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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Council houses owning brand new cars?

736 replies

TheCluelessMum · 06/05/2025 20:52

I’m writing this post with the hopes of being educated, not slandered

however I completely appreciate I may be just completely shot down for asking this.

i live on a new build estate, 12 houses at the start of the estate are council houses. I don’t know this because I’m a snob, I know this because it’s clearly marked on plans when you buy those houses.

i see so much stuff online about how the UK benefits system is failing people, the higher rise of food banks. It’s absolutely abhorrent people are in this situation.

however, when entering my estate today I noticed that each and every single council house had a car newer that a 20 plate. Mercedes, Audi’s, BMW’s even range rovers.. there was not a single house out of the 12 which had an older than 20 plate car.

I am now confused as to why this is the case? Everyone I know (including those receiving benefits) continually speaks about how hard the cost of living is.

so could someone please answer how/why those in what we would presume lower income families, are able to afford such lavish cars.

OP posts:
XenoBitch · 06/05/2025 22:03

PluckyCheeks · 06/05/2025 21:58

Well, assuming they’re on benefits, spare cash may come from:

  • Universal Credit
  • Not having to pay rent or mortgage
  • No council tax
  • Healthy Start payments for food (around £25 per child per month)
  • Regular supermarket vouchers from your council. Tend to be every school holiday and about £90 a time.
  • Cost of Living Payments (£300 a go)
  • Household Support funding (into the £100s)
  • Child benefit (around £200 per month for 2 kids)
  • Not having to pay service charges for your block of flats
  • Cheap entry to places like London Zoo (£6 per adult instead of £30+) and council gym activities like Soft Play which costs us £13 each time but is only a couple of quid if you’re on benefits.
  • Vastly reduced gym membership at council gyms. Around £12 per month at my local one instead of nearly £100 if not on bennies.
  • Food bank access. Saves a lot of money!
  • PIP if you manage to claim it (£749 pm)
  • Free school meals and other help with children attending school.
  • 30 free hours at nursery instead of 15, even if you’re not working but in receipt of UC.
  • DLA and Carers allowance if you can prove one or more of your kids has ADHD, ASD, etc.
  • Reduced utility bills for Thames Water, Broadband, mobile and electricity (just provide proof of UC).
  • Winter fuel payments if temp dips below a certain amount for a certain time (don’t need to be old).
  • New kitchen and bathroom installed every number of years.
  • not having to pay out for roof repairs or any sort of other home maintenance repairs.

I’m sure I’m forgetting some!

But anyway, getting the full raft of benefits often leaves you better off month to month than a non benefit family where one parent works and the other is a SAHP, or even where both parents work but are on low-ish income. I’ve been on both sides of the fence and had more disposable cash on benefits.

Edited

I don't have kids so I guess I am doing benefits all wrong.

Macaroni46 · 06/05/2025 22:04

XenoBitch · 06/05/2025 21:55

If that was the case, then the council would have kicked her out ages ago. They didn't. If you have a council house, then if you pay the rent and behave yourself, you can be there for life.
Life time tenancy should be the norm,. None of this being at the mercy of someone who could kick you out after a year.

Working people on UC are at the mercy of the DWP stopping their top ups during the months where they have 2 pay days instead of 1. They get £0 UC for those months. Imagine a similar thing with housing. You earn too much one month... get evicted.

I know what the rules are regarding council house tenancy. I’m disagreeing with them.
Life time tenancies means the availability of council housing stock and movement off the waiting list into a vacant property is severely limited. In my opinion, council house tenancies should be means tested and evaluated every 3 years.

vodkaredbullgirl · 06/05/2025 22:04

TheCountofMountingCrispBags · 06/05/2025 22:03

Loving the image of a house owning a car!

A new one at that.

PluckyCheeks · 06/05/2025 22:05

SugarAndSpiceIsNice · 06/05/2025 21:55

I have exactly the same experience as you. I am London based. It's not just the cars. I've seen mega sized TV screens, children playing with latest Apple products and the women typically not working. I've seen it all with my very own eyes.

My experience too.

I feel like most MNs live in detached homes with no council properties near them.
They move in circles where they never mix with benefit claimants.
They like to think of themselves as Lady Bountifuls giving their hard earned taxes to the suffering plebs.

The thought that these people might be leading any kind of high life is just unimaginable to them so they stick their fingers in their ears and cover their eyes and shout “oh here we go again!”

All I say to them is, come and live on a council estate (particularly in London) for a couple of months and get back to me.

Wishingplenty · 06/05/2025 22:05

Some people value other things and not property. So if you like spending money on holidays, eating out, designer clothes and expensive cars, then there is not much money left to invest in property so a council house will do. Other people value property above all else, so go without a lot of things to achieve this. It really is not that hard to work out.

Kirbert2 · 06/05/2025 22:05

Blongie · 06/05/2025 21:48

Literally this

Wow. Madness. Country is screwed.

only people doing well at the moment are the people creaming benefits (DLA, PIP etc etc) or the very top.

middle earners might as well not bother.

The only reason why I get DLA for my son is because he got cancer, almost died and it left him disabled.

I'll gladly swap you but of course, it means your child has to go through what my child has gone through including his near death experience and likely permanent disability.

Yeah, I didn't think you'd be interested. 'Doing well' is a fucking insult.

finallyskinny · 06/05/2025 22:06

Beeloux · 06/05/2025 21:59

As I said, it should be for those that need it. In your case you do. Then again, if you can afford a 74 plate car, likelihood is you can afford to save up 6 months rent to pay upfront and privately rent.

I say that as a single parent with 2 young dc and low income. I chose to sell my car and never had a problem renting privately if I paid 6 months rent upfront even when I was on UC and not working.

if I didn't have a car my children wouldn't be able to get to school as we live in the middle of nowhere and I wouldn't be able to get to work! I would never be able to afford rent on a 3 bed property in our area and no landlords take 6 months payments up front without a guarantor. plus how ling would it be before a landlord sold up? I saved half the down payment for my car and the rest is finance. I will never move out of my house as eldest DC will never be able to live alone, if people think I'm entitled then that's on them. after what me and my children have been through we deserve happiest and to feel secure.

HamieandHave · 06/05/2025 22:06

Blongie · 06/05/2025 22:00

I can tell you from personal experience that it’s possible to do extremely well.

once your children are on DLA high rates (and you have 2/3/4 of them) - things such as autism / adhd.

one in ten children in the UK now receive DLA.

£735 per month each child
extra £450 for each disabled child on top of your normal UC payments

NO benefits cap for disability so literally amounts are endless.

its not uncommon to be receiving if you / partner have PIP (or both of you) and disabled children plus rent amounts over £5000-£6000 a month.

Laughing at the idea that having several disabled children is doing well.

JenniferBooth · 06/05/2025 22:07

@PluckyCheeks

r 2 kids)
Not having to pay service charges for your block of flats

BUT PAYING FOR SOMEONE ELSES

Once more with feeling
Across the river in Nine Elms, Janine Streuli is one of many NHG shared ownership tenants in a block called Viridian Apartments. But far from delivering Kenrick’s utopian vision of good quality housing for everybody, regardless of wealth, Streuli and her neighbours have ended up paying for the concierge and garden landscaping of the wealthy residents of the adjacent luxury block. They’re facilities that she and the fellow affordable housing residents haven’t been given access to; their block has a separate “poor door” and their entrance to the communal gardens are sealed shut
The charge was only announced five years after Streuli moved in, when the affordable housing residents got a bill for thousands of pounds. While their initial leases made clear they wouldn’t have to pay these fees, NHG’s own lease with the building’s management company — which actually runs the development and its facilities — said the opposite. When the discrepancy was eventually identified the tenants were asked to take on the cost. They were now going to be paying to maintain the luxury gardens and concierge that they weren’t even allowed to use. Now she and most of the other residents spend upwards of £6,000 or £7,000 a year in service fees, almost 500% the rate promised when she moved in. While subsidising the facilities of their neighbours, many of their own flats and corridors have dealt with flooding, penetrating damp and mould — problems that have never been adequately fixed. Eventually the residents cobbled together enough money to take NHG to a property tribunal, and next month their fate will be decided by a judge

Blongie · 06/05/2025 22:07

You don’t get PIP so it’s a bit irrelevant to my point?

also unclear why it’s important the ‘NHS nurse’ part- the NHS is the biggest employer in the UK. Could they not supply you an ill health package perhaps?

PluckyCheeks · 06/05/2025 22:07

Hwi · 06/05/2025 21:39

This - some of the best houses in London are council. Peabody in Covent Garden, Datchet House in Euston, and lots of really old brick Georgian houses in Bolsover Street. They also just built a new development, private+council where Middlesex Hospital was, close to Nassau Street, WC1

I’d like to see what sort of people are getting to move into those. Probably not hardworking couples with a kid or two. It’ll be those classified as having “most need”. Which is debatable.

Blongie · 06/05/2025 22:07

HamieandHave · 06/05/2025 22:06

Laughing at the idea that having several disabled children is doing well.

One in ten children in this country claims DLA. I fail to see how all those claims are genuine.

ThisOpenMauveLurker · 06/05/2025 22:08

Some MNers (and hairy handed visitors) would still think the disabled were being spoiled if the State paid for them to sleep standing up every night at the Workhouse (happened in the Victorian era).

Disability could happen to any of you tomorrow.

IwasDueANameChange · 06/05/2025 22:08

These days it is easier to get prioritised for council housing if someone in the household has a disability. Especially newbuilds as modern housing requirements include wider hallways and doorways and bigger downstairs loos as standard.

The same group of people also may be more like to qualify for mobility component of DLA and use that to lease a motability car. Often the monthly cost of a more expensive brand is not much less than a cheaper brand to lease from new. With leasing you essentially finance the vehicle depreciation. A more extensive brand car can hold value better making them cheaper to lease.

WhatdoIkno · 06/05/2025 22:08

InfoSecInTheCity · 06/05/2025 21:41

Came on to say this. I don’t like debt, so I buy cars outright with my savings, but if my only choice was to pay monthly then I may as well lease a nice car rather than buy an old car with a loan.

And it’s generally cheaper as there are no 0% deals on 2nd hand cars.

Blongie · 06/05/2025 22:09

PluckyCheeks · 06/05/2025 22:05

My experience too.

I feel like most MNs live in detached homes with no council properties near them.
They move in circles where they never mix with benefit claimants.
They like to think of themselves as Lady Bountifuls giving their hard earned taxes to the suffering plebs.

The thought that these people might be leading any kind of high life is just unimaginable to them so they stick their fingers in their ears and cover their eyes and shout “oh here we go again!”

All I say to them is, come and live on a council estate (particularly in London) for a couple of months and get back to me.

This in spades. The champagne socialists love to be perma-offended but never the ones to actually want to move to these areas eh?

WildflowerConstellations · 06/05/2025 22:09

Macaroni46 · 06/05/2025 22:04

I know what the rules are regarding council house tenancy. I’m disagreeing with them.
Life time tenancies means the availability of council housing stock and movement off the waiting list into a vacant property is severely limited. In my opinion, council house tenancies should be means tested and evaluated every 3 years.

Bad idea. What incentive would anyone have to improve their financial situation if doing so would mean loss of security of tenure and getting kicked out on the street into the housing crisis where they'd quite possibly end up losing more in rent than the extra they're now earning, or having to move so far away they can't keep their job, and potentially face homelessness the whim of a private landlord?

HamieandHave · 06/05/2025 22:10

PluckyCheeks · 06/05/2025 21:58

Well, assuming they’re on benefits, spare cash may come from:

  • Universal Credit
  • Not having to pay rent or mortgage
  • No council tax
  • Healthy Start payments for food (around £25 per child per month)
  • Regular supermarket vouchers from your council. Tend to be every school holiday and about £90 a time.
  • Cost of Living Payments (£300 a go)
  • Household Support funding (into the £100s)
  • Child benefit (around £200 per month for 2 kids)
  • Not having to pay service charges for your block of flats
  • Cheap entry to places like London Zoo (£6 per adult instead of £30+) and council gym activities like Soft Play which costs us £13 each time but is only a couple of quid if you’re on benefits.
  • Vastly reduced gym membership at council gyms. Around £12 per month at my local one instead of nearly £100 if not on bennies.
  • Food bank access. Saves a lot of money!
  • PIP if you manage to claim it (£749 pm)
  • Free school meals and other help with children attending school.
  • 30 free hours at nursery instead of 15, even if you’re not working but in receipt of UC.
  • DLA and Carers allowance if you can prove one or more of your kids has ADHD, ASD, etc.
  • Reduced utility bills for Thames Water, Broadband, mobile and electricity (just provide proof of UC).
  • Winter fuel payments if temp dips below a certain amount for a certain time (don’t need to be old).
  • New kitchen and bathroom installed every number of years.
  • not having to pay out for roof repairs or any sort of other home maintenance repairs.

I’m sure I’m forgetting some!

But anyway, getting the full raft of benefits often leaves you better off month to month than a non benefit family where one parent works and the other is a SAHP, or even where both parents work but are on low-ish income. I’ve been on both sides of the fence and had more disposable cash on benefits.

Edited

Hahaha that’s a great list but none of the amounts are giving people cash to buy brand new cars. Think harder.

YouWillFindMeInTheGarden · 06/05/2025 22:10

Means tested every 3 years😂.

how would that work then?

ThisOpenMauveLurker · 06/05/2025 22:10

Blongie · 06/05/2025 22:07

You don’t get PIP so it’s a bit irrelevant to my point?

also unclear why it’s important the ‘NHS nurse’ part- the NHS is the biggest employer in the UK. Could they not supply you an ill health package perhaps?

It may explain to you why working incredibly hard doesn’t always translate into the ability to save a deposit and get a mortgage as a single person.

Do try using your brain and imagination instead of punching down for sick enjoyment.

HamieandHave · 06/05/2025 22:10

Blongie · 06/05/2025 22:07

One in ten children in this country claims DLA. I fail to see how all those claims are genuine.

Just as well you don’t need to then.

WildflowerConstellations · 06/05/2025 22:11

YouWillFindMeInTheGarden · 06/05/2025 22:10

Means tested every 3 years😂.

how would that work then?

Cost a bit in Council resources too, wouldn't it!

Blongie · 06/05/2025 22:12

ThisOpenMauveLurker · 06/05/2025 22:10

It may explain to you why working incredibly hard doesn’t always translate into the ability to save a deposit and get a mortgage as a single person.

Do try using your brain and imagination instead of punching down for sick enjoyment.

I don’t understand why if someone works for the NHS (a choice they made and get compensated for, it’s not a charity) it gives them a ring of protection to ever say anything whatsoever they may disagree with?

the NHS is the biggest employer in the country- are we really not past the ‘NHS Heroes’ trope?

Blongie · 06/05/2025 22:12

HamieandHave · 06/05/2025 22:10

Just as well you don’t need to then.

Sweetheart, you know nothing about my situation :)

Beeloux · 06/05/2025 22:13

finallyskinny · 06/05/2025 22:06

if I didn't have a car my children wouldn't be able to get to school as we live in the middle of nowhere and I wouldn't be able to get to work! I would never be able to afford rent on a 3 bed property in our area and no landlords take 6 months payments up front without a guarantor. plus how ling would it be before a landlord sold up? I saved half the down payment for my car and the rest is finance. I will never move out of my house as eldest DC will never be able to live alone, if people think I'm entitled then that's on them. after what me and my children have been through we deserve happiest and to feel secure.

I wasn’t aiming my post at you. Of course you're entitled to your home, especially if your dc cant live independently.
It’s more the couples who pretend to be single parents and fiddle the system in order to get a council house. I know of one immigrant family in a council house who also have a huge home in their home country!