How to help unemployed single mum onto the housing ladder?

richgirl

jakehamble wrote:

Why is an unemployed single mum any less deserving of help?

To buy a house you need to work for it, not sit at home waiting for the state to send mortgage payment cheques through the post in the form of housing benefit which was never meant to be used to buy property which ineffect is benefits fraud.. once you go down that route and remove the incentives to work, then exactly who will be paying for all these benefits used to purchase properties ?

jakehamble

richgirl wrote:

To buy a house you need to work for it, not sit at home waiting for the state to send mortgage payment cheques ... once you remove the incentives to work, then exactly who will be paying for all these benefits used to purchase properties ?

The incentives to work hardly exist anyway. Childcare for three children costs way more than the minimum wage. Most people in that situation are not proud that they are 'sponging off the state' but there is little plausible alternative to escape the trap.

In many places (particularly until recently) it can be the case that paying a mortgage is cheaper than the market value of the rent. If the state were to assist those on low incomes to purchase, they will be less reliant on the state in the future, to everyone's benefit.

People find themselves as single parents for all sorts of reasons. How should we as a civilized society help those who want to find a way into work and out of poverty?

roswell

explain this poverty theory to me please, the person has 3 children gets state benifit and currently has a roof over there head, they most likely have running water and electricity which i more than a lot of the world population can hope for.

The person doesnt have the means to hold the morgage simple decision ... dont buy a house.

Would anyone like to buy me a house I dont mind living in it while you pay the morgage if anyone can be so kind to offer, .....

seven-day-weekend

roswell wrote:

explain this poverty theory to me please, the person has 3 children gets state benifit and currently has a roof over there head, they most likely have running water and electricity which i more than a lot of the world population can hope for.

.....

Yes I agree...whilst some people in the UK may be poorer than others, while you have enough to eat, clean water to drink, a roof over your head, a free education and health service, then there is no real poverty.

natwill_3

Agree with above totally. Not sure the title of this post is very responsible..:-) and no offence meant by that

ABN

First we had BTL (Buy to Let) then we had LTB (Let to Buy) all helping to keep the house prices way out of reach of the average WORKING person. Now I see we have yet another scheme STB (Skive to Buy).

Personally I find this thread and the idea behind it rather offensive

Fran

ABN wrote:

First we had BTL (Buy to Let) then we had LTB (Let to Buy) all helping to keep the house prices way out of reach of the average WORKING person. Now I see we have yet another scheme STB (Skive to Buy).

Personally I find this thread and the idea behind it rather offensive

I find a few of these posts offensive.

The OP and family have the means to buy this house, it's them buying, not someone on benefits. Yet again somone on benefits is categorised and labelled without anyone knowing her!

At some point she will be working. At the moment she has a full time job with three young children.

The OP said the present landlord was not good at repairs, so why shouldn't they look for a way that a woman and three children can live in a better environment?

It's a shame some people can't look at this for what it is: a man trying to help his sister have a better future.

Sapphire

Alternatively, perhaps the OP should help his sister stand on her own two feet by funding some education for her and perhaps paying for someone to look after the children while she studies. Then she will be in a position to get a good job and think about owning a property.

roswell

and if the land lord is so bad at repairs i belive they should be reported to the local council.

roswell

I agree With Sapphire 100 %.

Give a man a fish and he will eat for a day .... exactly the same thing here give the person the tools to do tha job themselves.