Housing and Planning Act 2016

Miss_Samantha

The mortgage argument is a red herring. It does not make any difference.

numismatic wrote: »

I could have owned a house in some parts of the country for that money.

Yes. No-one prevented you from doing just that.

AirJoe

numismatic wrote: »

...terrible people ... who took advantage of right to buy...

This is pure bait, surely? :T

numismatic

G_M wrote: »

For 17 years you haven't had to worry about housing. all nicely provided for you. No repair bills to pay, no responsibility for instructing contractors. Just a nice secure home at a nice subsidised rent......

hmm, oh im so stupid, what a great deal i have been getting, obviously things work out so so well for the tenant, why would i ever want to purchase a house while i have the bliss of being look after by a housing association,

So you would prefer to live in a council house paying discounted rent rather than own your house ?

Sadly that idea far from the truth.... in fact so funny to say i have had no worries about housing in the last 17 years, if only you had a clue what you were talking about.

the grass may seem greener but its not , the incompetence of these agencies is beyond reprieve sometimes, no in fact most of the time, one property i had an ongoing issue affecting the safety and security of a property for over 18 months that wasn't resolved until parliament had to be involved, and yes they do repairs but they are not done well, everything is done on the cheap or not at all after they have made a meal out of organising a simple job, you must answer to the HA policies.and live among some insufferable benefit claimants who get the same as me housing wise for nothing (and the rest)- its all relative, but i imagine you dont know this reality.

The rent is lower which certainly helped but its not like you get to choose your property or even area like a private rent, and at least private landlords had a reason to look after the property as they have a vested personal interest. The extra you pay for private, you see the benefits from my experience, social housing is of a different caliber, one i imagine you haven't experienced,

At the time i became a social tenant i had been homeless for a year after moving out of a private rent i could not longer afford due to some unavoidable changes in my life.

funny thing is my mortgage maybe even lower , which kind of points that its the rental market with the problem, which it is, but until more people can buy their homes they will be stuck paying rent for life while buy-to-let-lords are rolling in it far removed from the struggle of monthly living costs, their properties pay more than some wages do, but that uncontrollable monopoly that victimises the younger generation is just fine and shouldn't be regulated at all obviously - those 2nd/3rd/4th/etc homes should be the tenants home , then those rental payments would be mortgage payments and eventually they will own it and have something for the kids, just like previous generations - too much to ask ?

Buy to let should be banned, all second homes sold i think, unless they pay double for them, that would sort things out, id even vote for it if MPs were excluded just to get t through!

most renters are paying more than a mortgage costs on the same property, its a total joke - this change is the best thing they have done for the country in years , finally some affordable property that developers cannot get their hands on

numismatic

marksoton wrote: »

So why didn't you? Plenty of people had to move to afford property. And it's no sure thing your asset would have appreciated....

Do me a favour on the bitterness and sadness front...

Where i live im looking at 250-300k for a house the size i need , not affordable , i earn 32k , I'd be luck to get 100k , fairly straight forward.

Or i guess i should move away from family and work ?

Its sad and bitter to come and make such negative comments towards someone, when someone has just asked a simple question on the law, i really dont see the problem.

You haven't comments on the laws and when they come into play, so why comment , unless its to hate or troll ?

numismatic

lincroft1710 wrote: »

I just echoed oystercatcher's comment that if you were in HA accommodation you couldn't be paying other people's mortgages

That understandable, i did clarify i have been private tenant for half my rented life, but in HA not so will have the option when it comes into play.

numismatic

Miss_Samantha wrote: »

The mortgage argument is a red herring. It does not make any difference.



Yes. No-one prevented you from doing just that.

Please see above , people are priced out of the market - which world are you living in ?


I can afford rent or mortgage payments, even a deposit, but is the bank who decide how much you can borrow, and the property market in the country for the price of houses.

Lets see you buy a 250k house on a 32k salary ? i just rent from while i save 150k shall i , yeah ok great idea yep

red herring ? its more like a sore thumb the way its so obviously a massive fallacy !

numismatic

AirJoe wrote: »

This is pure bait, surely? :T

Not sure what you mean, it was sarcasm actually

Implying (tongue in cheek) that the people buying houses during 80s right to buy should be just as hated as those wishing to take it up now seem to be.

It was a joke though, obviously neither group should be put down for making the best of things for themselves, its what i would do and im should you would too for you family

marksoton

numismatic wrote: »

and yes they do repairs but they are not done well, everything is done on the cheap or not at all after they have made a meal out of organising a simple job, you must answer to the HA policies.and live among some insufferable benefit claimants who get the same as me housing wise for nothing (and the rest)- its all relative, but i imagine you dont know this reality.

If they're insufferable why do you want to buy a property amongst them?

And those repairs as a homeowner won't seem so cheap when you're paying the bill...

numismatic wrote: »

Or i guess i should move away from family and work ?

Plenty of people have done so through necessity. Now stop the pity party self entitlement.

AirJoe

You come over as so angry in all your replies that I wasn't sure about that one. Sarcasm it is then.

I think the point that others were trying to make is that, whilst most would prefer to be buying somewhere, renting doesn't mean you are throwing money away for 'nothing'. You have had the benefit of a place to live without many of the risks of ownership.

There is always someone better off but there's no point being bitter about it. I am a single, private renter in Brighton earning just over £20k a year if you want some context for my view.

We should probably get back to your original question though. I have no idea on that one, sorry.

AnotherJoe

numismatic wrote: »

Buy to let should be banned, all second homes sold i think, unless they pay double for them, that would sort things out, id even vote for it if MPs were excluded just to get t through!

Great. So what is someone meant to do who doesn't earn enough to buy a house under any circumstances?
Who moves around the country every few years and doesn't want to be locked into buying every time?
Who just doesn't want to buy a house and would prefer to rent? You would force them to buy would you?
Who has to leave parents or partners house and has no money or earnings to buy a house? Who wishes to live in an area for a year or two before moving elsewhere?

Who will rent to those people if no one can become a landlord?

(And please dont say councils or HTB's because you've just had a right go at them. Did it occur to you the reason everything was repaired "on the cheap" is because the rent payments dont help much to cover the maintenance costs?)

numismatic wrote: »

most renters are paying more than a mortgage costs on the same property

But you weren't. So why did you make the comment about "sick of paying other peoples mortgages" when you weren't?