move somewhere cheaper” rhetoric that always gets trotted out for renters

dreamingbohemian · 14/10/2022 18:01

Yes let's move an hour or two away to get cheaper rent, oh wait then our commuting costs are £800-1000 a month.

It's almost like people have no fucking clue what they're talking about.

WahineToa · 14/10/2022 18:02

Oh you’re 100% right OP. I haven’t bothered to read many of the ignorant replies because I’ve heard it all before. Privileged people who simply have no clue.

I just get annoyed when people insist that it's not their fault they are not home owners when they gave made choices that made it very difficult for them to become so.

I know people that own and rent and I still rent myself. We and all my renting friends make similar decisions to everyone else, my DH and I didn’t even own a car until very recently and we have no debts. If you are renting now and dont have an inheritance or parents to help, saving for these deposits takes years and years, for many it’s completely out of reach. Policies are geared to favour home owners and it needs to stop. I have zero sympathy for the rise in interest rates. They’ve been too low too long. People can move to something they can afford like renters do over and over. Nobody has given a shit about any of us and how low interest rates and high house prices ruin our chances.

WahineToa · 14/10/2022 18:02

It's almost like people have no fucking clue what they're talking about.

because they don’t.

dreamingbohemian · 14/10/2022 18:07

Exactly @WahineToa

Genuinely, my DH and I have not made significantly different choices than our friends who own. We are frugal, one child, no car, no debt, etc.
Our friends who own have all had enormous sums from family or inheritance, that is the only difference.

Not saying that is the only way to own but it's definitely not the case that owners have all done everything right and renters haven't.

girlmom21 · 14/10/2022 18:09

dreamingbohemian · 14/10/2022 18:01

Yes let's move an hour or two away to get cheaper rent, oh wait then our commuting costs are £800-1000 a month.

It's almost like people have no fucking clue what they're talking about.

Well I suggested a poster commutes because she was looking at a £1700pm flat share so she could get a nice house and commute and be no worse off...

missmamiecuddleduck · 14/10/2022 18:21

Yes, rents are insane here in Australia too. I rented a 3 x 1 as my first house and it was 180 per week. The same house now rents for 500 a week. Just a basic house built in the 80s.

WahineToa · 14/10/2022 18:32

Yes, rents are insane here in Australia too Yes it’s the same in NZ too. Without help, the ordinary person can’t get on the property ladder. In fact NZ is worse than UK.

Borninthe80s01 · 14/10/2022 18:33

Damnautocorrect · 14/10/2022 17:51

Is this poverty top trumps or a yorkshire man sketch. Mine rented their tv from radio rentals and phone from BT.

the government have pushed people to commute, even being housed by the council anything upto an hour and a half is deemed reasonable, despite the cost involved in this. Which is why Slough residents have been placed in Leicester. Some parts of london are putting people in Wolverhampton.
commuting is also a way of people finding cheaper housing.

see the comments above suggesting someone commutes to london instead of £1700 for a room.

Show quote history

No, I'm just saying that for people who go on about cheap houses in the 1980s - life wasn't all rosy and I bet they wouldn't swap places with people then! We might have more expensive housing but we generally have a better standard of living.

I'm not sure what your point is about commuting, but most people, whether they rent or own, have to weigh up the costs/benefits of cheaper housing/travel cost/time. I used to have a four-hour round trip to work but made the decision to get a (much) closer job.