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909 Views • Oct 17, 2022 • Click to toggle off description
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RYD date created : 2022-10-18T09:46:14.914417Z
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60 Comments
Top Comments of this video!! :3
The biggest mistake I did in my life, was not buying a house earlier.
12 | 2
I see some people in the property and investment space still touting renting as the cheapest way to build wealth but I don’t see my home as a financial matter, it’s a foundational piece of security for me. Once your house is paid off, your income is free!
| 0
Pete I bought my council flat this January with 56% discount no deposit and 5 years fix rate. Thank you Pete for everything. God bless you
5 | 4
Many people rent because it gives flexibility. Rental needs to change, maybe 5 year contracts during which time rents cannot increase.
1 | 0
Depends what lifestyle you wish to live. Personally I don’t want to fixed in one area
1 | 0
My idea of hell renting long term. I've paid more than half my mortgage off at 42. Better to line your own pockets not someone else's!
| 0
Owning property obviously makes the most sense. But it doesn’t mean anything significant, working in an estate agent, I’ve watched many landlords sell their property and went back to renting because they couldn’t afford the mortgage and I have also watched landlords have properties that fund their lifestyle. So in terms of investing, should there not be a deeper topic about generating an income above average prior and during to saving for a deposit and buying a property
| 0
Completely agree. Owning your own property facilitates the ability for you to plan early retirement. Making overpayments when you can reduces the term and ongoing repayments. Once the mortgage is paid off, you live "rent free" which helps so much during retirement. Even if interest rates rise, young people should still aim to buy rather than rent. Unfortunately the current cost of housing can make it so hard for first time buyers. Save save save for a big deposit!
1 | 2
I've recently moved from London to the North West for this reason. Had to pivot, not what I wanted certain steps have to be made and hopefully one day I will return or be satisfied not to return.
2 | 2
'Owning property is good' is like saying water's wet mate
5 | 1
Makes sense to me, but there is an argument that maybe you should invest in stocks with higher returns and commit to a mortgage after?! Personal preference, but open for debate
1 | 0
so difficult for a lot of young people to afford to buy our own place. I wish me and my partner could :(
4 | 1
Rent where you live...Own where you rent out. That's my personal philosophy and it's worked for years.
| 0
The issue isn’t buying a property, the issue is stretching beyond what’s comfortable in terms of monthly payments.
1 | 1
I think it’s essential to own a house these day for your own well being in later life
| 0
I agree you need to own at least 1 property outright buy the time you retire. It's that old rich dad poor dad asset or liability . It's been hard but paying off you mortgage early frees up so much of your income. The problem for alot of people nowadays is they are buying properties that are way beyond comfortable outgoings. Also a few years into the morgage moving up the property ladder .
| 1
Austerity is designed to keep working people in their place. There is a great video on YouTube explaining how governments use Austerity.
( How Economists Invented Austerity and Paved the Way to Fascism ). By Clara mattei.
2 | 0
I would argue there is a grain of truth here. Firstly, why do 54% of Germans rent their property? This alone punctures the property-as-necessity argument, and begs a second question: what if we had a better rental system, and didn't have to hinge all investment on property?
Secondly, the size of mortgages now - compared to wages - mean you are indebted to banks for a much longer period, with wages that are stagnating. So much so, that some may not actually own their homes outright before retirement. Are we now entering a period where "home ownership" is an illusion, and actually means "working for the banks"?
I'm presently saving for a FTB deposit, but part of me is bristling at the idea of owing so much for so long. I'm seriously considering buying a van and going mobile. Yes, there's hidden costs there too on a depreciating asset (aside from a massive lifestyle shift). But, the idea of having a mortgage I might not pay off, under the illusion I "own" a house is worse to me.
| 2
You're making complete sense!
| 0
@serenity6329
2 years ago
I totally understand this. I rented for just over a year and hated it. I worked 3 jobs, got a mortgage and went for a repayment mortgage for 20 years.
I denied myself so much pleasures in life. No partying endlessly, buying things that have no value. I resolved that I would pay off the mortgage before I was 50. Paid off the mortgage 8 years early. Trust me it was hard but at least now I know I am mortgage free.
Times are hard and it was hard back then. Please think of your future. If you have the chance to buy go for it. A roof over your head is so so important.
13 | 1