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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think that there is a misunderstanding about social housing.

787 replies

Bitchesbelike · 06/05/2025 21:50

On social media, lots of people assume that people in social / council housing are getting a free house and don’t work.

i grew up in social housing: my dad worked from age 15 to 65.

my brothers have worked since they were 16 and both live in social housing.

its not “free housing”: it’s rented, affordable accommodation.

OP posts:
Thread gallery
13
soupyspoon · 06/05/2025 23:15

GarlicPile · 06/05/2025 23:03

Social housing providers get government LOANS to build (or sometimes buy) properties, which they have to pay back with interest. They also build/buy properties with the money they make from rents.

Yep, that's right - the money they make from rents. They charge less rent NOT thanks to any subsidies, but simply because they aren't gouging their tenants like private landlords do.

The answer isn't to keep being mean-minded about social housing, but to encourage more building by HAs and councils. This could be done with a levy on private developers.

The Conservatives imposed a whole set of weird strictures on social housing providers, which essentially prevented them making any money to fund new builds. I haven't kept up to speed with that but, if they're still having their hands tied, that needs to end.

Edited

Subsidy by another word then. Whatever that word is.

Im not sure why people get so arsey about this, we should have subsidised or cheaper social housing, its not a problem to say that.

Theres nothing wrong with having a private rental sector either, except that in his country the governments over time have preferred t have the private sector prop up all rental properties rather than have a health social housing sector.

XenoBitch · 06/05/2025 23:16

ConcernedFriendgbvc56 · 06/05/2025 23:15

But if you get UC housing element and it covers the rent then it literally is a free house isn’t it? You get given money not everyone would and you get a house for money you haven’t earned?

Does is matter? Someone has a roof over their head, which is great.

BreezyBertha · 06/05/2025 23:19

AirborneElephant · 06/05/2025 22:51

There is no difference. But if you’d prefer to call it charity that’s fine. My point still stands.

There is a big difference in houses being built on government owned land (so the cost of building them is massively reduced as the most expensive part of building a house is buying the land in the UK), tenants paying rent for 20-30 years to cover the building costs (again reduced as buying materials in bulk and basic fixtures and fittings) and then after that the rental income going back into the government coffers after maintenance. Even if the rent is paid by housing benefit, the rent payments are still going back to the government. The government still has an asset which generates income. They should never be sold so the increase in value of the property is irrelevant.

As opposed to a tenant paying a landlord’s mortgage so that landlord then has an expensive asset paid for, and benefits from the increase in value at the same time which they can capitalise on, by someone else’s hard work and/or conversely the government using tax payers money to fund the landlords mortgage in the form of housing benefits with no asset to the government or income generation after it is paid off.

Councils are not for profit. Landlords are.

Who is being subsidised in the above scenarios?

crackofdoom · 06/05/2025 23:20

XenoBitch · 06/05/2025 23:16

Does is matter? Someone has a roof over their head, which is great.

And they are costing the state much less than if they were privately renting and claiming housing element.

SnoreyCat · 06/05/2025 23:21

ArminTamzerian · 06/05/2025 22:49

It's not subsidised, it's just not for profit. Big difference

And how do you think they can afford not to make a profit? Could it be because the business is subsidised by government funding?

GarlicPile · 06/05/2025 23:21

soupyspoon · 06/05/2025 23:15

Subsidy by another word then. Whatever that word is.

Im not sure why people get so arsey about this, we should have subsidised or cheaper social housing, its not a problem to say that.

Theres nothing wrong with having a private rental sector either, except that in his country the governments over time have preferred t have the private sector prop up all rental properties rather than have a health social housing sector.

Agree with your general point, but business loans aren't subsidies!

GarlicPile · 06/05/2025 23:23

SnoreyCat · 06/05/2025 23:21

And how do you think they can afford not to make a profit? Could it be because the business is subsidised by government funding?

FFS, they are not-for-profit enterprises. They make profits and plough them straight back into the business. That's how all non-profits work. No subsidies involved.

crackofdoom · 06/05/2025 23:23

SnoreyCat · 06/05/2025 23:21

And how do you think they can afford not to make a profit? Could it be because the business is subsidised by government funding?

Not by very much any more, sadly. But any subsidies they do get are earmarked for building new houses, not put towards lowering rents.

Gogo509 · 06/05/2025 23:24

UC housing element payments are also subsidising private landlords mortgage payments too.

Viviennemary · 06/05/2025 23:27

It is subsidised housing. And needy people dont have access to these homes because folk are given lifetime tenancies even when they can well afford to buy or rent privately. And the usual answer of build more homes is nonsense. It hasn't happened yet and probably never will.

Wherewillitend25 · 06/05/2025 23:30

Of course it is subsidised. HAs are currently waiting for the next round of funding for new build programmes to be announced from central government.

Someone2025 · 06/05/2025 23:42

Bitchesbelike · 06/05/2025 21:50

On social media, lots of people assume that people in social / council housing are getting a free house and don’t work.

i grew up in social housing: my dad worked from age 15 to 65.

my brothers have worked since they were 16 and both live in social housing.

its not “free housing”: it’s rented, affordable accommodation.

I think they are given a bad name as all the people who can work but choose not to work are housed in them giving hard working people like your family a bad name

Apparently in the 70s in the UK around a third of the population was living in social housing, so a lot of people these days probably had some grand parents / parents / relatives living in them at some point for one reason or another

JenniferBooth · 06/05/2025 23:44

Starseeking · 06/05/2025 22:37

Although it’s not free, social housing is very heavily subsidised. Rents of £100-200 per week are common for 1-3 bedroom places in central London, compared to the local market which in some cases could be £500-800 per week.

In addition to that, lots of social housing tenants have their rents paid by housing benefit directly to their landlord, so the tenant isn’t technically having to find the money themselves. That may be where some of the misconception of “free” originates.

Speaking of subsidised.
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

https://www.the-londoner.co.uk/notting-hill-genesis-london-biggest-landlord/?ref=the-londoner-newsletter

How a charity founded to solve the housing crisis became one of London’s worst landlords

What went wrong at Notting Hill Genesis?

https://www.the-londoner.co.uk/notting-hill-genesis-london-biggest-landlord/?ref=the-londoner-newsletter

XenoBitch · 06/05/2025 23:44

Someone2025 · 06/05/2025 23:42

I think they are given a bad name as all the people who can work but choose not to work are housed in them giving hard working people like your family a bad name

Apparently in the 70s in the UK around a third of the population was living in social housing, so a lot of people these days probably had some grand parents / parents / relatives living in them at some point for one reason or another

What do you think should happen to the "people who can work but choose not to"?
Do you think they should be kicked out onto the street?

If you have any idea of how the benefit system works, you would know that no one chooses not to work and as an easy life.

FedupofArsenalgame · 06/05/2025 23:45

Octavia64 · 06/05/2025 22:10

It’s a lot cheaper than private rental.

just saying.

Because private rentals are for profit whereas social housing shouldn't be

SnoreyCat · 06/05/2025 23:47

crackofdoom · 06/05/2025 23:23

Not by very much any more, sadly. But any subsidies they do get are earmarked for building new houses, not put towards lowering rents.

Quite, but that means rental income does not have to cover the cost of new houses which the business needs in order to develop. Therefore, rental prices are effectively subsidised by the government/ other grants or income streams.

I am very pro social housing. I grew up in social housing. However, it’s not true to say that social housing rents are equal to the cost of provision - because that’s the whole
point of it.

Someone2025 · 06/05/2025 23:48

XenoBitch · 06/05/2025 23:44

What do you think should happen to the "people who can work but choose not to"?
Do you think they should be kicked out onto the street?

If you have any idea of how the benefit system works, you would know that no one chooses not to work and as an easy life.

Edited

you would know that no one chooses not to work and as an easy life.

Don't be ridiculous, everyone knows there are plenty of people like that around, there was even a post on here yesterday about a woman admitting that her sister was committing benefit fraud…..everyone is aware this goes on

XenoBitch · 06/05/2025 23:49

Someone2025 · 06/05/2025 23:48

you would know that no one chooses not to work and as an easy life.

Don't be ridiculous, everyone knows there are plenty of people like that around, there was even a post on here yesterday about a woman admitting that her sister was committing benefit fraud…..everyone is aware this goes on

I saw that thread. OP's sister is not able to work. The fraud was her not declaring a live in partner.

JenniferBooth · 06/05/2025 23:50

fiveIsNewOne · 06/05/2025 22:56

The lifetime tenancies concept is weird. While it is great for the person living there, it means that one home is blocked for ages, even if the tenant would be able to live on their own and someone else could benefit form the leg up of lower rent and temporary stability.

Lifelong tenancies are increasing the discrepancy between those lucky to get this opportunity and those who didn't.

BULLSHIT.

The Elephant and Castle neighbourhood is being physically, socially and ethnically transformed. This started with the demolition of the Heygate estate, a classic for stigmatised perceptions of council housing and the people who live in it. As the local 35% Campaign has meticulously documented, a succession of promises to Heygate residents were broken to arrive at a situation where 1,214 council homes were demolished, to be replaced with 2,704 new homes, of which only 82 (3%) are for social rent. The HA partner was London and Quadrant. To be eligible for the cheapest one-bedroom home built by them on the Heygate site, people needed a minimum household income of £57,500. The average household income in that part of Southwark is £24,324

Do the fucking maths. 1,214 council homes replaced with 82 social homes

FedupofArsenalgame · 06/05/2025 23:50

NebulousWhistler · 06/05/2025 23:08

To give you an anecdote, I own a 2 bed flat in a Victorian terraced house. The upstairs flat is also a two bed, it’s council owned. I bought mine from the council when they sold it at auction a few years back. It’s located in a nice part of the world; houses on the street usually sell for around £1.8-£2.2m.
Anyway I’ve gotten to know the tenants upstairs from when I did the renovations. She and her husband have 3 children and as part of another conversation, she mentioned to me that their rent is fully covered by housing benefit. Her flat on the open market would probably rent for £3k per month.
My tenants, in a similar sized flat downstairs but with garden, pay £3,200 per month.

That doesn't say how much the rent was though. Just that those particular tenants get housing benefits . Different people in the same property might now

Someone2025 · 06/05/2025 23:51

XenoBitch · 06/05/2025 23:49

I saw that thread. OP's sister is not able to work. The fraud was her not declaring a live in partner.

Still benefit fraud of some sort is being committed up and down the country and everyone is aware that it is going on, any post that is benefits related on MN has commenters admitting they personally know people who are doing it,

YouWillFindMeInTheGarden · 06/05/2025 23:52

XenoBitch · 06/05/2025 23:05

My parents looked to downsize from their under occupied 3 bed house. No properties available. 1 bed are in huge demand.

I struggled to go down from my 5 bed to a 4 bed

you can’t just move, you have to find someone to swap with who is eligible

tgen jump through other hoops too

FedupofArsenalgame · 06/05/2025 23:54

ConcernedFriendgbvc56 · 06/05/2025 23:15

But if you get UC housing element and it covers the rent then it literally is a free house isn’t it? You get given money not everyone would and you get a house for money you haven’t earned?

You can also get UC housing element in private rentals Would imagine actually more likely as rents higher

XenoBitch · 06/05/2025 23:55

YouWillFindMeInTheGarden · 06/05/2025 23:52

I struggled to go down from my 5 bed to a 4 bed

you can’t just move, you have to find someone to swap with who is eligible

tgen jump through other hoops too

Yep, I know people who are struggling to swap like for like.

JenniferBooth · 06/05/2025 23:55

FedupofArsenalgame · 06/05/2025 23:54

You can also get UC housing element in private rentals Would imagine actually more likely as rents higher

Aww dont spoil their fun with facts.

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