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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Living somewhere you hate. AIBU to want to rent in London?

112 replies

Lissaaaaaa · 18/03/2023 15:10

Moved here for husbands study. We’ve now lived here 5 years. He’s a Doctor so can work anywhere. He is a junior doctor and earns around 32k.
We have two children. I don’t work. childcare costs priced me out Of working.
We’ve lived in several different cities and towns and we are personally happiest in London. We also like Bristol and Bath.
We both agree this place is not for us. It’s deprived, rural, not good schools (unless willing to go private), I don’t drive and public transport is poor. I feel very trapped here as there’s no walking distance facilities.

To live in London we need my Husband to be on at least 70k to buy somewhere. We are therefore stuck here for a few more years until he completes GP training. Unless we rent.
Our eldest is 9. Youngest is a baby.

My husband thinks we should stay here until we can buy a property in London. He says if we move to London and rent we will struggle to find the money to buy. Bristol and Bath aren’t much better property price wise so might as well go for our first choice of London. We’re currently renting. Trying to save a deposit. Our rent here is £500 a month for a lovely two bed place.

I am pretty miserable here to be honest. I’m now wondering if we should move somewhere a bit better (at least with some facilities and good public transport) and buy somewhere cheaper while we try and save for London. I was looking at Liverpool and Manchester.

However my husband says that will be disturbing for our eldest changing schools at that stage of his education. He also says the hassle of buying a house, moving etc somewhere we have no intention to live is not worth it. We’d also not be chain free when we move to London.

I am struggling to live happily somewhere I know will never be home. Where I know I won’t be living. Where I can’t even go to the shop without a bus ( that’s always late and goes every hour). That has no facilities or after school clubs. That’s deprived. We made a mistake moving here and it feels now we’re here we’re stuck.

‘’sometimes I think we should just move to London and rent. In fact I am now sure we should move to London and rent. Even if it’s in a less nice area and small it is at least somewhere with transport, facilities and a vibe.
We know many people in London renting on our income. They get some top up from universal credit, rent somewhere smaller and further out then they need. Accept their income will be spent on rent.
AIBU to want to rent in London?

My husband has good earning potential. His income will go up every year plus he can do agency work to earn more, in 5 years he can be on 100k+ which I feel even with renting will allow us to buy somewhere.

OP posts:
bozzabollix · 19/03/2023 08:38

We live in Kent where HS1 nips us up to London in 37 mins. You’re wanting to do the reverse move, so many people are heading out of London and coming to Kent. Looking at what you can buy round here versus up in London it’s no surprise.

My husband is also a doctor (now a consultant) and wouldn’t swap the house we have here for the money equivalent in London, no way.

RedPanda86 · 22/03/2023 19:39

Hi OP

Haven't RTFT but without wanting to burst your bubble, my job is managing NHS accommodation and I would advise you to think carefully about this type of move.
There is such a lack of accommodation belonging to Trusts in London or keyworker homes from housing associations that the waiting lists are literally years long. The majority of the accommodation is single rooms in shared flats and it is very rare to see a family homes available.
If you try to rent privately you'll find almost impossible on a 30k salary to rent somewhere for a family of 4, even with London weighing.
I see time and time again, families moving to London and then ending up sharing with other families or staying with friends and family as estate agents will turn them down as soon as they hear 30k salary and children ( I work mostly with nurses). There are very few flats available for too many applicants and most end in bid wars.
I love living here but I would definitely if I were you or move somewhere bigger but cheaper than London.

spirit20 · 22/03/2023 20:00

I struggled living on 30k back in 2018 and was single. I have no idea how you would cope as a family of 4, it would be impossible.

You wouldn't be able to afford to rent anywhere near a station, meaning it would still take forever to get to shops etc.

RedPanda86 · 22/03/2023 22:52
  • that should have read "I would definitely wait if I were you"
Mrseven · 22/03/2023 22:59

DrMeredithGrey2023 · 18/03/2023 15:27

Are you aware of what a 2 bed would cost to rent vs what you are paying now?

Have you looked at rent for 2-beds in London, OP?

You're looking at £500 p/w...

What areas are you considering? I'd also look into good secondary schools...

TempleHill · 07/04/2023 21:44

Am I the only person who think it is wise for OP to move? DH is a GP. Once his GP training is done, he will be on a lot more. AND they can apply for the keyworker scheme to get cheaper rental. London is better for OP's mental health. Having friends around is important. Not everyone wants to live in a huge house in the middle of no where. OP values the location more than the size of the house.

https://www.entitledto.co.uk/

On top of that, OP's family of 4 can apply for housing benefits. Assuming the kids both are entitled to one room and a couple sharing one room, the family is entitled to Cat C Inner East London LHA rates, which is £365.92/week, £19k p.a.

Putting the info from OP on the entitled to calculator, OP should get £424.
18 weekly, which is £1838/month. OP family can live a good life in London on £30k gross salary and universal credit. OP's DH is a key worker. We need key workers to live in London. Once OP's husband gets a job offer, they can apply for universal credit.

Benefits Calculator - entitledto - independent | accurate | reliable | www.entitledto.co.uk

Check what benefit entitlement you are entitled to. The entitledto benefits calculator will check which means-tested benefits you may be entitled to e.g. tax credits, universal credit, housing benefit …

https://www.entitledto.co.uk

TempleHill · 07/04/2023 21:58

Homes for key workers | Peabody One of the key worker discounted rent schemes.
Find keyworker housing - Metropolitan Thames Valley (mtvh.co.uk)

Key worker scheme (towerhamlets.gov.uk)

Key Worker Housing and Intermediate Housing Policy - Kensington and Chelsea's Consultation and Engagement Hub - Citizen Space (rbkc.gov.uk)

Each borough operates their own key worker scheme. Have a look at their website. On a teacher's salary, I have a friend who managed to buy a flat in Islington. A friend who works as a nurse in a care home got key worker housing too.

There is a queue. OP can apply for universal credit for now before finding a discounted rent place, but it is worth joining the queue early. There are homes available to key workers to rent and buy.

StackPath

https://www.peabody.org.uk/find-a-home/homes-for-key-workers

tennesseewhiskey1 · 07/04/2023 22:06

Sorry OP - being kind. You can’t really afford to live in London. It also sounds very selfish to move your child from school to school - you don’t even know where you want to live. Have you priced up London housing- where in London? Unless you mean way out of London? Everything here is 50% more. You don’t work. And if you choose to - have you looked at childcare costs? My children went to nursery which cost £92/day - and were not even central London. Think very carefully before you make such a move OP - yes you’ll be in the city - but you may find yourself even more isolated. Good luck.

Cosmos123 · 07/04/2023 22:12

TempleHill · 07/04/2023 21:44

Am I the only person who think it is wise for OP to move? DH is a GP. Once his GP training is done, he will be on a lot more. AND they can apply for the keyworker scheme to get cheaper rental. London is better for OP's mental health. Having friends around is important. Not everyone wants to live in a huge house in the middle of no where. OP values the location more than the size of the house.

https://www.entitledto.co.uk/

On top of that, OP's family of 4 can apply for housing benefits. Assuming the kids both are entitled to one room and a couple sharing one room, the family is entitled to Cat C Inner East London LHA rates, which is £365.92/week, £19k p.a.

Putting the info from OP on the entitled to calculator, OP should get £424.
18 weekly, which is £1838/month. OP family can live a good life in London on £30k gross salary and universal credit. OP's DH is a key worker. We need key workers to live in London. Once OP's husband gets a job offer, they can apply for universal credit.

Totally agree.

OP look at the suggestion been made here and do your homework.

Xtraincome · 07/04/2023 22:26

Choose another city OP: Bath, Bristol, Birmingham, Liverpool, Manchester, Leeds, Harrogate, York, Oxford, Cambridge, Brighton. There is loads of choice. We are looking to move away from rural suburbia too- we previously lived in London. You are living somewhere you dont like and i get that. Being so miserable there has made you lose your objectivity- been in that place too.

Good luck and start exploring new areas as soon as possible.

Lissaaaaaa · 10/06/2023 17:44

Thanks everyone. We made the move

OP posts:
Whatsmyusername1235 · 01/03/2024 16:43

Lissaaaaaa · 10/06/2023 17:44

Thanks everyone. We made the move

I know this is an old thread, but how did it go OP?
are you glad you moved?

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