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.

No, I can vote for a political party that represents my views. I'm sure one will come along soon enough as I would bet the majority of the population don't support lifetime tenancies.

That's what i don't understand people choose to get a mortgage knowing there are risks then us social housing tenants get the blame. Or told its not fair.

All we can do is laugh at the absurdity put a thread like this up and people tell you you should of "chose better" and should of got a council house or a rich husband yourself.

If you were to put up a thread saying you intended to marry a man for money you'd get denounced as a gold-digger. And God only knows the response if you put up a thread mentioning your plans to get a council house (would involve living in a bed and breakfast for over 5 years with your children so by the time it was over they'd definitely remember that shit)

You cannot win on mumsnet 😂

Surely when people enter in to mortgages they are aware that interest rates can go up or down? Yes, I know Truss was a disaster and left many, many people in difficult circumstances, but I still think they probably should have been aware. Interest rates have been much higher than this in the past.

I disagree OP I think it's the opposite. The fair way would be social housing with lifetime tenancies for everyone. Build far more of it, and/or the government buys up all the private rentals and ends the horror of private renting completely. Everyone either lives their lives in a secure, lifetime tenancy, or they have the choice to buy a different kind of house if they wish but social tenancies can be a norm for most people. When my grandparents married in the 1950's the first thing they did, like all sensible working class people at the time was put their name down for a council house in a beautiful new build council estate with playgrounds and libraries and communities. This should be what we aspire to have for everyone now. End the struggle for basic survival and we can all achieve far more with our lives.

Nope, you absolutely cannot. Everyone wants to stick the knife in!

This is absolutely not the norm now though, is it? We don’t have beautiful new build council estates. And if you put your name down, you’re waiting 5+ years and in temporary accommodation - often trumped by people spitting out children.

If the government were to build loads more, that will take years, and years.

I really don’t like being compared to the golden era of the 1950s. There was a much lower population then as well.

They are rentals and this has always been the case.

There's was nothing stopping your parents from applying

If home ownership isn't for you then sell the bloody thing and rent for the rest of your life.

Always looking in the neighbours pot to check then don't have more than you, human nature. It's pathetic the way people go on.

I think your response is pathetic 🤣 Absolutely no critical thinking whatsoever, just judgement and name-calling. Thanks for such a useful contribution to this discussion…

I hate how people on this thread are trying to silence those of us in seemingly “privileged” positions who live in houses or have mortgages. Almost like we are not entitled to our own thoughts and feelings… I am part of the electorate too you know, just like all of you.

Like I will repeat time and time again - I am not criticising those in social housing, I am critical of the system.

This is disgusting! You know damn well that many people take out mortgages because they can't access social housing and need some housing security and to save a bit of money. You can't sit there in your lifetime assured social housing and talk about the risk associated with taking out a mortgage when you know full well that you are in the least risky position possible thanks to the tax payer. This two tier system is unfair! You are being subsidised by everyone else and then act as if other people should be glad to do this for you whilst also be totally delighted that their options are either taking their chances in the private rental market or taking on a mortgage.

No dear you don't get me that way. You're obviously here pulling out leg, get maximum froth with your bingo card. Bless you, you don't even know SH are rentals.

It's not those in SHs fault you didn't grow up in one.

I can’t even understand what you’re trying to say.

10000%

Also what has growing up in SH got to do with anything? Lol.

Social housing is not subsided.

Oh don't go ruining their fun.

Talking about non existent subsidies gives them a vent for their rage at people having a secure, affordable home.

Interested to understand why you think it’s not subsidised….

Of course that’s what this is…

It absolutely is. Directly operationally or indirectly through subsidised building costs by the government or developer (who hike up the cost for all other buyers on the development to recoup the investment). Anyone that thinks it isn't often doesn't understand the real cost of building a property or the cost of capital and the opportunity cost this generates.

I’d say the majority of people concentrate on their own lives and don’t scream and shout about something that’s nothing to do with them, as I’m pretty certain it’s nothing to do with you

Exactly.

It has everything to do with me thanks when I’m literally part-funding the system via my taxes. I am part of this society, as are you.

This thread was created for discussion. Sorry I touched a nerve.

Don't be ridiculous! Social Housing is hugely important to me. It's a vital resource in our society. I want to see it allocated fairly and efficiently to those in most need. Don't be foolish enough to assume that Social Housing has nothing to do with those that are actually funding and subsidising this state asset.

Indeed. Apparently they've latched on to new builds and got their knickers in a twist that it's coming out of their pockets for houses built in the 60s.

I think there is some low wattage muck raking going on here. This one definitely isn't worth it.