Lifetime Social Housing Tenancies

[RowsOfFlowers]

Am I wrong or being unreasonable to think that this new policy that Labour are bringing in is very unfair?

I come from a poor-ish background (as in no one in my wider family has any money). However, my mum and Dad did fairly okay and managed to move up the property ladder (through sheer hard work and sacrifice). My dad died a few years ago and so now it’s just my mom. We never received any benefits - and now my DH and I live in a house and pay a high interest rate (thanks Truss) and I don’t know if we will ever pay off our house (if I am to have children and go part time), so we will need to downsize. We don’t qualify for any benefits either but we are in the squashed middle, so we really feel it when anything rises in cost and don’t get any help.

I feel really cross that someone can benefit from social housing for a lifetime, no matter how much they go on to earn, and then if they pass away, they can pass it down as an asset.

I have a friend who’s parents came to this country, got given social housing, their children paid it off (40% discount) and now they all get to keep a £650k house in London. It doesn’t seem fair to me at all. I feel really disillusioned living in the UK.

I’m just interested why you feel you have a “level of stress” with owning? I ask kindly since you may be overstretched with your borrowing. If you had a decent deposit and can afford to overpay, you should be able to relax a little better about your situation. Btw the only people I know in social housing work full-time and I do know someone who used the government safety net to help with their mortgage so you should be able to access that too.

Just the cost of living, and everything else - I.e council tax, energy bills, fuel, food, professional registrations, commuting costs. We haven’t over-stretched. I’m tired of being blamed for buying a house and being accused of over-stretching.

But you just asked another poster how much her rent is ?

Funny enough the relevance is that you asked why they couldn’t save and pay “like the rest of us” and I just informed you that they did pay the £10000 to move.

Due to the context of our interaction. They said they lived in HA but paid full rent. Full rent in the context of what they’re saying is still going to be below market rate. It’s like people who receive benefits calling it “pay day” or “I’m being paid today.” No, it’s a benefit, and it’s not pay day.

That’s great.

Seriously, what on earth are you on about?

Are you suggesting that everyone who is in social housing gets their rent paid?

What a breathtakingly ignorant and innaccurate comment.

If myself and my partner need to move, we have to pay loads in solicitors fees, stamp duty etc. so yes, we would also need to spend somewhat the same. That’s how much it costs to move. That is reality.

Err, obviously not.

The poster said they paid full rent in HA. Thats not going to be market rate private rental costs.

One rule for one, and one rule for another on this thread! OP can ask whatever she wants, but then gets salty when people ask her things.

Yeah, of course HA rent is not as much as the private rent cost would be.

So what?

You are sounding like you won't be happy until everyone is struggling financially (like you appear to be - reading between the lines........)

.

Councils and housing associations aren’t profit making businesses - unlike many private landlords.

Council and HA tenants aren’t getting their roof
for ‘free’ any more than anyone else is.

Not really. It’s just not relevant to the thread 😊 What I pay monthly for my mortgage isn’t really necessary to the discussion about lifetime social housing tenancy. Sorry you can’t see that.
If you use the HMRC app, you can see a breakdown of the costs of where your tax goes.

All I know of you is what you’ve described here so I’m not blaming you for anything!
Cost of living
Council tax
Energy bills
Fuel
Food
Professional registrations
Commuting costs…
All have to be paid whether home-owner or tenant. Two colleagues are 73 still working full-time NMW in a shop. One rents one owns. It’s shocking out there and not much better for me. Keep positive for the next generation, they’ll have it worse! Good luck.

I know this.

But it’s still not the same as someone not in SH as they likely won’t need to pay hefty deposits or extra charges and if they fall behind in rent, can get support.

It so is. I’m not allowed to comment further because apparently I’m a troll but the OP has an unhealthy obsession with other people’s circumstances and money. People in SH pay tax on their earnings the same as everyone else. Not all tenants are in receipt of benefit. The argument doesn’t seem to go beyond some sort of outdated, weird lack of knowledge around social housing. This kind of ignorance is usually based around some sort of jealousy and resentment of getting something for nothing that the misinformed think they’re missing out on.

It was 52 quid less than the private rent at next door. I paid full rent.

That has got fuck all do with how hard we were working at our jobs? What point are you trying to prove here?

It is relevant though. You are hugely judging people in social housing for not paying exhorbitant rents for their homes, (and seemingly getting quite annoyed by it!) and demanding to know what people rents are, but you're saying 'mind your own business!' when people ask what your mortgage payment is.

Again reading between the lines, it's clear your mortgage payment is an amount that you are struggling with, and that is why you are projecting on this thread...

But mortages are often cheaper than renting.

And there we have it. So it’s not “full rent” in the same context.

I think I’m entitled to feeling bitter when literally so many people around me are getting hand outs, and I have to work to get anything myself!

Not always!

100 per cent

Mate, you are not one to judge anyone for 'having nothing better to do' 😂

Not really. I think the course of this thread is being derailed now and some of you are just coming at me out of defence. It’s detracting from the discussion of the subject.

You melted yesterday because other posters didn’t agree with your outdated jealous views but you can’t seem to leave it alone