Meet the Other Phone. Protection built in.

Meet the Other Phone.
Protection built in.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Scared of what labour will do

760 replies

Wantachangefor2024 · 22/02/2025 01:58

Is anyone else terrified of what labour will enforce. The tax on farmers. Will they means test pip? Will they tax state pension more? What else will they do and where will it all end. They ruthlessly without no care took away the winter fuel allowance. Means testing and taxing state pension would massively impact my family

OP posts:
Fluffypuppy1 · 23/02/2025 09:52

indigovapour · 23/02/2025 09:36

@Fluffypuppy1 I'm not sure if you're new here, but people really aren't interested in facts surrounding the non-dom discussion. You're just supposed to complain about evil rich people paying zero tax.

😂 no, not new here. I just can’t believe that people somehow believe that non-doms were getting subsidised by the state for living here.

Just the VAT on every restaurant bill, beauty/hair appointment, clothes, handbags, cars, holidays etc adds up to an absolute fortune.

Viviennemary · 23/02/2025 09:55

ploppydoppy · 23/02/2025 09:12

If you can’t afford to live in an area without claiming lots in housing benefit you have to move. Plenty of parts of the UK are cheap to live in.

But expensive parts of the country eg London need plenty of people with jobs that don't pay enough to enable them to pay rent without help?

Then they need to commute. Or businesses need to start moving out if they can't get staff. The rest of us shouldn't be funding inflated rentals. Housing benefit has fuelled rent rises.

Katypp · 23/02/2025 10:02

Viviennemary · 23/02/2025 09:55

Then they need to commute. Or businesses need to start moving out if they can't get staff. The rest of us shouldn't be funding inflated rentals. Housing benefit has fuelled rent rises.

It's not that simple though. I agree that teachers, nurses, train drivers etc should commute because, despite the relentless rhetoric to the contrary, they are well paid.
What about the overnight cleaners, nmw Hotel workers, shop workers etc?

PandoraSox · 23/02/2025 10:02

Viviennemary · 23/02/2025 09:55

Then they need to commute. Or businesses need to start moving out if they can't get staff. The rest of us shouldn't be funding inflated rentals. Housing benefit has fuelled rent rises.

The answer is rent controls, not punishing the less well off. Stop the greedy private landlords profiteering at the expense of the tax payer. That would be good for everyone including people not on benefits but who are also being ripped off.

Katypp · 23/02/2025 10:03

PandoraSox · 23/02/2025 10:02

The answer is rent controls, not punishing the less well off. Stop the greedy private landlords profiteering at the expense of the tax payer. That would be good for everyone including people not on benefits but who are also being ripped off.

Edited

How would pushing landlords out of the market and reducing the amount of houses to rent help anything?

ploppydoppy · 23/02/2025 10:05

Then they need to commute. Or businesses need to start moving out if they can't get staff. The rest of us shouldn't be funding inflated rentals. Housing benefit has fuelled rent rises.

But commuting can be extortionate. How can you have no hospitals, schools, shops etc in cities?
There should be a lot more social housing

Alexandra2001 · 23/02/2025 10:13

TheNuthatch · 23/02/2025 09:46

By that logic, families currently living in a 1960s tower block in the NW of England should be given the opportunity to move to a better, higher rent area to improve their children's prospects.
All paid for by the taxpayer of course.

Well, if you want to break the cycle of poverty and low achievement, then yes, that is desirable.

The alternative is these kids live on benefits and or low wages & so on....

PandoraSox · 23/02/2025 10:14

Katypp · 23/02/2025 10:03

How would pushing landlords out of the market and reducing the amount of houses to rent help anything?

Why would it do that? Sensible, balanced rent ceilings could easily be set so that Landlords can still make a profit without ripping people off.

indigovapour · 23/02/2025 10:15

@EasternStandard no, to that type of poster there will always be rich people (because "rich" simply means anyone with more than them) and they will always be paying too little tax.

Alexandra2001 · 23/02/2025 10:16

Katypp · 23/02/2025 09:23

Maybe we should go back there. Unpopular opinion, I know.
The problem is, as long as people know they will effectively be bailed our regardless, there's no incentive to take personal responsibility.
To reiterate, I am not talking about vulnerable people who did not have choices around workplace pensions. I am talking about those who actively chose not to pay in.

Its probably not an unpopular opinion, nationwide, on here yes.

But the reality would be going back to a time when the elderly died in their homes in their 1000s and or we see the elderly begging on the streets OR we reintroduce the poor house, probably better, the feckless can die out of sight then.

Augustus40 · 23/02/2025 10:16

Beauticians and hairdressers do not earn enough for vat!

indigovapour · 23/02/2025 10:17

@Fluffypuppy1 and of course they also pay tax on all their uk income just as the rest of us do. It's almost like these posters are financially illiterate but don't want to let that get in their way, isn't it?

It's funny until you remember that these people get to vote.

Katypp · 23/02/2025 10:19

@Pandora Because every time the BTL market has been tinkered with, it results in many LLs leaving the market.
Rent controls would be a big one, so to assume it would not result in a lot of LLs leaving is naive on the extreme, especially with volatile mortgage rates.
There a lot of assumption about 'greedy landlords' on MN, when it's crystal clear that posters don't have the first idea about the costs involved.

Alexandra2001 · 23/02/2025 10:24

PandoraSox · 23/02/2025 10:02

The answer is rent controls, not punishing the less well off. Stop the greedy private landlords profiteering at the expense of the tax payer. That would be good for everyone including people not on benefits but who are also being ripped off.

Edited

As left wing as i am, i'm not a fan of rent controls, i believe that whats needed is far far more council housing, with not for profit rents, as we used to have.

This would drive down rents in the private sector, as people would have a real alternative.

One way to achieve this is for councils, as Plymouth CC is doing, buying up private rented homes.... the Govt needs to drop their EPC C changes too, these costs are going to either make LLs leave the sector and/or pass costs on to the tenant.
A compromise would be to have the min EPC rating as a D, the costs to go from a E (current minimum) to a C is usually quite small but to get to a C for many properties is very expensive, for a relatively small gain.

A proven rent record should also be proof enough to get a mortgage too.

Katypp · 23/02/2025 10:24

Alexandra2001 · 23/02/2025 10:16

Its probably not an unpopular opinion, nationwide, on here yes.

But the reality would be going back to a time when the elderly died in their homes in their 1000s and or we see the elderly begging on the streets OR we reintroduce the poor house, probably better, the feckless can die out of sight then.

So what is the solution? Continue as we are and allowing more people to opt out because they know they will be helped anyway?
That's not going to bring the welfare bill down.

Katypp · 23/02/2025 10:27

Alexandra2001 · 23/02/2025 10:24

As left wing as i am, i'm not a fan of rent controls, i believe that whats needed is far far more council housing, with not for profit rents, as we used to have.

This would drive down rents in the private sector, as people would have a real alternative.

One way to achieve this is for councils, as Plymouth CC is doing, buying up private rented homes.... the Govt needs to drop their EPC C changes too, these costs are going to either make LLs leave the sector and/or pass costs on to the tenant.
A compromise would be to have the min EPC rating as a D, the costs to go from a E (current minimum) to a C is usually quite small but to get to a C for many properties is very expensive, for a relatively small gain.

A proven rent record should also be proof enough to get a mortgage too.

I agree with all this.
As right wing as I am (although not in everything), one of the biggest mistakes a Government made was when Thatcher sold off council houses.
There's been plenty of opportunity - both Labour and Conservative- to reverse it since then though.

PandoraSox · 23/02/2025 10:31

I agree with you both Katy and Alexandra re: social housing, but oh my god the NIMBYism that occurs when proposals to build new properties are made... There is currently a proposal to build quite a number of new council houses near to where I live. The moaning about it is just unbelievable.

TheWildRobot · 23/02/2025 10:33

ploppydoppy · 22/02/2025 09:08

@Dorisbonson all because of VAT on school fees? Where did you go?

Someone earning 30k pays circa 5k in tax a year. The low earners are subsidised by tax payers who are paying more than 17k in tax. Do you really want higher earners to leave?

We have always had lower earners and people who take more in tax than then pay, it's not a new thing. Not helped off course by economic policy that devalued wages and boosted asset prices.

The UK is losing more millionaires a year than any country in the world.

Is there evidence of this, I am interested?

The problem is the number of these people. As others have pointed out higher earners in the UK pay some of the highest taxes for their earnings in the entire world, more than in most European countries.

The difference in the UK is that lower and middle earners pay far, far less than in comparable European countries. Due to the sheer numbers it is mathematically impossible to fund European-standard public services while this remains the case, hence our current predicament.

Eventually the UK population will have to accept this mathematical fact. The choices are either: 1) lower and middle income earners pay significantly higher rates of tax (increases of 7-10%); or 2) public services will have to be scaled back so that many things - healthcare and pensions in particular - are not state funded.

There are no other viable options.

4C0rners · 23/02/2025 10:33

Katypp · 23/02/2025 10:19

@Pandora Because every time the BTL market has been tinkered with, it results in many LLs leaving the market.
Rent controls would be a big one, so to assume it would not result in a lot of LLs leaving is naive on the extreme, especially with volatile mortgage rates.
There a lot of assumption about 'greedy landlords' on MN, when it's crystal clear that posters don't have the first idea about the costs involved.

Edited

LL leaving would be a great thing! The sooner the better. More affordable housing on the market, more people able to move out of rental leaving more spare and greedy LL unable to have everybody over a barrel with extortionate housing prices with down right unacceptable living conditions.

I like what they’re doing in Wales.

4C0rners · 23/02/2025 10:36

www.bbc.co.uk/news/articles/cvg9y544wx3o.amp

EasternStandard · 23/02/2025 10:37

indigovapour · 23/02/2025 10:15

@EasternStandard no, to that type of poster there will always be rich people (because "rich" simply means anyone with more than them) and they will always be paying too little tax.

True

I think we'll have to deal with the defence spending and Labour might have to go with cuts. Borrowing is too high already.

'No taxes on working people' pledge re taxes and they can see what hitting businesses / non doms does

There's pitch rolling already on welfare. We'll see if they do it. They have more rope than the opposition would. Some impacted voters will stick with them more despite cuts.

Alexandra2001 · 23/02/2025 10:39

4C0rners · 23/02/2025 10:33

LL leaving would be a great thing! The sooner the better. More affordable housing on the market, more people able to move out of rental leaving more spare and greedy LL unable to have everybody over a barrel with extortionate housing prices with down right unacceptable living conditions.

I like what they’re doing in Wales.

LLs leaving the sector in Plymouth, just led to a huge shortage of rental properties, a 18% increase in rents, evictions and more people in temp accommodation.

A house priced at around £200k in Plymouth is totally unaffordable to someone, even a couple, on a low income.

4C0rners · 23/02/2025 10:41

Alexandra2001 · 23/02/2025 10:39

LLs leaving the sector in Plymouth, just led to a huge shortage of rental properties, a 18% increase in rents, evictions and more people in temp accommodation.

A house priced at around £200k in Plymouth is totally unaffordable to someone, even a couple, on a low income.

With a scheme to buy up some properties and keep under local authority control or shared ownership that could be rectified.

Katypp · 23/02/2025 10:47

4C0rners · 23/02/2025 10:33

LL leaving would be a great thing! The sooner the better. More affordable housing on the market, more people able to move out of rental leaving more spare and greedy LL unable to have everybody over a barrel with extortionate housing prices with down right unacceptable living conditions.

I like what they’re doing in Wales.

Explain how losing thousands of houses without building any more would ease housing pressues exactly.
Specifically the moving out and leaving more spare bit.
Such a silly post

4C0rners · 23/02/2025 10:54

Katypp · 23/02/2025 10:47

Explain how losing thousands of houses without building any more would ease housing pressues exactly.
Specifically the moving out and leaving more spare bit.
Such a silly post

No not a silly post all. More houses for sale reduces prices and enable more to enter home ownership, people moving out of rental frees up stock for those who will never be able to get a mortgage. It also will also mske LL more competitive to attract renters and this better quality rental property. Lower prices will be less cost for councils if they were to take more property under council control. It will also make the state burden as regards housing in old age better if more are living in property with a paid off mortgage.

We also need to really start clamping down on greedy LLs.I don’t think there should be a license system. Any untreated damp, mold, broken or non cost effective heating or over inflated prices then you lose your license.