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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Why do people prefer to rent rather than buying a house?

264 replies

Cocktailglass · 25/04/2026 21:14

Genuine question, AIBU to not get that in the long run you pay off mortgage, own your home to pass on to your DC and rent, especially with the high rates now, is dead money?

I do of course understand getting a mortgage is harder now and house prices, I'm talking about people who have been renting all their lives.

Unless having rent paid for on benefits, I don't get why anyone working hasn't got on the property ladder, less to pay every month with a long term mortgage, eventually nothing to pay unlike rent.

As I said, not talking about now, but decades ago. You showed your earnings, were offered the best deal of what you could borrow, bought your first home within these means, a starter home with the intention of paying far less for payments than rent, property goes up in value, you buy your next home without too much of an increase, still less than renting. So the upgrading continues and initially you just get what you can afford to get on the ladder.

Renting does give you the benefit of any problems being the responsibility of the landlord but all depends on how good they are! With council properties in a much better position as houses are upgraded and issues dealt with (hopefully) more quickly.

Plainly speaking, you work, give a significant part of your income to someone else just to live in their house, pay bills and CT. What's the benefit of this rather than knowing you're paying straight into a loan for your own property, a financial asset, it's yours? Xxx

OP posts:
Arlanymor · Yesterday 19:44

Cocktailglass · 25/04/2026 21:59

That's the point, it was much cheaper to buy decades ago of you read, talking about this time.

But lots of people were still on the poverty line decades ago too! And living hand to mouth is not a new thing and never has been.@ShetlandishMum's point stands today as it did thirty years ago. Poverty is universal throughout time.

StMarie4me · Yesterday 19:59

My bastard of a first husband left and paid no maintenance.
Second tried to stab me after a previous rape. Single mother of 4. No maintenance. Worked All my life. No deposit. Can’t save one while renting.
Is that enough for you? Oh and my rent is now £1100 for a tiny terraced house. Will work till I die.

OchreSnail · Yesterday 20:10

Bigtreeesss · 25/04/2026 21:15

🤨
what a goady post

Edited

A

OchreSnail · Yesterday 20:11

Cocktailglass · 25/04/2026 21:14

Genuine question, AIBU to not get that in the long run you pay off mortgage, own your home to pass on to your DC and rent, especially with the high rates now, is dead money?

I do of course understand getting a mortgage is harder now and house prices, I'm talking about people who have been renting all their lives.

Unless having rent paid for on benefits, I don't get why anyone working hasn't got on the property ladder, less to pay every month with a long term mortgage, eventually nothing to pay unlike rent.

As I said, not talking about now, but decades ago. You showed your earnings, were offered the best deal of what you could borrow, bought your first home within these means, a starter home with the intention of paying far less for payments than rent, property goes up in value, you buy your next home without too much of an increase, still less than renting. So the upgrading continues and initially you just get what you can afford to get on the ladder.

Renting does give you the benefit of any problems being the responsibility of the landlord but all depends on how good they are! With council properties in a much better position as houses are upgraded and issues dealt with (hopefully) more quickly.

Plainly speaking, you work, give a significant part of your income to someone else just to live in their house, pay bills and CT. What's the benefit of this rather than knowing you're paying straight into a loan for your own property, a financial asset, it's yours? Xxx

Gosh, why didn't I think of that 🙄

Seriously though, you could've just googled this, and not made a lot of people feel annoyed at your crass stupidity.

BringBackCatsEyes · Yesterday 20:11

StMarie4me · Yesterday 19:59

My bastard of a first husband left and paid no maintenance.
Second tried to stab me after a previous rape. Single mother of 4. No maintenance. Worked All my life. No deposit. Can’t save one while renting.
Is that enough for you? Oh and my rent is now £1100 for a tiny terraced house. Will work till I die.

You’ve had a horrendous time. I’m so sorry.
Your situation is not what the OP is talking about though.

Zov · Yesterday 20:24

Badbadbunny · Yesterday 15:29

Maybe not short term, but if you watch the house renovation/auction TV programs, you see the state that houses get into over several decades when there's been minimal maintenance. You can't really live in a house for, say, 40-50 years without having to replace windows & doors, roof, heating/electrical systems, rewiring, kitchens and bathrooms, etc. If you don't replace the infrastructure, they lose value quickly and end up having to be sold as a renovation project, or maybe auction if bad enough.

This. The 'every home I have owned has never had hardly any repairs and maintenance money spent on it' type of comments are baffling me. There's no way that people are going through all their lives owning house after house without spending significant sums of money at some point. If they stay in the same house 30 years or more, it WILL require multiple 1000s, probably 10s of 1000s spending on it over the years.

And if they keep moving house every few (say 5 to 7 years ) are they trying to tell me that these houses never need any money spending on them? EVER...? No new boiler, ever? No damp issues, no new electrics, no leaks, no problems with the roof? Nothing, ever apart from what you chose to spend money on..........? Nah, not buying it. And this unexpected shit that EVERYone has is in addition to needing to replace the bathroom and kitchen and windows and doors etc because they get old and dated and wear out.

Some people are kidding themselves methinks. Can't kid me though! Grin I'm not daft, I've owned houses, and know many many people who have too! No way are people getting away without spending 1000s and 1000s on repairs and maintenance on property(s.) At some point in their lives.

SurreySenMum26 · Yesterday 21:12

Abso · 25/04/2026 22:57

Equity can go up and down as well. My friend never had any equity the whole time she owned her house.

That's a shame. My equity on my houses has only ever increased. My current house almost doubled in price in five years. I know if I wanted to buy today as a ftb it wouldn't be possible

WhistPie · Yesterday 21:30

Zov · Yesterday 20:24

This. The 'every home I have owned has never had hardly any repairs and maintenance money spent on it' type of comments are baffling me. There's no way that people are going through all their lives owning house after house without spending significant sums of money at some point. If they stay in the same house 30 years or more, it WILL require multiple 1000s, probably 10s of 1000s spending on it over the years.

And if they keep moving house every few (say 5 to 7 years ) are they trying to tell me that these houses never need any money spending on them? EVER...? No new boiler, ever? No damp issues, no new electrics, no leaks, no problems with the roof? Nothing, ever apart from what you chose to spend money on..........? Nah, not buying it. And this unexpected shit that EVERYone has is in addition to needing to replace the bathroom and kitchen and windows and doors etc because they get old and dated and wear out.

Some people are kidding themselves methinks. Can't kid me though! Grin I'm not daft, I've owned houses, and know many many people who have too! No way are people getting away without spending 1000s and 1000s on repairs and maintenance on property(s.) At some point in their lives.

I've owned houses for 40 years. The only major outlays I've had have been when we did a loft conversion, so at the same time we added a new boiler (approx 2k) and replaced the tiles on the roof (had to as we were changing to a dormer, it added 2k to the conversion cost) and I replaced the boiler in house no 4 after 15 years as the parts were becoming difficult to source - that cost 1.5k which isn't a massive amount of money in the grand scheme of things.

The boiler in house no 3 would have needed replacing but it was still going when I sold the house.

StMarie4me · Yesterday 21:40

BringBackCatsEyes · Yesterday 20:11

You’ve had a horrendous time. I’m so sorry.
Your situation is not what the OP is talking about though.

Thank you. I think it was the blase assumption that enraged me. As the parent who stayed I was judged at every turn.
But my adult children are wonderful and I am incredibly proud of them all. So it wasn’t all bad 😊

Allisgoodtoday · Today 09:03

I'm one of those (apparently rare) people who prefer to rent. I apologise in advance for a long post - I have written this in case the OP (or other readers) is genuinely interested in the views and experience of a 'choice renter'.

I was a late 50s baby and grew up in an era when renting in the UK was actually cheaper than having a mortgage. Almost 50% of the population rented then, it was considered far more normal. My parents managed to buy a cottage-in-a-field to do up for the £2000 they'd saved up (!!) and they lived there for the rest of their days. During my childhood, the thing which was most frowned upon was having a mortgage, as you were 'tied' to a mortgage company for 25 years - a life sentence! Also, the idea that someone would buy a property as an investment wasn't prevalent, people bought a house to turn into a home. Full stop.

That changed during the Thatcher years when Thatcher pushed the house buying idea. Since then the drive has been to buy your own property, leading to the modern view of renting which deems renters as "lesser citizens" because we haven't bought our own home.
For this reason, if ever asked, I always say I intentionally rent.

My experience living overseas has shown me that in other parts of the world renting still doesn't carry such a stigma; and in places such as Scandinavia, rent controls make the process so much fairer.

Why do I choose to rent?

Being able to choose how and where I live (I have lived in, and still do, occupy lovely properties situated in beautiful surroundings which I could never, ever have afforded to buy but I can afford to rent).

The freedom from having to pay for repairs and maintenance - if the roof blows off it isn't me that has to pay for it.

The freedom of being able to move easily - two month's notice and I can be gone. No advertising/estate agents, solicitors and so on. I'm not tied to anywhere.

Now I'm older it will be so easy for my family when I die or go into a nursing home. I've reduced my belongings to a minimum, there's not much for them to clear, they hand the keys over to the landlord and it's done. Having cleared and then sold my late mother's place, it took forever and was such a worry. My family won't have to go through that.

Add to that the obvious reasons which other pp have cited, mostly to do with being on low wages, the impossibility of raising a large deposit, the rising cost of housing and so on.

I'd also like to say that "renting" covers a much wider spectrum than the obvious suburban house or executive flat for a professional situated in the city centre type scenario.
There are all sorts of rural cottages available for rent at cheap prices, where you can live in peace for a long as you wish and decorate/do up the place as you wish too. I have rented some of them. There are some fantastic landlords around who do not over charge (yes, I know, plenty of awful ones too) - the good ones deserve praise, landlords come in for too much negative comment these days.

You also need to consider the wide range of renters themselves.
Of our 10 million pensions, 1.4 million exist on state pension only and the majority of those rent.
There are roughly another 68,000 who live in 'tied accommodation' which is tied to their jobs but which requires some small rent. These include farmers and agricultural workers, some country house hotel employees, and those within the church such as clergy.
By far the largest renting sector is our young people, over 69% of 16-24 year olds have to rent as the cost of housing in the UK is too great. That's a huge jump from the 1990s when only 10% of young people rented. Amongst young families, Google tells me that there are 1.8 million who rent.
Which all leads me to believe the subject of renting is far, far more complex than we would like to believe.

GasPanic · Today 16:06

WhistPie · Yesterday 21:30

I've owned houses for 40 years. The only major outlays I've had have been when we did a loft conversion, so at the same time we added a new boiler (approx 2k) and replaced the tiles on the roof (had to as we were changing to a dormer, it added 2k to the conversion cost) and I replaced the boiler in house no 4 after 15 years as the parts were becoming difficult to source - that cost 1.5k which isn't a massive amount of money in the grand scheme of things.

The boiler in house no 3 would have needed replacing but it was still going when I sold the house.

We don't need to base the cost of these things on the anecdote of one lucky or unlucky individual.

It's widely accepted that house maintenance is estimated to cost 1% of the value of a house per year, somewhat more in older houses.

For a long time renting has been at a disadvantage to home ownership via mortgage because of value appreciation of the house.

It's no longer clear that significant value appreciation in the housing market is going to take place, at least in the near future.

GasPanic · Today 16:09

Zov · Yesterday 20:24

This. The 'every home I have owned has never had hardly any repairs and maintenance money spent on it' type of comments are baffling me. There's no way that people are going through all their lives owning house after house without spending significant sums of money at some point. If they stay in the same house 30 years or more, it WILL require multiple 1000s, probably 10s of 1000s spending on it over the years.

And if they keep moving house every few (say 5 to 7 years ) are they trying to tell me that these houses never need any money spending on them? EVER...? No new boiler, ever? No damp issues, no new electrics, no leaks, no problems with the roof? Nothing, ever apart from what you chose to spend money on..........? Nah, not buying it. And this unexpected shit that EVERYone has is in addition to needing to replace the bathroom and kitchen and windows and doors etc because they get old and dated and wear out.

Some people are kidding themselves methinks. Can't kid me though! Grin I'm not daft, I've owned houses, and know many many people who have too! No way are people getting away without spending 1000s and 1000s on repairs and maintenance on property(s.) At some point in their lives.

Have a look at a few probate houses.

A significant proportion are in a ruinous state because they have no money spent on them and the owners don't really care.

cestlavielife · Today 16:33

Yes. Those elderly who own their own home (great! In one way...no rent...)
But they do not or can not or will not maintain them on a small pension (or have ££ but cannot manage to)
It is not so simple imagining that your own home in old age is not a cost and will be all lovely
Paying out hb is not the answer either

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