Paying someone's mortgage by renting

[tfish]

LOL at this thread.

Why do people think they have a god given right to "own" a home.

In lots of countrys (Germany esp) People rent for life and dont winge about it, it is seen as normal. In fact they find it weird how obsessed the English are with owning homes.

Think of it as 33k to live with a roof over your head with all major repairs and safety issues being dealt with by someone else.

AND this countrys weak benefit systems ensures NO ONE has to worry about a roof over their heads even in old age. Even if your from Timbuktu you laughing when it comes to feeling "home secure" in the UK

[Carrot Cruncher]

Because in places like france and germany where renting is the norm you can get long term leases which aren't available easily here....simple really

[tfish]

You can request a tenancy of any lenth of time in the uk. Be a good tenant and good payer and your landlord will write you up a tenancy of many years.

Its in his interest to have you tied down as once signed your liable for all bills and he can sue you for the rent if need be.

I know plenty of "good tenants" on long term tenacys.

If your a tenant that moans and begrudges paying the rent you wont get one tho!

Even simpler!

[Carrot Cruncher]

Its in his interest to have you tied down as once signed your liable for all bills and he can sue you for the rent if need be

Not for 20 years plus it isn't as he cant sell the property, the rental market in the UK is a completely different beast to the one in France and Germany

[tfish]

That dosnt effect anything iv said in anyway though.

Ex-Council Estates are full of people who have been renting the same house for decades, these people even do home improvement and decorate the propertys using their own money. They are veyt happy and the landlords are very happy.

Make the best out of your life as you can at this moment in time and you will be much happier for it.

[Carrot Cruncher]

That dosnt effect anything iv said in anyway though.

Yes it does

You said people in Germany rent all their lives without whinging about it. That's because they are able to take out long term leases (unlimited in a lot of cases, and passed on to their children) which arent available to most people here unless you rent from the council or housing association. In the UK it is virtually impossible to get agreements like that from private landlords

[maxilaura]

LOL at this thread.

Why do people think they have a god given right to "own" a home.

TFish, I don't think I have a God given right to own a home - and I don't think I implied that either with my original thread, however what I do wish is that I could own a home, a place of my very own, where I can redecorate and put my own stamp on it and be safe and happy in the knowledge that the house is my very own.

In lots of countrys (Germany esp) People rent for life and dont winge about it, it is seen as normal. In fact they find it weird how obsessed the English are with owning homes.

Yes I am whinging, about the actual price of the rent. My private landlord bought the property for £22,000 20 years ago, his mortgage is paid off on this house and the money I pay him every month is his wife's spending money for the month (she told me this herself). Yes I could move to a cheaper place in the country, however my daughter is happily settled in this area for school, I have made friends locally and do not wish to uproot ourselves to find a cheaper rent.

Think of it as 33k to live with a roof over your head with all major repairs and safety issues being dealt with by someone else.

Yes you can think of it this way, however I would perfer to pay off a mortgage so that when I get to my Dads age, I have a home over my head and not have to move around all the time looking for a cheaper place to live - my Dad is 73 years old, retired, not a dime to his name, in a country on his own (he is back in South Africa) and trying to keep a roof over his head. So yes, I would like to prepare for that age when I am that old and I actually have a paid off house to live in.

AND this countrys weak benefit systems ensures NO ONE has to worry about a roof over their heads even in old age. Even if your from Timbuktu you laughing when it comes to feeling "home secure" in the UK

Please check your facts here - because I am from a place close by to Timbuktu, meaning that we share a continent in Africa as I am originally from South Africa, and I do have to worry about a roof over my head as I am not, along with plenty of other people currently living in the UK from another country, am not allow to have "recourse to public funds" - which means I do not claim any benefits whatsoever. So no, the "weak benefit systems does not ensure that I have a roof over my head even in old age".

Everyone is entitled to their own opinions and beliefs. You (and plenty of other people worldwide) will find it easier and "natural" to rent for life - I however would like to own a little place to call my very own.

And anyway, the whole reason why I posted this thread in the first place was because I was shocked at how much money I've paid to someone else when I wish I could pay it off towards a mortage of my own.

Thanks
Maxilaura

[maxilaura]

Just to add, when I first posted this thread I was under the impression that the rent I paid the landlord went towards paying off the mortgage on this house, however since then I was told by the landlord's wife about it being her spending money - just incase anyone picked up on the inconsistancies.

[itsybitsy]

You can request a tenancy of any lenth of time in the uk. Be a good tenant and good payer and your landlord will write you up a tenancy of many years.

Even simpler!

Not true. I rent privately, and the longest term that I can get a tenancy agreement for is a year. And I know my landlord!

[tfish]

Your landlord must be insecure in his longterm plans for the property and is unwilling to "tie" himself to such a deal.

There are other landlords who are neither of the above and willing to offer longer deals to the right tenants.

If you are unhappy with 1 years "only" discuss this with him and ask for more with the pretence of leaving, if he wont budge LEAVE! He hasnt got you hostage.

Other Landlords will snap up an advertised tenant who states they want to put down roots for a decade and can produce great references.

The last thing a LLord wants is a high turn over of Tenants and constant redecoration costs.