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Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

Just a question thats playing on my mind?

4 replies

happyhappymummy · 25/04/2012 18:28

Nothing to do with relationships but posted here before.
Do you think you can rent property and make it feel like home? Secure? Is it dead money as they say?
I might be losing mine and my 3 daughters home and may have to rent.
Wondering if anyone has been in the same position.

OP posts:
Birdsgottafly · 25/04/2012 19:03

It depends on whether it is a long term let and the condition of the property.

I had to rent some pretty terrible places before i moved to my present home.

Your house is only yours as long as you can pay the mortgage, so unless you have nearly paid it off, i don't see it as any different as renting.

Unless there is major work that needs doing, like the garden needing paving etc, then in a way, there isn't the investment factor in the way that owing would give you, but having had negative equity twice, there isn't always an investment in property .

I am planning on renting my present house for at least two more years, so as i looked at it, i would be redecorating within that time, if i owned it, so the money that i am spending isn't 'dead' because i would be re-doing it, anyway, if i owned the house, iyswim.

I would now rather spend less on curtains etc and get a new modern look every few years, so it is as 'mine' as if i owned.

I like the fact that in a few years once my children are older and i am moving up the career ladder, i have choice about where i live.

happyhappymummy · 25/04/2012 19:21

Thanks Birdsgottafly.

Yes true as Im 34 and the mortgage will not be paid until Im 65/66 and at some point my ex will want something.
I just think what will I leave for the children?

I have never thought of it that way though, having the choice. I suppose when Im earning as not many landlords accept dss.

OP posts:
GlitterPunk · 25/04/2012 20:58

I never plan on owning. I've had such a good experience with renting for the last 6 years or so; after Uni I just couldn't afford to get into the market, but now I'm earning more and I can afford to rent better homes for less than buying such properties (in central London no less) so I'm pretty happy with renting.

As far as leaving things for my family when I'm gone, I just invest in other things.

happyhappymummy · 25/04/2012 21:19

Thanks GlitterPunk.. Yes i can imagine how hard it is now to get onto the property ladder. Silly thing is we started off at 104,000 and now have a mortgage of 135,000 and been living here for 10 years, nothings been paid off, so it is like renting but security I guess.
My situation has changed and unable to pay the mortgage.
Its so scary on your own with 3 children not knowing whats best.
Rented property in my area is the same price as my mortgage repayments. I would have to put another 250 per month for a nicer home.
Then I think my mortgage payments will reduce but rent will always be the same.
Oh dear Im talking myself for and against all of the time.

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