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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think housing in this country is fundamentally broken?

426 replies

BrokenHousingLogic · 15/12/2025 15:25

Whether you rent privately, rent socially or own, it feels like the system isn’t really working for anyone.

• Rents are high and insecure
• Buying is out of reach for many
• Social housing is under strain
• Landlords and tenants feel pitted against each other
• Local authorities seem overwhelmed

It often feels like people are arguing with each other instead of addressing the fact that the whole structure is failing.

AIBU to think this goes beyond individual choices and points to a system-wide problem?

OP posts:
Thread gallery
5
Coconutter24 · 21/12/2025 20:27

To think housing in this country is fundamentally broken?

Fixed your title for you

Yellowshirt · 21/12/2025 22:17

We don't need to build more houses. The priority should be stopping all immigration for a minimum of 2 years.
Another 850 people come across illegally yesterday. So there's another 300 homes gone immediately in 1 day.

OhDear111 · 21/12/2025 22:34

@Talkinpeace Councils don’t have building departments. They won’t build anything. They rely on house builders who have the professional skills and trades. They just need to allow building via pp.

Meadowfinch · 22/12/2025 06:35

OhDear111 · 21/12/2025 22:34

@Talkinpeace Councils don’t have building departments. They won’t build anything. They rely on house builders who have the professional skills and trades. They just need to allow building via pp.

If only it were that simple.

Three years ago a developer wanted to build 400 houses on a field near us. Not prime agricultural land so maybe a possibility but it was thrown out because:

  • We have no junior or senior school, no nursery, no church, no pub, no local employment. The closest schools are all more than 3 miles away.
  • Our sewage plant is already over capacity and waste is tankered away at night
  • The only road in is single track with passing places, and closed by flooding every winter
  • Our electricity supply is above ground and fails frequently.

Councils have to do a little more than 'just grant pp'. They have to ensure developments will be viable.

Meadowfinch · 22/12/2025 06:45

Talkinpeace · 21/12/2025 17:16

6% of the UK is urban.

The vast vast majority of the land is not even actively farmed.

The whole of the UK's housing needs could be met by putting terraced houses for social rent onto brownfield sites.
Those cheap houses would drop the floor of the housing prices
and make all other normal homes affordable again.

It will not happen though
because politicians are in the pockets of developers.

Wrong @Talkinpeace . The Utilized Agricultural Area of the UK, ie the part that is actively farmed is 71%.

That produces approx 50% of our food needs, although if we cut out food waste, we produce about 66% of our needs, which still leaves us vulnerable in terms of food security

HelenaWaiting · 22/12/2025 06:49

Yellowshirt · 15/12/2025 17:59

I'm divorced and single. I would be happy in a modern flat with a bit of outside space but due to lease hold fees and annual maintenance fees which adds upto £3000 per year on top of the flat I'll keep saving for a 3 bedroom house.
A 2 bedroom house is approximately £220000 and a 3 bedroom is approximately £260000. So even though the 3 bedroom will be massively to big for me it's still better value than the 2 bedroom.
The government could step in tomorrow and help with the housing crisis but no one with any common sense works in this Labour government.

Yes, the housing crisis arose out of the blue when Labour took power. Before that, it was all candy castles and unicorns. 🙄

Seymour5 · 22/12/2025 10:09

HelenaWaiting · 22/12/2025 06:49

Yes, the housing crisis arose out of the blue when Labour took power. Before that, it was all candy castles and unicorns. 🙄

Of course it wasn’t, but that was a different government. One step Labour could have taken was to stop Right to Buy.

Yellowshirt · 22/12/2025 19:47

HelenaWaiting · 22/12/2025 06:49

Yes, the housing crisis arose out of the blue when Labour took power. Before that, it was all candy castles and unicorns. 🙄

I'm not saying it hasn't been broken for a long time..I'm saying Labour has no one with any common sense to fix the country never mind a single issue like getting people out of expensive private rentals into affordable , well built homes.

taxguru · 22/12/2025 20:00

gogomomo2 · 21/12/2025 20:26

I don’t think it’s fundementally broken nationwide, there’s just issues in certain places. The solution is actually to spread the population out across the country to places where there’s excess housing and plenty of potential for brownfield development. The concentration of the wealth in the se is the problem. Where I live 20 somethings are buying houses, there’s also social housing, shared ownership etc. council list for social housing is manageable.

Nail on the head. Lots of housing available in the wrong places because there are no jobs. Meanwhile, decent jobs have been centralised in London and a few other big cities where housing is a massive problem due to demand when people have had to move to those areas for the jobs. Simple solution is to "encourage" employers to re-open regional offices/depots etc and reverse the centralisation, maybe by grants, incentives, tax reliefs etc.

taxguru · 22/12/2025 20:01

HelenaWaiting · 22/12/2025 06:49

Yes, the housing crisis arose out of the blue when Labour took power. Before that, it was all candy castles and unicorns. 🙄

Of course not, but 13 years of Brown and Blair and they did bugger all to address the problems, in fact they made things worse with their policies and decisions. No sign that Starmer is doing anything to solve the problem either.

OhDear111 · 22/12/2025 20:20

@taxguru People don’t want Rochdale over London. Not going to work.

taxguru · 22/12/2025 20:29

OhDear111 · 22/12/2025 20:20

@taxguru People don’t want Rochdale over London. Not going to work.

We can't have all workers in London though, can we? Something needs to be done to spread the work around the country. The centralisation is utter madness. If there were good jobs in Rochdale, at least those brought up in and around Rochdale may stay there for jobs rather than being forced to move to London, at least the younger ones would be able to continue to live at home for a little while to save deposits rather than losing over half their wages in rent alone for a dingy room in a house share.

OhDear111 · 24/12/2025 09:26

@taxguru They are not all in London now. BBC and many others have mined out. However we need a highly functioning capital city with strong international business links. We cannot just move business to where workers don’t want to be or aren’t available. London generates more tax than anywhere else by quite a long way. Destroy employment in London and everyone suffers. I’d be amazed if many Rochdale residents move to London! Most likely commute to Sheffield or Leeds. If employers thought run down towns were fertile recruitment areas, they would set up there. As it is, they don’t. There are of course many state employment opportunities and in many areas the state pays well and employs very many people.

There are always many who don’t want to work and they are in some areas more than others. I can see why some areas don’t attract employers.

boys3 · 24/12/2025 09:56

Why would someone in Rochdale most likely commute to Sheffield or Leeds? @OhDear111 surely if anything they’d hop on the tram into the centre of Manchester?

it’s almost as if you haven’t the first idea where Rochdale actually is.

OhDear111 · 24/12/2025 11:45

@boys3 You are right! I wrote Rochdale when I meant Rotherham! Brain addled by Christmas already. But the general point stands, neither town will be seeing vast numbers going to London. They have employment within reach and the blessing of cheap housing. If they work for nhs or are a teacher, residents can have a decent standard of living. Far more challenging in London. But we should not forget the huge tax payments by people who work in London as a % of tax take.

Talkinpeace · 26/12/2025 13:39

The proportion of OAPs in the country is rising.
Housing them appropriately is key to freeing up family homes.

A proper Social Rent market that allows people to move around easily
will reduce the gravitational pull of the South East

Purplebunnie · 26/12/2025 14:02

Only 18 posts in and it's the boomers fault yet again - boomer landlords

Just who are you going to blame when the boomer generation are gone

Purplebunnie · 26/12/2025 14:04

Talkinpeace · 26/12/2025 13:39

The proportion of OAPs in the country is rising.
Housing them appropriately is key to freeing up family homes.

A proper Social Rent market that allows people to move around easily
will reduce the gravitational pull of the South East

And this OAP is so fucked off with being blamed for everything I absolutely refuse to downsize and I will cut off my nose to spite my own face

Sick of the ageism so fucking sick of it

Talkinpeace · 26/12/2025 14:26

If you can afford to manage your home without claiming housing benefit or pension credit
fine, enjoy the space and the guest rooms.

Many cannot.

Many pensioners are living in private rented at huge cost to the local councils and unable to move to be nearer friends or family because of the insane costs.

Many pensioners are having to work into their 70's and 80's to pay commercial rents, when social housing would make their lives much better.

Many pensioners feel trapped in their large homes, unable to heat all of the rooms, but scared to take in lodgers.

The whole housing market is geared towards those able to buy from new builders whose profits are subsidised by policies such as help to buy.

It does not work.

Daisymay8 · 26/12/2025 15:16

I wonder how much paying housing benefits has skewed the housing in the U.K. if the poorest unemployed person is given enough money to cover their rent payments then they aren’t forced to move to a cheaper area. And if landlords know that regardless of rent the gov will step in and pay due to shortage of housing then where is the competition for tenants -there’s none.

LondonLass61 · 26/12/2025 15:35

Purplebunnie · 26/12/2025 14:04

And this OAP is so fucked off with being blamed for everything I absolutely refuse to downsize and I will cut off my nose to spite my own face

Sick of the ageism so fucking sick of it

Absolutely 💯agree. The ageism on Mumsnet in particular is getting so much worse.
In addition, there is constant building of flats in London that working Londoners cannot afford to buy/rent. It is way past time to stop allowing non resident overseas buyers from owning property in the UK.

cityanalyst678 · 26/12/2025 15:55

bugalugs45 · 15/12/2025 15:36

Please don’t build any near me , the traffic from the dozen or so new housing estates is utter chaos on the daily , not to mention the hospitals that can’t cope!
Where’s underpopulated in the country ? Build some there …

Or make it illegal to own more than one house. Imagine how many surplus houses we would have then. Scrap stamp duty so the elderly are encouraged to downsize. Make it illegal for foreign investors to buy here and leave them empty.

Talkinpeace · 26/12/2025 18:48

LondonLass61 · 26/12/2025 15:35

Absolutely 💯agree. The ageism on Mumsnet in particular is getting so much worse.
In addition, there is constant building of flats in London that working Londoners cannot afford to buy/rent. It is way past time to stop allowing non resident overseas buyers from owning property in the UK.

I am 60.
I own my house outright and under occupy most of the year.

I am not ageist.
I just know that the money being spent by government of all levels on housing
is being misapplied.

Dbank · 26/12/2025 18:58

Not sure what you mean by “broken”, as the market is largely defined by supply and demand.
demand is high as we have a growing population, which isn’t being matched by a similar growth in building.
The number of new builds has actually fallen since Labour came to power, so I don’t think we’re about to see a significant improvement in the near term.

38thparallel · 26/12/2025 19:00

Or make it illegal to own more than one house

How would that work re renting holiday houses? Of would there just be hotels?
What about tied houses? Would they also cease to exist?