right to buy housing association tenants

giddypenguin

chrisyboy wrote: »

Are you saying that someone living in a HA property is not decent or hard working? I live in a HA property, work 50 hours a week, my partner works 3 jobs, I actually work harder than most people I know.... I just do not have rich family to borrow vast sums of money off towards a deposit on a mortgage

If you can't save for a deposit despite cheaper-than-market rent and working all those hours it seems homeownership may be too expensive for you. But whats the big deal about owning your home? You have secured tenancy and all repairs etc included. Sounds ideal to your situation as it seems you would struggle to save for an 'emergency fund' if the roof blows off or your boiler packs up.

ETA: when did anyone say you weren't hard working? We were all working hard, but why should you in particular get a massive discount (at the taxpayers expense)

chrisyboy

giddypenguin wrote: »

If you can't save for a deposit despite cheaper-than-market rent and working all those hours it seems homeownership may be too expensive for you. But whats the big deal about owning your home? You have secured tenancy and all repairs etc included. Sounds ideal to your situation as it seems you would struggle to save for an 'emergency fund' if the roof blows off or your boiler packs up.

I actually feel quite insulted by that comment, just for you info we have been saving for the past couple of years and we actually do have funds in the bank, let me guess you are probably just another one of those people fed with a silver spoon and money thrown at you

Keep_pedalling

chrisyboy wrote: »

Are you saying that someone living in a HA property is not decent or hard working? I live in a HA property, work 50 hours a week, my partner works 3 jobs, I actually work harder than most people I know.... I just do not have rich family to borrow vast sums of money off towards a deposit on a mortgage

I have no doubt that you and most other HA tenants are hardworking, but that does not mean your HA should be forced to let you buy their property at a heavy discount, it is a crazy idea.

Imaging the Tory outcry if another party decided that private landlords should be forced to sell to their tenants at a heavy discount.

Cheeky_Monkey

chrisyboy wrote: »

Are you saying that someone living in a HA property is not decent or hard working? I live in a HA property, work 50 hours a week, my partner works 3 jobs, I actually work harder than most people I know.... I just do not have rich family to borrow vast sums of money off towards a deposit on a mortgage

That's BS and you know it!

The vast majority of people who buy their own home do so with their own money.

If you and your wife are working so hard and such long hours, and you were really serious about being a home owner, surely you should have been able to save at least a 5% deposit by now which, I understand, is all you need for the Help to Buy Scheme.

I suspect part of the problem is that you want to say in your rural location so won't consider moving to a cheaper area.

tomtontom

chrisyboy wrote: »

I actually feel quite insulted by that comment, just for you info we have been saving for the past couple of years and we actually do have funds in the bank, let me guess you are probably just another one of those people fed with a silver spoon and money thrown at you

Then go buy on the open market like the rest of us - we've all worked hard for our homes too.

giddypenguin

chrisyboy wrote: »

I actually feel quite insulted by that comment, just for you info we have been saving for the past couple of years and we actually do have funds in the bank, let me guess you are probably just another one of those people fed with a silver spoon and money thrown at you

I am sorry to hear you are insulted - it want meant as an insult. You said that you couldn't buy as you didn't have anyone to give you a deposit, I therefore assumed that you couldn't save for one (as my first choice would be to save rather than ask others)

You then say that you have saved a deposit - so it sounds like the social housing has had the correct effect - you have benefited from cheap rent, saved for a deposit, you can now buy on the open market and 'free up' your social house for someone else who requires it more now.

As for the personal comments about me - you are incorrect. We haven't been gifted anything and I certainly wasnt thrown money at. First in my family to go to uni, paid for my tuition fees, worked bloody hard. I'm proud of where I am and where I've come from.

fairy_lights

chrisyboy wrote: »

I actually feel quite insulted by that comment, just for you info we have been saving for the past couple of years and we actually do have funds in the bank, let me guess you are probably just another one of those people fed with a silver spoon and money thrown at you

Arguably it's you that's the one with the silver spoon - you have the privilege of living in a rent controlled, well maintained housing association property, something which may soon be a very rare commodity. Not everyone is as lucky as you, and even less will be able to benefit from social housing if it's all sold off.

t0rt0ise

I don't agree with selling off HA housing at all but the constant slagging off of tenants on this forum is tiring and unfair.


In any case many HAs including the one who owns the accommodation I rent, give new tenants shorter tenancies, mine gives one year and five year tenancies. So the days of being assured of having a home for as long as you need it are gone for many.

leveller2911

fairy_lights wrote: »

Arguably it's you that's the one with the silver spoon - you have the privilege of living in a rent controlled, well maintained housing association property, something which may soon be a very rare commodity. Not everyone is as lucky as you, and even less will be able to benefit from social housing if it's all sold off.

Just a small point FL but from my experience the vast majority of HA and Council properties are far from "Well maintained"..........Maintenance contracts always go to the cheapest quote ,there isn't enough in the contract to carry out quality maintenance and the vast majority or jobs are short term bodges. I would also say with regards to kitchen/bathroom renovations, they tend to be carried out every 20-30 years .

leveller2911

t0rt0ise wrote: »

I don't agree with selling off HA housing at all but the constant slagging off of tenants on this forum is tiring and unfair.

I agree and what many people/posters on here fail to recognise is the fact that up until around 2009 £millions were handed out to homeowners to renovate their houses through the Council Grant scheme.

A person would buy a house that ,say needed a new roof, apply for a grant from the council and provided their income was below a certain figure they would receive the money. I worked on many of these grant jobs that included complete renovation of private houses some of which were 2nd homes. As long as the house wasn't sold for 3-5 years the owner wouldn't have to pay any of the grant money back to the Council.

I'm thinking the thread is a wind up as the OP hasn't been back to post...