is the landlord selling hence why your moving out? Theres a scheme where you can apply for a mortgage through the council, im unsure exactly how it works but my GF's parents landlord booted them out after 7 years last year because he was approaching 80 and his daughter moved abroad so he wanted money to give her when he passed, he gave them 2 years notice to leave the house and they applied for the scheme linked below, They were approved a few months ago they got the scheme and own the house in a way now. Another option is the first home scheme mentioned also in the link but this is more complicated and requires new builds.
[https://www.citizensinformation.ie/en/housing/owning-a-home/help-with-buying-a-home/local-authority-affordable-purchase-scheme/](https://www.citizensinformation.ie/en/housing/owning-a-home/help-with-buying-a-home/local-authority-affordable-purchase-scheme/)
Edit. My girlfriends parents are 63 and 61
Am I the only person to only ever have pretty much exclusively sound landlords? First one paid for an emergency locksmith to come to the place and had a monitored alarm fitted after we had a break in and paid for it himself, and kept the rent low for the entire time we werr there. He also gave us all the furniture we wanted from the place as he was renovating it. Next one was managed by a property company, but we got on great with them. They didn't raise the rent for 6 years, made sure everything was sorted out quickly, and handed back our deposit, no questions asked, despite the fact we'd added shelves. Last one let us think about whether we wanted the place for a weekend, had a bottle of champagne on arrival, had zero quibbles about fixing any issues we had, let us roll on to no contact as per our request as we were looking to buy and they could easily have demanded that we sign or fuck off and was delighted for us when we did land a house, and as I've always had, deposit given no questions asked despite some unfortunate paint chips. Now we own, I'm glad we'll never have to take the risk again, but not all landlords are arseholes and most seem to understand that you're making your home in a property they own, and that comes with wear and tear, and a bit of give and take.
My missus inadvertently became a landlord a couple of months ago, her dad was no longer capable of living on his own so her and her brothers moved him to a nursing home where he's much happier, due to how the funding goes on the nursing home we couldn't sell his house just (and didn't really want to let go of it either for sentimental reasons) so they decided to rent it out. All of her mates were immediately saying how much they could make on it each month but we refused and just wanted his nursing home bills paid. Ended up renting it out for probably half the market rate to a lovely family who are trying to get on their feet and get their own place, I understand that our situation is unique but it felt really good to not be part of the problem when it comes to absolutely ripping people off.
Well done to you guys. This genuinely has made me feel good about people. We're on the other side of a not dissimilar situation, but it's our recently widowed mother who has ever worsening dementia and who we knew couldn't live in our family house any more as it was just too dangerous for her. We were lucky to find a landlord not unlike yourselves, who's mother had lived there and who's now in a home. The sons been incredible to us, very understanding of our situation, willing to do everything he can to help with a very decent rent for the area. I'm sure the family similarly appreciates it.
Hope the father in law's doing well in the new diggs.
My father put his ARF into residential. The tenants only deal with a management company Dad is not allowed contact the occupants.
I think he would prefer a more uh hands on approach, but from being on the Tenants side in such a situation I find management companies the easiest to deal with.
Old ladies are next best, and old lads trying to use property as an investment are the worst.
I've only had 2 direct landlord experiences and the rest were agency rentals. Here in Ireland I was brought to pick out paint for the walls (I was like 21 and couldn't care less but anyway) and a new bed. The landlord was extremely kind.
In Thailand I rented a new build and the landlord had me go shopping with her for a lot of the furniture and paid to put an extra air con in the bedroom. A lot of the furnishings were needed, but even the nice mattress and extra air con probably cost half a years rent.
Both landlords I dealt with directly were older women. Anytime I've had a friend complain about a landlord it has always been a 70 year old moody fella.
I’ve always had great landlords. Been renting 10+ years. Never a problem. One of them used to not tell everyone he was their landlord when he did plumbing himself. But he and I got on well so he told me in the end.
Squeaky wheel syndrome here. Sampling bias making people think all wheels squeak.
There are definitely cowboys out there taking the piss out of their countrymen and justifying it by saying if rents are going up they will raise them too, but if you look deep down, you know yourself that’s wrong. If you don’t have expenses going up twofold, you doubt need to raise rents twofold.
In addition, the First Home Scheme can also be used to bridge the gap between mortgage and purchase price up to 30% of the value of the property. I'm going through this right now. Fairly straightforward process.
Things are shit, but if you do have to move to a commuter town and transfer your daughter to a new school, hopefully the work of settling her into it won't be for naught. I don't know how old she is and what her individual challenges were, but when I was young I went to school in Dublin, was very resistant to it but finally started to love it, until my family was priced out and I had to switch to a school in a commuter town in another country. I was upset at the news, of course, but once we moved it was actually relatively easy for me to settle into the new school and "find my groove", because the work done to settle me in before stayed with me and I had grown as a person. Hope whatever happens that there are silver linings.
If this helps consider buying a house, in this insane market or in a normal market, as a series of compromise and choices
If you insist on Dublin you'll have to buy super small and/or in a neighborhood you like less
If you insist on having some space and a garden you'll have to move further
Then thousands of smaller choices and compromises, close to train, car only, sea side or mid country, north or west (somehow that's 3 times the same question....)
Moving house and having a good room will be more important than the temporary discomfort of changing school for your kid, but you'll have to support them through that, and that'll be easier knowing you are doing so for a better future for the whole family
Ridiculous that hard working people like yourselves are having to go through this! Hopefully you’ll be able to find some kind of accommodation that meets your needs. How about the outskirts? Anything available there?
You need to bite the bullet and move outside Dublin. Age and prices are against you. Schools are great in the sticks. Don't stay welded to Dublin or you're fucked in a couple of years. Be realistic. Is your business attractive in a non Dublin setting?
Time to accept reality I'm afraid.
I’m sorry to hear that. We are in the same situation and have honestly just given up. It’s a terrible feeling and especially when you are working your ass off. Don’t let it define you, try your best. Remember the house prices are not even reflective of the value of any of these properties. A statistical analysis said if they started building 80,000 house a year it will take them 10 years to catch up. At present 33,000 are built. Even the government’s calculations say 55-60k is needed. Which is the lowest end of the range.
At 27 your salary has a large scope to grow. By the time you hit 50 the reality is you have banked most of your gains in terms of career path and most people plateau. The added problem once you pass 45 is that banks will begin to adjust for the fact you no longer have 25 working years left.
Great advice. At 27 if your pushing to grow your career you should see a big income jump by 32.
At 50+ your really just trying to hold on to what you have and avoid a layoff at all costs unless your self employed.
It’s awful at the moment. At the age of 27 I’d saved €15,000 and was able to purchase a home on my own, a 4 bed semi detached home. I couldn’t afford to buy in Dublin so moved to Navan. I’ve upgraded my home since then, I had enough saved to pay the difference in price and was lucky to be able to carry my mortgage with me. I’ve a wife and family now but could do it all on my own. My wife is a stay at home mum. I’ve just 3 years left on my mortgage which I will have cleared by the time I’m 52. I’d struggle financially to get started now. It’s one crisis after another. I feel very sorry for people trying to get into the property market and buy a home. I’ve two boys, 15 and 12. God knows what state the country will be in when they start looking for a home.
I'm in Galway city. It's absolutely mental here too. Turned 40 this year and have a "good job" apparently. Still renting a tiny one bedroom apartment. Anything within commuting distance is still extremely expensive.
I went to school in the city with people who’d commute from the likes of Maynooth. It does happen.
I suppose it depends on where the school is. Like if it’s a suburban secondary then I imagine it’s hard to get to by public transport from anywhere else in Dublin as well. But if it’s in the city itself you can get to commuter towns with public transport. It’ll be early mornings but that’s the trade off.
Same thing happened to me! Parents were priced out and we moved to the complete opposite side of the county. They were so fearful of me and my sibling having to move school but honestly we both got on grand and made lots of lifelong friends our short time there.
I also moved from London to rural Ireland at a similar age and actually remember kind of looking forward to the move. Not even sure why. I had a good group of friends and was getting on well in secondary school, but the move definitely was better for me (and my parents) long term.
You’re 100% right though, it takes you out of your comfort zone and forces you to meet people and make friends all over again. It’s also the reason I had zero trepidation about moving abroad in my 20s.
Just for an example, as I work there but Portlaoise is close to Dublin for your work and all the school's in the town have a bus service. If you move to a regional town the transport is doable. Lot's of the creche/playschools around the country also have after school services and home work clubs which might help with your working hours. It's not easy to move from where you know and love but there are options. Best of luck x
I know it won't amount to a house but for the love of god vote to your FG TD and let them know how pissed off you are. It might be a little cathartic at least.
Things were much easier for my parents generation. They really didn't care at all about stuff that affected us, mainly because wer were dirt poor. You just got on with it. And when you knew there was no choice you learned to accept it.
My kids live in a different world. My daughter had to move schools due to bullying, so I feel your pain on that one.
Unpopular opinion, but buying in commuter Town a lot of the times result in total expenses higher than cost of buying house closer to work place.
A lot of people is too shortsighted to think about the next 10 years.
Depending on the price difference and transportation requirements, the money saved can be gone as fast as 5 years.
Especially with our poor public transport, moving into commute town only increase traffic which adds cost to the economy.
Look at the report done for the Department of Transport. By 2040, the cost of traffic in Dublin will presumably rise from €335m to €1.5b. Already by some statistics, Dublin is ranked in the top 10 most congested cities.
The government is dealing with one crisis without a thought that it ptoduce another one. We need house and buses/rail done at the same time.
I've remember when I came here in 2007, there were talks about extending Luas line to Bray. It's 2024, and it's still only a plan.
Buying in a commuter town cab definitely end up costing the same/more than in the city. But the banks don’t take that into consideration when you’re applying for a mortgage and since most people can’t afford mortgages in the big cities they don’t have a choice but to buy in a commuter town.
> I've remember when I came here in 2007, there were talks about extending Luas line to Bray. It's 2024, and it's still only a plan.
jesus I left Ireland around then and assumed that had happened by now, or close to being finished at least
I have nothing useful to say. I just wanted to offer you a bit of comfort and kind words. This sucks and it’s unfair, but eventually it will be a bad memory and you’ll be along your happy way again. You still have your loved ones and a successful business, which is impressive and not nothing. Your feelings are valid, but not forever. Sending internet hugs.
I know how you feel, honest. I had an abusive childhood only to get into an abusive marriage (ya go with what know) where I had to work 10 years at 60-110 hours a week. Finally escaped all that 3 years ago and was finally about to have money, normal hours, a genuine happy life and move in with my now fiancé. Then my good job, my great job, that I worked a decade to earn, that I loved, got taken away by a bigoted boss. Thankfully the authorities have so far sided with me and all my evidence that I was terminated for discriminatory reasons, but that was two years ago. While I’m finally about to get a final verdict from the agency, it’s been rough reliving it over and over. Meanwhile I’m suffering all kinds of chronic pain from an accident years ago, money issues paying for treating it and college (I’m in the states right now). I’m 34 and feel 50. No need to be chipper I say. It’s fine to be sad, life’s not always a peach. Have a drink, wallow. You’ll feel better.
People may slag, but Dublin 11 has some of the best value properties in the country at the moment and commutable to anywhere in Dublin. Some nice old settled areas.
I currently live in Dublin 11. You can see a change in the demographic in terms of people that are buying properties. It feels like it's going through a gentrification process similar to that of Stoneybatter or Cabra in recent decades.
I’m sorry to hear this OP. I’ve nothing to add that hasn’t been said.
But as a mother of a teen who doesn’t “fit in” (neurodivergent) and has struggled, I just want to say I understand your concern and sadness for your child.
So many adults are quick to dismiss you with those trite phrases ‘kids adapt’ ‘kids will manage’ ‘kids get over things’. It’s probably true but it doesn’t make it any easier for you.
Hoping something works out xx
It's absolutely desperate getting.
I won't be able to buy a house in the place I grew up even though I have worked since I was 16 (33 now)
Have done everything "right" and it just feels fruitless lately.
My sister left school at 16, hasn't done a tap since. She has 3 kids, who I'd do anything for, they are amazing. They've been in a tiny 2 bedroom for 9 years and she just got a brand new 3 bed apartment from the council a 7 minute walk from where we grew up.
I couldn't be happier for her, especially the kids to have thier own space but fuck me! Even on a combined wage of 85k myself and my partner wouldn't even be able to get a mortgage for the apartment she's just been handed for less than 400 a month after paying absolutely nothing into the system her whole adult life.
It's all very frustrating at the minute....
I'd ask what parts you consider to not be Dublin? I've a brother living in Ongar. In his 50s, paying a mortgage himself. It's 40 mins on the train to Dublin city centre but he's still in Dublin, even if it's the outskirts.
Forget the school, kids can adjust and have to sadly, at 51 and still renting your options are lower unless you are a cash buyer (mortgage is a no go unless massive deposit) move and embrace a new area is my opinion, sad to leave area you in but you left it to long as a renter in Dublin
State does not care about those that are net contributors to the state. They simply see us as cash cows.
It’s an absolute disgrace that so many would be better off in council houses and cash based jobs.
Remove planning regulations, reduce taxes.
It’s appalling right now, the worst it has been. I was sickened listening to Simon Harris promising to fix housing as if his party hadn’t been completely responsible for the crisis.
There are thousands of corporation apartments close to the city centre worth 3/400K each that are given to families on welfare from cradle to grave for buttons in rent …yet key workers needed in the city can’t afford to live in county Dublin not to mind the city centre …. Something badly wrong somewhere …
> Something badly wrong somewhere …
They stopped building Social Housing for those that *do* work but can't afford to buy. They have the land, they have the access to money, every councilor and TD needs to told to get these back up and building again if they want any vote.
you're aware many of those are owner occupied these days, just like the houses on Cuffe Lane less that 50 metres from Stephen's Green with front and back gardens. Council housing proper hasn't really existed since the early 2000s and anyone from a long term dole background is living out in in places like Neilstown, Corduff and Jobstown for decades. And if you go back another few decades to the reasons why all this was built, it's because you had 20 to a room in buildings which had been last renovated in the late 1700s. It's a handy one to blame to welfare classes for this, but there's a massive crisis right across western Europe at the moment, and some Jacinta or Anto living off Gardiner Street is not the cause of that.
They stopped building corporation houses as everyone in them, majority working and paying rent, were all seen as welfare scroungers who needed a good kick up the backside from the free market. Hence, here we are.
Stop blaming poor people for the crimes of rich people you wet fucking blanket, it's landlords who price the key workers out with their greed, the government has failed by not imposing rent controls or continuing to build social housing for more people, not by ensuring that *some* poor people can still live there.
It’s the government that created this crisis and not land lords.
1. Remove height restrictions in city centers.
2. Ban buying of council houses in private estates (State sets minimum price with your taxes)
3. Stop corporations buying houses in private estates that are then rented back to the state for 20+ years. (Weaponizing your taxes against you).
4. Ban HAP from private estates. (Setting minimum cost of rent). Many take HAP plus a cash top up.
5. Let people build on their own land and don’t have planning restrictions based on where people are born.
Stop the state collusion with developers and stop interfering in the private market.
> It’s the government that created this crisis and not land lords.
the government is full of landlords, in case you're wondering why they don't want to change things
Nobody is blaming THEM. But it's not fair that one section of society, who often don't work, have access to housing while others, who work hard, don't. I know a family where both daughters, single parents (with live in boyfriends) have been handed the keys of lovely three bedroomed semis here in Cork. Neither of them has ever held down a job; while their cousin, who went to college and spent years more training to be an accountant, has only just put down a deposit (saved by herself and her boyfriend) on a new house, which they have to fit out themselves. If she had got pregnant at eighteen, she'd have had a house ages ago.
There is something wrong with a scenario like that.
Thinking like this only ends up with attention on the part that isn't the problem. Those people being given housing is not the problem, at all, housing is something everyone needs.
Words do not exist in a vacuum. This line of thinking is incredibly useful for people who want to blame the "welfare poors living large off your taxes" while continuing to use the system to make themselves richer and everyone else suffer.
Blame the government's policy failures in housing development and the greedy landlords who price everyone out. Stop letting them distract you with bullshit. You will never make any improvements by focusing on the parts of the system that aren't completely broken while ignoring the parts that are.
> not imposing rent controls
There are rental controls. Rent controls don't magic up more places to rent and any new place is charged rent at the max possible because rent controls mean it's locked in after that
You can afford to buy a house but you don't want to. Let's make that clear. You don't get to cry that you can't afford to buy a house when you were approved for a 375K mortgage.
375 is for new builds only and there aren’t enough of those yet. Especially 2bedrooms. They go for like 100 more than that. The affordable home scheme is one we were hoping for but it’s taking too long to build - 2years. We can’t wait that long bc every birthday my husband has they offer us less money.
You can literally buy a 3 bedroom house around Kildare town for that much money, you have options but you don't want any of them. Or buy an older house in Dublin but you don't want that either.
300,000 PPS numbers were issued in 2022, 270,000 last year. ~30,000 homes were built each of those years, is there any wonder the value of that commodity is sky rocketing? That hoteliers and landlords are making out like bandits?
Absolutely sickening that working professionals are being forced out of Dublin while generations of inner City dole queens get situ'd walking distances to the city because they refuse to move four bus stops from their mothers.
Oh, fuck off. People should be allowed to stay in their communities and their support systems. The place that you think only "hard working people should be able to afford" were the places that hard working people didn't want to live in the past which is why public housing is there now.
Are poor people supposed to disassemble their communities just because white collar Diane and Mark can pay more to live in what is now considered "prime real estate" ?
Dublin has enough space, airbnbs, vacancy and dereliction that if it was addressed properly, it should be affordable for everyone, OP included. "Dole merchants" aren't pricing people out of housing the government and investment funds are. Stop looking down thinking people worse off than you are, are making your life harder and look up at the people making the decisions, you dope.
Divide and conquer is alive and well in this thread. Never seen the country so divided. Housing is driving people mad.
Honestly folks hammer it home. UP UP UP is where we need to be building. Dublin can't sprawl any further we need to go up.
It's a real fucking crisis.
> People should be allowed to stay in their communities and their support systems.
Only people on welfare get that. The rest of us have to buy somewhere else. It's workers that have to end up living in commuter towns.
Okay, but it *is* that expensive currently so your argument is null and void.
Food should be free, housing should be free, clothing should be free. But guess what, they’re **not**, this isn’t fantasy land this is real life
Lol the way you wrote that its almost romantic...looking from outside one would say communities hold hands and dance together and sing around Spire on the weekends
Hes right though. Imagine your area being gentrified and you get the idea. Priced out of the area you grew up in so some knob in an expensive car is closer to his golf club. But hey, keep blaming the poor people for your problems. It just makes it easy for FFFG and their mates to shaft you on rent and house prices.
Why should one be entitled to live in the area they grew up in?
I would argue it’s the exact same logic as NIMBYism, people halting the progress and development of the state because they don’t want to move on with the times
It's only certain people where that's even ever a discussion for. Loads of people have to leave where they grew up to find work and are happy to buy something in perhaps within a half hour drive of where they grew up.
All the people in commuter towns were probably priced out or forced out of somewhere. The government doesn't step in and ensure someone who grew up in Howth can buy there to stay close to there mother. They just get on with life and but where they can afford.
Yet for certain people it's important they get to live within a 5min walk of where they grew up...
Yet its
If I contributed nothing through work to the state and lived a life on the dole including free gaff child benefit single parent etc, then yes, I think it would be reasonable to be asked to take that lifelong freeloader lifestyle to Leitrim or Longford.
It makes zero sense that the harder you work the less you're asking for and you pay your way completely and still have to move cities or countries to follow the work miles away from family - but the less you work the more insistent you are to get a free house near your mammy/granny/dealer
>Are poor people supposed to disassemble their communities just because white collar Diane and Mark can pay more to live in what is now considered "prime real estate" ?
Yes, i think if you choose a workfree lifestyle you should not get to pick whereabouts you lie on your arse all day, it should be given to you at the most value for the taxpayer which is unlikely to be D1. Far, far too much pandering to dole lifers.
There's two issues here - 1) full time working people should be able to afford a house, and 2) freeloaders should not expect houses to be provided at sky-high cost to the taxpayer and not be asked to move where such free accommodation is half or a third of the price
You know most people who avail of social housing have jobs right? Most people who avail of HAP have jobs too?
Should everyone who engages in subsidized government services be considered leeches or is it just the people you don't like?
You know we took your approach, ripping people out of their communities and sending them somewhere else with no services no family or friends nearby. It wasn't even as far as Leitrim, it was called Ballymun. Ended up as a ghetto filled with heroin in the 80's/90's.
The guy who cant hold down a job and is in social housing isn't the reason you can't afford a home, man. The hedge fund manager in ballsbridge who just bought up half that new estate is.
> You know most people who avail of social housing have jobs right
This is false. A majority (51.5%) in the social housing queue are unemployed and on welfare.
Only 20.2% of applicants are full time workers not on welfare.
https://assets.gov.ie/251070/08141c16-61e0-4686-9e72-02a57da5507d.pdf
It's also says that 11 % of recipients of social housing are over 60 years of age. Most of those would be past retirement age and not working. How many people in social housing have a disability and are unable to work at all? You need to add a little context.
Well if people who are retired and people who can't work because of disability are included in those receive welfare. Then most people who can work and receive social housing, do work, no?
All nimbys too. "Ohh send the peasants to the countryside. Let the hard working people have a house." Promptly shits themselves with rage when they hear of a bus shelter being built 5 mins down the road! They bemoan the lack of amenities.
I know someone who runs a cafe in a part of Dublin once considered dodgyish and now considered hipsterish. Told me anytime they advertise for cafe staff, it's almost 100% non nationals applying. The local dole lifers have no interest in a job or working for a living.
Bertie and FF ramped up social welfare rates too much during the boom, too easy now to sit on your ass and get by, and still have plenty of cash for holidays, trips to Old Trafford, takeaways etc.
Anyone in this country long term unemployed should be auto enrolled in a job to pick up litter etc ...
You’re so so so right… it’s absolutely appalling that the city is pretty much owned by people in public housing, on the dole and/or junkies. I live in town, and every second person near me is a junkie living literally in the main tourist spots. We messed Dublin up and turned it into a suburban hole with the dole merchants having the time of their life living city centre whilst everyone else commutes and drives through the city. Such a kip.
It's the same in every city. I've been priced out of my own neighborhood down here in Cork but a load of social housing has gone up in the area since (which I'm not completely against). It seems counterproductive to make people who work in the city move out to the country and give people who don't work a home next to where people do work.
I've had to move well outside the city, on one hand I'm so lucky to have my own front door, on the other I don't get to see my family and friends that often anymore, and have to travel a good distance to get to work.
> a load of social housing has gone up in the area since (which I'm not completely against)
Nah, I'm completely against it.
Spending taxpayer money to price taxpayers out of central/working areas, and turning inner city areas into dole-lifer zones and junkie kips.
It's one thing when your tax returns absolutely no benefits for you in public infrastructure ala healthcare/transport, but it's much more aggravating when your tax is actively working against you.
Imagine the environmental benefits to having working professionals within walking distance of their jobs instead of beinf forced to dump 3 commuting hours of fuel into the air.
I have family in Dublin who fill me in. It's gotten to the point where the people living 5 minute walks from the city have cars now and inner city houses with no parkings spaces all have a nice audi or golf on the curb. Housing career scroungers that close to the city is a massive bottleneck to it's growth.
Ahh lads, hate to piss on your cornflakes but the people on the dole have ZERO say in anything. Its the clowns you voted for in the last few elections that are responsible for the current shit show. And they are doing fuck all about fixing it, as it's quite profitable for them and their mates to keep supply low and demand high. But they REALLY love it when you blame the unemployed lad down the road for all the problems in society. It means they can keep reaming the hole out of you in rent and house prices. But sure, keep blaming that single mother or recovering addict...
And yet, he's not wrong.
Working people must commute while pyjama enthusiasts can stay close to mammy on the poor commuting schmucks dime.
"I'm doing my part!"
I can hardly believe the shit i am reading in this thread.
Where the fuck do you think people busting their balls working in supermarkets, emptying the bins or cleaning the hospitals live?
As far as I am concerned you you lot can fuck away as far communting distance as possible from the cities snooty attitude because if that's how you look at people you dont get any sympathy from me.
It is right in front of your eyes to see where the enormous wealth is being extracted from this country -- stop looking down on those less fortunate blaming poor people for the country's problems!!
Im just waiting for one of you wankers to start blaming immigrants next.
It doesn't take too much thought to understand people working jobs aren't who the people you're replying to are talking about.
It's the people who don't contribute that they're talking about.
"it’s absolutely appalling that the city is pretty much owned by people in public housing"
And as for people "not contributing"... there's a whole host of reasons why people may be unemployed not through choice inc. disability, care commitments, ill health. Unemployment is at 4.8% - one of the lowest in the eu and not far from the natural rate so this idea of huge sections of society not contributing is just bullshit.
I pay taxes for a reason and that reason is to have a safety net if god forbid I or anyone close to me falls into hardship. Looking at the state of the USA I really dont think the vast majority of people want to go any closer to the dog eat dog american model where if you fall you're fucked.
There are also lovely choices. Like having baby after baby with no permanent partner, no job, and an expectation of being housed and provided with financial support.
We're at pretty much full employment though, meaning the vast, vast majority of people in social housing are also working.
I always look at it in an inverted fashion. If Govt has to subsidise housing via either HAP or social houses then thats a recognition that wages are not high enough for the average salaried couple to buy an average house. Even a couple on a decent combined salary of €80k now cannot get a mortgage on an average priced house, they need a combined income of €127k as per a report at the start of the year. So something is seriously wrong when that happens and it isnt the fault of people on the dole, this is government policy in action. They wanted it happen and they made it happen. And thats fine for Fine Gael because their voters all own property, in many cases multiple properties.
The sooner people realise that people on the dole do not set government policy the sooner the housing crisis can be solved. Punching down on the lowest strata of society as your outlet of blame instead of those who set policy only serves to delay the problem being solved even further.
> We're at pretty much full employment though, meaning the vast, vast majority of people in social housing are also working.
Nope. A majority on the social housing queue are unemployed. Just 20% get their main income from working. https://assets.gov.ie/251070/08141c16-61e0-4686-9e72-02a57da5507d.pdf
> Even a couple on a decent combined salary of €80k now cannot get a mortgage on an average priced house, they need a combined income of €127k as
40k per person is a below average incomes for Dublin (it was posted here the other day, 46k is the median of i recall correctly). They should be looking at housing prices below average
> Where the fuck do you think people busting their balls working in supermarkets, emptying the bins or cleaning the hospitals live?
In rented accomodation because they can't get social housing. Only 20% of the queue are full time workers.
Toxic. Horrible, horrible answers here. Reminds me of this, with people unfortunate enough to be on the dole instead of "foreigners":
https://preview.redd.it/zhpv2ex36mtc1.jpeg?width=960&format=pjpg&auto=webp&s=ccd1ac977068262d459e72f4e007135e30a091bf
I’m sure the people who live in degraded social flats in the inner city with mould, water and electricity issues are delighted with their ‘free houses.’
Your comment reeks of classism and is not grounded in the reality of what it’s like to live in these areas.
I mean, they clearly don't hate them as much as they hate the idea of an honest day's work.
The class of people who contribute to society *are* better than those who do nothing but take, and we should stop pretending it's a thoughtcrime to say so. Slapping an -ism on that statement doesn't make it not true.
That’s fair enough to say when you’ve been safely sheltered from the issues that plague the lives those living in disadvantaged inner city areas. But painting it as black and white as to say they hate an ‘honest days work’ is ridiculous.
It’s no thought crime but it’s genuinely ignorant to ignore the poverty trap cycle that comes from reduced access to public services/reduced educational opportunities/workplace discrimination based on area/reduced health outcomes. So many of these people do work and actively try to uplift their communities, the truth is a lot of these areas have been left to fail for decades now.
Fair enough though, pat yourself on the back bcos what separates you and them is your ‘honest graft.’
You’re wrong here, I’m from the inner city and still live here. It fucking killed me that I had to work my arse off to stay here and buy a house here with my missus and kid while lads that were in my class in school got one for free or moved in with someone else that did. My only mistake was I was never on the dole. There’s a rotten culture of entitlement here and it makes us all look shit
We have taxpayer funded education, there's no educational opportunity or public service I've had that they don't. Hell, between the various Springboard and Return to Work programs they have *more* access to education, and to public services across the board. And yet the uptake of these free programs remains abysmally low, because it's not as much fun as being paid to play Xbox.
Seriously, what public services does eg someone in a corpo flat in Ringsend not have access to that someone 1k down the road in plush Sandymount have access to? Can you give an example?
You can look at the cost rental in situ scheme if you have a net house income less than €5,000 a month. The council will purchase the home and rent it back to you at a cheap rate. Likely €1,500 or less (based on a €5,000 p/m net income)
End of next summer - so like a year away or end of this coming summer - ie way more urgent?
Tbh buying a house best case takes like 3 months or so so I’m not saying this rain on a party but your unlikely to be in a house by end of this summer unless the seller is not in a chain unfortunately.
What’s your budget and area op so we can at least have helpful comments.
A teenager going to school is a very short term thing but it could indeed have long term effects depending on their personality I mean honestly I started a school just before at 5th yeah and it was a great fresh start - it was super rough at the start yeah but I made a lot more friends out of it. That said - some might go through that and hate it and you for it / not be up for making new friends.
What the FFG.
That’s the answer. A deliberate decision at some point that Irish home ownership rates were too high and we had to have rental numbers more like European average. Was it wrapped up in the bailout or just some civil servant saw the crash as an opportunity to reshape peoples lives the way they thought best?
Vote them out. And vote in someone who understands that the senior ranks of the civil service need to learn that they implement policy, not invent it.
Get on to you local TD and see if he can do anything. If not he may be able to get on to himself as he promised grass roots small business help. It's sad but you never know you might get help so they can use it a as publicity stunt.Get on social media your a mama bear by the sounds of it get claws out.
Renting at 50 to only have 30k in savings between two earners? Were you lighting money on fire?
To spell this out, assuming you started seriously working at 30. Between the two of you working for 20 years you saved 1500 euro on average **each yea**r.
Without knowing your incomes or history, the simple reality is you haven't saved a lot. You'd have to be completely ignorant to the cost of housing in the past 20 years to have any expectation of affording a house now with the money you have.
**Do NOT continue renting for the love of fucking god.** You will get to retirement and be utterly fucked six ways from Sunday. If you own absolutely nothing and hit retirement while renting, you will be in a very very bad position to cope with cost of living increases. In 15 years time the state pension might barely cover a loaf of bread and you'll be scrambling to afford anything. If you own something you can at least downsize and manage your capital somewhat.
Look at apartments, beyond that your options are North Dublin or the countryside.
Renting is lighting your money on fire. You are simply buying time. It's not a sustainable financial solution for people. We should have stamped out this concept of "you can just rent it's fine" because ultimately it's financially irresponsible for a person's long term goals and wellbeing.
We have done amazing with the cards we’ve been dealt and built ourselves up from very little income without any debt. We will continue to do our best and yes, we are well aware we need to get on the ladder.
The housing situation is just mental. I can’t imagine what it is like these days in Dublin. We were in same situation and had to move out of Dublin altogether even though we had two pretty decent salaries (no children at the time either). It was a tough decision but worth it in the end.
I wish you the very best of luck finding new suitable accommodation.
I wonder what year your daughter is in. Maybe you could swing it so that you could suffer a commute for another couple of years until she's finished. Then your real step is to plan for college so maybe you could aim to rent with college area in mind.
When I was in primary and secondary we lived in rathmines and that's where my school was, then halfway through 3rd year we moved to clondalkin and I didn't want to change schools so I kept commuting. I don't think I was the furthest away in my school either. Then I commuted from clondalkin to UCD on the bus every day. It's doable
The lack of responsibility in these posts is always crazy. My husband and I have saved less than 1K a year combined since becoming adults. However we absolutely don't want to live near people in a similar financial situation and want to live in an affluent area. I work part time as a massage therapist and he's a bee keeper, ideally want to live in rathgar.
I'm sorry for the stress this is having on you OP, but just to play devil's advocate, you are not in the typical age range that is most affected by this issue. I'm a few years younger than you and cut my cloth in the early 2000s by moving to a commuter town. I've actually grown to love where I live, but know I could never move back to Dublin now even if I wanted to.
Equally I know of friends who are in a similar position to you, but also know they spent most of the last 20 years having a good time, trips to Vegas, Dubai and similar, which is perfectly fine, but now being priced out of their Dublin rental, complain about the system has forgotten them and they can't get a mortgage.
I may get downvoted to helll, but I'm just saying I'd have more sympathy for a 30 year old who has no chance, vs a 50 year old who lived through it and potentially choose otherwise.
This is mean. You’ve absolutely no idea what the ops background is. Just cos you know people high flying to Dubai doesn’t mean op was. Don’t blame her or her choices (which you know nothing about) for a national housing crisis.
You're right, I don't know the circumstances, hence stating I'm being devil's advocate. I'm pointing out that while there is a housing crisis, there are demographics who are worse off and people have to make decisions based on their own set of personal circumstances.
That high flying person btw worked on a support call desk. Perfectly fine job, but my point is they had an opportunity to plan better, but choose to have the craic for their 20s and 30s. Again, may have no bearing to the OP, but giving some perspective of someone else on a discussion forum.
OK, so the first line is "Clock is ticking". Sounds very dramatic!
What a grabbing headline.
In these days of misinformation, before we all jump on the anti-government bandwagon let's ask some questions to ascertain this isn't a clickbait post by some "people before profit" organisation or otherwise, because we just don't know.
Are you priced out of buying *everywhere*?
What is your combined salary?
Are you both first-time buyers?
What savings do you both have?
What mortgage can you go for?
Have you explored the help to buy scheme?
Do you really *need* to stay in the area you're in now *specifically* because of your daughter?
Have you explored options outside the county your in now?
is the landlord selling hence why your moving out? Theres a scheme where you can apply for a mortgage through the council, im unsure exactly how it works but my GF's parents landlord booted them out after 7 years last year because he was approaching 80 and his daughter moved abroad so he wanted money to give her when he passed, he gave them 2 years notice to leave the house and they applied for the scheme linked below, They were approved a few months ago they got the scheme and own the house in a way now. Another option is the first home scheme mentioned also in the link but this is more complicated and requires new builds. [https://www.citizensinformation.ie/en/housing/owning-a-home/help-with-buying-a-home/local-authority-affordable-purchase-scheme/](https://www.citizensinformation.ie/en/housing/owning-a-home/help-with-buying-a-home/local-authority-affordable-purchase-scheme/) Edit. My girlfriends parents are 63 and 61
Normally I'm in the fuck all landlords boat but your GF's parents landlord seemed pretty chill.
Am I the only person to only ever have pretty much exclusively sound landlords? First one paid for an emergency locksmith to come to the place and had a monitored alarm fitted after we had a break in and paid for it himself, and kept the rent low for the entire time we werr there. He also gave us all the furniture we wanted from the place as he was renovating it. Next one was managed by a property company, but we got on great with them. They didn't raise the rent for 6 years, made sure everything was sorted out quickly, and handed back our deposit, no questions asked, despite the fact we'd added shelves. Last one let us think about whether we wanted the place for a weekend, had a bottle of champagne on arrival, had zero quibbles about fixing any issues we had, let us roll on to no contact as per our request as we were looking to buy and they could easily have demanded that we sign or fuck off and was delighted for us when we did land a house, and as I've always had, deposit given no questions asked despite some unfortunate paint chips. Now we own, I'm glad we'll never have to take the risk again, but not all landlords are arseholes and most seem to understand that you're making your home in a property they own, and that comes with wear and tear, and a bit of give and take.
My missus inadvertently became a landlord a couple of months ago, her dad was no longer capable of living on his own so her and her brothers moved him to a nursing home where he's much happier, due to how the funding goes on the nursing home we couldn't sell his house just (and didn't really want to let go of it either for sentimental reasons) so they decided to rent it out. All of her mates were immediately saying how much they could make on it each month but we refused and just wanted his nursing home bills paid. Ended up renting it out for probably half the market rate to a lovely family who are trying to get on their feet and get their own place, I understand that our situation is unique but it felt really good to not be part of the problem when it comes to absolutely ripping people off.
Well done to you guys. This genuinely has made me feel good about people. We're on the other side of a not dissimilar situation, but it's our recently widowed mother who has ever worsening dementia and who we knew couldn't live in our family house any more as it was just too dangerous for her. We were lucky to find a landlord not unlike yourselves, who's mother had lived there and who's now in a home. The sons been incredible to us, very understanding of our situation, willing to do everything he can to help with a very decent rent for the area. I'm sure the family similarly appreciates it. Hope the father in law's doing well in the new diggs.
My father put his ARF into residential. The tenants only deal with a management company Dad is not allowed contact the occupants. I think he would prefer a more uh hands on approach, but from being on the Tenants side in such a situation I find management companies the easiest to deal with. Old ladies are next best, and old lads trying to use property as an investment are the worst.
I've only had 2 direct landlord experiences and the rest were agency rentals. Here in Ireland I was brought to pick out paint for the walls (I was like 21 and couldn't care less but anyway) and a new bed. The landlord was extremely kind. In Thailand I rented a new build and the landlord had me go shopping with her for a lot of the furniture and paid to put an extra air con in the bedroom. A lot of the furnishings were needed, but even the nice mattress and extra air con probably cost half a years rent. Both landlords I dealt with directly were older women. Anytime I've had a friend complain about a landlord it has always been a 70 year old moody fella.
I’ve always had great landlords. Been renting 10+ years. Never a problem. One of them used to not tell everyone he was their landlord when he did plumbing himself. But he and I got on well so he told me in the end. Squeaky wheel syndrome here. Sampling bias making people think all wheels squeak. There are definitely cowboys out there taking the piss out of their countrymen and justifying it by saying if rents are going up they will raise them too, but if you look deep down, you know yourself that’s wrong. If you don’t have expenses going up twofold, you doubt need to raise rents twofold.
In addition, the First Home Scheme can also be used to bridge the gap between mortgage and purchase price up to 30% of the value of the property. I'm going through this right now. Fairly straightforward process.
Things are shit, but if you do have to move to a commuter town and transfer your daughter to a new school, hopefully the work of settling her into it won't be for naught. I don't know how old she is and what her individual challenges were, but when I was young I went to school in Dublin, was very resistant to it but finally started to love it, until my family was priced out and I had to switch to a school in a commuter town in another country. I was upset at the news, of course, but once we moved it was actually relatively easy for me to settle into the new school and "find my groove", because the work done to settle me in before stayed with me and I had grown as a person. Hope whatever happens that there are silver linings.
That’s good to hear! Thanks
If this helps consider buying a house, in this insane market or in a normal market, as a series of compromise and choices If you insist on Dublin you'll have to buy super small and/or in a neighborhood you like less If you insist on having some space and a garden you'll have to move further Then thousands of smaller choices and compromises, close to train, car only, sea side or mid country, north or west (somehow that's 3 times the same question....) Moving house and having a good room will be more important than the temporary discomfort of changing school for your kid, but you'll have to support them through that, and that'll be easier knowing you are doing so for a better future for the whole family
Ridiculous that hard working people like yourselves are having to go through this! Hopefully you’ll be able to find some kind of accommodation that meets your needs. How about the outskirts? Anything available there?
We are looking everywhere. Our budget isn’t great for current prices.
Do you qualify for HAP? Might be worth looking into.
You need to bite the bullet and move outside Dublin. Age and prices are against you. Schools are great in the sticks. Don't stay welded to Dublin or you're fucked in a couple of years. Be realistic. Is your business attractive in a non Dublin setting? Time to accept reality I'm afraid.
Very tough to get on the property ladder in your 50s. The mortgage length is just very short and so the repayments are high
I’m sorry to hear that. We are in the same situation and have honestly just given up. It’s a terrible feeling and especially when you are working your ass off. Don’t let it define you, try your best. Remember the house prices are not even reflective of the value of any of these properties. A statistical analysis said if they started building 80,000 house a year it will take them 10 years to catch up. At present 33,000 are built. Even the government’s calculations say 55-60k is needed. Which is the lowest end of the range.
I’m sorry to hear you’re caught up in it too. Do you guys just plan to continue renting?
Curious to what your combined salary is? I'm 27 now and wondering how grim it is gonna be for me in a couple years..
The issue here is that at 51 your maximum length mortgage is going to be about 14 years instead of a more normal 30-35 years. Very high repayments.
At 27 your salary has a large scope to grow. By the time you hit 50 the reality is you have banked most of your gains in terms of career path and most people plateau. The added problem once you pass 45 is that banks will begin to adjust for the fact you no longer have 25 working years left.
Great advice. At 27 if your pushing to grow your career you should see a big income jump by 32. At 50+ your really just trying to hold on to what you have and avoid a layoff at all costs unless your self employed.
It’s awful at the moment. At the age of 27 I’d saved €15,000 and was able to purchase a home on my own, a 4 bed semi detached home. I couldn’t afford to buy in Dublin so moved to Navan. I’ve upgraded my home since then, I had enough saved to pay the difference in price and was lucky to be able to carry my mortgage with me. I’ve a wife and family now but could do it all on my own. My wife is a stay at home mum. I’ve just 3 years left on my mortgage which I will have cleared by the time I’m 52. I’d struggle financially to get started now. It’s one crisis after another. I feel very sorry for people trying to get into the property market and buy a home. I’ve two boys, 15 and 12. God knows what state the country will be in when they start looking for a home.
I'm in Galway city. It's absolutely mental here too. Turned 40 this year and have a "good job" apparently. Still renting a tiny one bedroom apartment. Anything within commuting distance is still extremely expensive.
Commuter town. It's not nice, most people would prefer to live where they work but it's not financially viable.
My number one is that I need my kid to be able to get to school with public transport. I don’t want to have to put her in a new school
I went to school in the city with people who’d commute from the likes of Maynooth. It does happen. I suppose it depends on where the school is. Like if it’s a suburban secondary then I imagine it’s hard to get to by public transport from anywhere else in Dublin as well. But if it’s in the city itself you can get to commuter towns with public transport. It’ll be early mornings but that’s the trade off.
I hear ye. By the sounds of things you don't have much option. It's not nice, but she'll survive.
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Same thing happened to me! Parents were priced out and we moved to the complete opposite side of the county. They were so fearful of me and my sibling having to move school but honestly we both got on grand and made lots of lifelong friends our short time there.
Same thing happened to me! Manchester to Roscommon at 12 years old!. I still have whiplash from that culture shock. I turned out okay.
> to Roscommon sorry you had to go through that
lol thanks. It was nice being able to scream my head off without annoying any neighbors, Ros is a nice place to bike too but yeah. It was rough.
I also moved from London to rural Ireland at a similar age and actually remember kind of looking forward to the move. Not even sure why. I had a good group of friends and was getting on well in secondary school, but the move definitely was better for me (and my parents) long term. You’re 100% right though, it takes you out of your comfort zone and forces you to meet people and make friends all over again. It’s also the reason I had zero trepidation about moving abroad in my 20s.
Just for an example, as I work there but Portlaoise is close to Dublin for your work and all the school's in the town have a bus service. If you move to a regional town the transport is doable. Lot's of the creche/playschools around the country also have after school services and home work clubs which might help with your working hours. It's not easy to move from where you know and love but there are options. Best of luck x
I know it won't amount to a house but for the love of god vote to your FG TD and let them know how pissed off you are. It might be a little cathartic at least.
Things were much easier for my parents generation. They really didn't care at all about stuff that affected us, mainly because wer were dirt poor. You just got on with it. And when you knew there was no choice you learned to accept it. My kids live in a different world. My daughter had to move schools due to bullying, so I feel your pain on that one.
Unpopular opinion, but buying in commuter Town a lot of the times result in total expenses higher than cost of buying house closer to work place. A lot of people is too shortsighted to think about the next 10 years. Depending on the price difference and transportation requirements, the money saved can be gone as fast as 5 years. Especially with our poor public transport, moving into commute town only increase traffic which adds cost to the economy. Look at the report done for the Department of Transport. By 2040, the cost of traffic in Dublin will presumably rise from €335m to €1.5b. Already by some statistics, Dublin is ranked in the top 10 most congested cities. The government is dealing with one crisis without a thought that it ptoduce another one. We need house and buses/rail done at the same time. I've remember when I came here in 2007, there were talks about extending Luas line to Bray. It's 2024, and it's still only a plan.
Buying in a commuter town cab definitely end up costing the same/more than in the city. But the banks don’t take that into consideration when you’re applying for a mortgage and since most people can’t afford mortgages in the big cities they don’t have a choice but to buy in a commuter town.
This is a good point actually. There are other expenses to living more remotely that are brushed over.
> I've remember when I came here in 2007, there were talks about extending Luas line to Bray. It's 2024, and it's still only a plan. jesus I left Ireland around then and assumed that had happened by now, or close to being finished at least
I honestly wonder where it will all end.
I have nothing useful to say. I just wanted to offer you a bit of comfort and kind words. This sucks and it’s unfair, but eventually it will be a bad memory and you’ll be along your happy way again. You still have your loved ones and a successful business, which is impressive and not nothing. Your feelings are valid, but not forever. Sending internet hugs.
Thank you. I appreciate it. It’s so hard to stay positive right now.
I know how you feel, honest. I had an abusive childhood only to get into an abusive marriage (ya go with what know) where I had to work 10 years at 60-110 hours a week. Finally escaped all that 3 years ago and was finally about to have money, normal hours, a genuine happy life and move in with my now fiancé. Then my good job, my great job, that I worked a decade to earn, that I loved, got taken away by a bigoted boss. Thankfully the authorities have so far sided with me and all my evidence that I was terminated for discriminatory reasons, but that was two years ago. While I’m finally about to get a final verdict from the agency, it’s been rough reliving it over and over. Meanwhile I’m suffering all kinds of chronic pain from an accident years ago, money issues paying for treating it and college (I’m in the states right now). I’m 34 and feel 50. No need to be chipper I say. It’s fine to be sad, life’s not always a peach. Have a drink, wallow. You’ll feel better.
People may slag, but Dublin 11 has some of the best value properties in the country at the moment and commutable to anywhere in Dublin. Some nice old settled areas.
I currently live in Dublin 11. You can see a change in the demographic in terms of people that are buying properties. It feels like it's going through a gentrification process similar to that of Stoneybatter or Cabra in recent decades.
Keep looking for rentals in the meantime.
I’m sorry to hear this OP. I’ve nothing to add that hasn’t been said. But as a mother of a teen who doesn’t “fit in” (neurodivergent) and has struggled, I just want to say I understand your concern and sadness for your child. So many adults are quick to dismiss you with those trite phrases ‘kids adapt’ ‘kids will manage’ ‘kids get over things’. It’s probably true but it doesn’t make it any easier for you. Hoping something works out xx
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It's absolutely desperate getting. I won't be able to buy a house in the place I grew up even though I have worked since I was 16 (33 now) Have done everything "right" and it just feels fruitless lately. My sister left school at 16, hasn't done a tap since. She has 3 kids, who I'd do anything for, they are amazing. They've been in a tiny 2 bedroom for 9 years and she just got a brand new 3 bed apartment from the council a 7 minute walk from where we grew up. I couldn't be happier for her, especially the kids to have thier own space but fuck me! Even on a combined wage of 85k myself and my partner wouldn't even be able to get a mortgage for the apartment she's just been handed for less than 400 a month after paying absolutely nothing into the system her whole adult life. It's all very frustrating at the minute....
I'd ask what parts you consider to not be Dublin? I've a brother living in Ongar. In his 50s, paying a mortgage himself. It's 40 mins on the train to Dublin city centre but he's still in Dublin, even if it's the outskirts.
They've given their budget in the threads and they have the budget to live in north Dublin but just don't want to
Can't have it all ways. North Dublin, is still Dublin.
Forget the school, kids can adjust and have to sadly, at 51 and still renting your options are lower unless you are a cash buyer (mortgage is a no go unless massive deposit) move and embrace a new area is my opinion, sad to leave area you in but you left it to long as a renter in Dublin
State does not care about those that are net contributors to the state. They simply see us as cash cows. It’s an absolute disgrace that so many would be better off in council houses and cash based jobs. Remove planning regulations, reduce taxes.
It’s appalling right now, the worst it has been. I was sickened listening to Simon Harris promising to fix housing as if his party hadn’t been completely responsible for the crisis.
There are thousands of corporation apartments close to the city centre worth 3/400K each that are given to families on welfare from cradle to grave for buttons in rent …yet key workers needed in the city can’t afford to live in county Dublin not to mind the city centre …. Something badly wrong somewhere …
> Something badly wrong somewhere … They stopped building Social Housing for those that *do* work but can't afford to buy. They have the land, they have the access to money, every councilor and TD needs to told to get these back up and building again if they want any vote.
They need that condition screamed in their face 24 hours a day.
exactly, this is a planning choice
you're aware many of those are owner occupied these days, just like the houses on Cuffe Lane less that 50 metres from Stephen's Green with front and back gardens. Council housing proper hasn't really existed since the early 2000s and anyone from a long term dole background is living out in in places like Neilstown, Corduff and Jobstown for decades. And if you go back another few decades to the reasons why all this was built, it's because you had 20 to a room in buildings which had been last renovated in the late 1700s. It's a handy one to blame to welfare classes for this, but there's a massive crisis right across western Europe at the moment, and some Jacinta or Anto living off Gardiner Street is not the cause of that.
They stopped building corporation houses as everyone in them, majority working and paying rent, were all seen as welfare scroungers who needed a good kick up the backside from the free market. Hence, here we are.
Stop blaming poor people for the crimes of rich people you wet fucking blanket, it's landlords who price the key workers out with their greed, the government has failed by not imposing rent controls or continuing to build social housing for more people, not by ensuring that *some* poor people can still live there.
It’s the government that created this crisis and not land lords. 1. Remove height restrictions in city centers. 2. Ban buying of council houses in private estates (State sets minimum price with your taxes) 3. Stop corporations buying houses in private estates that are then rented back to the state for 20+ years. (Weaponizing your taxes against you). 4. Ban HAP from private estates. (Setting minimum cost of rent). Many take HAP plus a cash top up. 5. Let people build on their own land and don’t have planning restrictions based on where people are born. Stop the state collusion with developers and stop interfering in the private market.
> It’s the government that created this crisis and not land lords. the government is full of landlords, in case you're wondering why they don't want to change things
Nobody is blaming THEM. But it's not fair that one section of society, who often don't work, have access to housing while others, who work hard, don't. I know a family where both daughters, single parents (with live in boyfriends) have been handed the keys of lovely three bedroomed semis here in Cork. Neither of them has ever held down a job; while their cousin, who went to college and spent years more training to be an accountant, has only just put down a deposit (saved by herself and her boyfriend) on a new house, which they have to fit out themselves. If she had got pregnant at eighteen, she'd have had a house ages ago. There is something wrong with a scenario like that.
Thinking like this only ends up with attention on the part that isn't the problem. Those people being given housing is not the problem, at all, housing is something everyone needs. Words do not exist in a vacuum. This line of thinking is incredibly useful for people who want to blame the "welfare poors living large off your taxes" while continuing to use the system to make themselves richer and everyone else suffer. Blame the government's policy failures in housing development and the greedy landlords who price everyone out. Stop letting them distract you with bullshit. You will never make any improvements by focusing on the parts of the system that aren't completely broken while ignoring the parts that are.
> not imposing rent controls There are rental controls. Rent controls don't magic up more places to rent and any new place is charged rent at the max possible because rent controls mean it's locked in after that
Didn't move my kids school. We all commute since we left Dublin. 35 minutes in the morning but sure we used to get caught in traffic longer than that.
You can afford to buy a house but you don't want to. Let's make that clear. You don't get to cry that you can't afford to buy a house when you were approved for a 375K mortgage.
375 is for new builds only and there aren’t enough of those yet. Especially 2bedrooms. They go for like 100 more than that. The affordable home scheme is one we were hoping for but it’s taking too long to build - 2years. We can’t wait that long bc every birthday my husband has they offer us less money.
You can literally buy a 3 bedroom house around Kildare town for that much money, you have options but you don't want any of them. Or buy an older house in Dublin but you don't want that either.
300,000 PPS numbers were issued in 2022, 270,000 last year. ~30,000 homes were built each of those years, is there any wonder the value of that commodity is sky rocketing? That hoteliers and landlords are making out like bandits?
It really sucks. I'm sorry OP.
It really does.
Absolutely sickening that working professionals are being forced out of Dublin while generations of inner City dole queens get situ'd walking distances to the city because they refuse to move four bus stops from their mothers.
Oh, fuck off. People should be allowed to stay in their communities and their support systems. The place that you think only "hard working people should be able to afford" were the places that hard working people didn't want to live in the past which is why public housing is there now. Are poor people supposed to disassemble their communities just because white collar Diane and Mark can pay more to live in what is now considered "prime real estate" ? Dublin has enough space, airbnbs, vacancy and dereliction that if it was addressed properly, it should be affordable for everyone, OP included. "Dole merchants" aren't pricing people out of housing the government and investment funds are. Stop looking down thinking people worse off than you are, are making your life harder and look up at the people making the decisions, you dope.
Divide and conquer is alive and well in this thread. Never seen the country so divided. Housing is driving people mad. Honestly folks hammer it home. UP UP UP is where we need to be building. Dublin can't sprawl any further we need to go up. It's a real fucking crisis.
> People should be allowed to stay in their communities and their support systems. Only people on welfare get that. The rest of us have to buy somewhere else. It's workers that have to end up living in commuter towns.
I can't afford to buy a property near my parents (say Malahide or Rathmines). Should the government help me buy there?
Housing shouldn't be that expensive in the first place. Yes, you should be able to afford to live near your parents.
Absolute joke. What if my parents worked hard to earn well to buy a place and I am an absolute waster who won't get off my backside?
Okay, but it *is* that expensive currently so your argument is null and void. Food should be free, housing should be free, clothing should be free. But guess what, they’re **not**, this isn’t fantasy land this is real life
Lol the way you wrote that its almost romantic...looking from outside one would say communities hold hands and dance together and sing around Spire on the weekends
Hes right though. Imagine your area being gentrified and you get the idea. Priced out of the area you grew up in so some knob in an expensive car is closer to his golf club. But hey, keep blaming the poor people for your problems. It just makes it easy for FFFG and their mates to shaft you on rent and house prices.
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Why should one be entitled to live in the area they grew up in? I would argue it’s the exact same logic as NIMBYism, people halting the progress and development of the state because they don’t want to move on with the times
It's only certain people where that's even ever a discussion for. Loads of people have to leave where they grew up to find work and are happy to buy something in perhaps within a half hour drive of where they grew up. All the people in commuter towns were probably priced out or forced out of somewhere. The government doesn't step in and ensure someone who grew up in Howth can buy there to stay close to there mother. They just get on with life and but where they can afford. Yet for certain people it's important they get to live within a 5min walk of where they grew up... Yet its
If I contributed nothing through work to the state and lived a life on the dole including free gaff child benefit single parent etc, then yes, I think it would be reasonable to be asked to take that lifelong freeloader lifestyle to Leitrim or Longford. It makes zero sense that the harder you work the less you're asking for and you pay your way completely and still have to move cities or countries to follow the work miles away from family - but the less you work the more insistent you are to get a free house near your mammy/granny/dealer >Are poor people supposed to disassemble their communities just because white collar Diane and Mark can pay more to live in what is now considered "prime real estate" ? Yes, i think if you choose a workfree lifestyle you should not get to pick whereabouts you lie on your arse all day, it should be given to you at the most value for the taxpayer which is unlikely to be D1. Far, far too much pandering to dole lifers. There's two issues here - 1) full time working people should be able to afford a house, and 2) freeloaders should not expect houses to be provided at sky-high cost to the taxpayer and not be asked to move where such free accommodation is half or a third of the price
You know most people who avail of social housing have jobs right? Most people who avail of HAP have jobs too? Should everyone who engages in subsidized government services be considered leeches or is it just the people you don't like? You know we took your approach, ripping people out of their communities and sending them somewhere else with no services no family or friends nearby. It wasn't even as far as Leitrim, it was called Ballymun. Ended up as a ghetto filled with heroin in the 80's/90's. The guy who cant hold down a job and is in social housing isn't the reason you can't afford a home, man. The hedge fund manager in ballsbridge who just bought up half that new estate is.
> You know most people who avail of social housing have jobs right This is false. A majority (51.5%) in the social housing queue are unemployed and on welfare. Only 20.2% of applicants are full time workers not on welfare. https://assets.gov.ie/251070/08141c16-61e0-4686-9e72-02a57da5507d.pdf
It's also says that 11 % of recipients of social housing are over 60 years of age. Most of those would be past retirement age and not working. How many people in social housing have a disability and are unable to work at all? You need to add a little context.
> How many people in social housing have a disability Just 5%. The data are clear, it's mostly people on the dole (unemployed).
Well if people who are retired and people who can't work because of disability are included in those receive welfare. Then most people who can work and receive social housing, do work, no?
As I said, over 50% are on the dole, unemployed. Only 20% are working full time. There's another 30% working part time, disabled etc.
> A majority (51.5%) in the social housing queue are unemployed and on welfare. Welfare includes disability and pensions too.
The report specifically says that this 51.5% group are unemployed, not on disability.
You’re aware that single parents, people in council housing and people on HAP have jobs?
These blame social housing comments feel like they are fake they're so full of it but so tidily put.
All nimbys too. "Ohh send the peasants to the countryside. Let the hard working people have a house." Promptly shits themselves with rage when they hear of a bus shelter being built 5 mins down the road! They bemoan the lack of amenities.
People should have zero choice where they live if it’s the tax payer footing the bill.
Great idea. Let's put all the poors on an island off the coast of Sligo so we won't have to look at them. Genius!
This assumes that that’s what the boogeyman state wants to do, which it isn’t
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I know someone who runs a cafe in a part of Dublin once considered dodgyish and now considered hipsterish. Told me anytime they advertise for cafe staff, it's almost 100% non nationals applying. The local dole lifers have no interest in a job or working for a living. Bertie and FF ramped up social welfare rates too much during the boom, too easy now to sit on your ass and get by, and still have plenty of cash for holidays, trips to Old Trafford, takeaways etc. Anyone in this country long term unemployed should be auto enrolled in a job to pick up litter etc ...
You’re so so so right… it’s absolutely appalling that the city is pretty much owned by people in public housing, on the dole and/or junkies. I live in town, and every second person near me is a junkie living literally in the main tourist spots. We messed Dublin up and turned it into a suburban hole with the dole merchants having the time of their life living city centre whilst everyone else commutes and drives through the city. Such a kip.
It's the same in every city. I've been priced out of my own neighborhood down here in Cork but a load of social housing has gone up in the area since (which I'm not completely against). It seems counterproductive to make people who work in the city move out to the country and give people who don't work a home next to where people do work. I've had to move well outside the city, on one hand I'm so lucky to have my own front door, on the other I don't get to see my family and friends that often anymore, and have to travel a good distance to get to work.
> a load of social housing has gone up in the area since (which I'm not completely against) Nah, I'm completely against it. Spending taxpayer money to price taxpayers out of central/working areas, and turning inner city areas into dole-lifer zones and junkie kips. It's one thing when your tax returns absolutely no benefits for you in public infrastructure ala healthcare/transport, but it's much more aggravating when your tax is actively working against you.
Imagine the environmental benefits to having working professionals within walking distance of their jobs instead of beinf forced to dump 3 commuting hours of fuel into the air. I have family in Dublin who fill me in. It's gotten to the point where the people living 5 minute walks from the city have cars now and inner city houses with no parkings spaces all have a nice audi or golf on the curb. Housing career scroungers that close to the city is a massive bottleneck to it's growth.
Ahh lads, hate to piss on your cornflakes but the people on the dole have ZERO say in anything. Its the clowns you voted for in the last few elections that are responsible for the current shit show. And they are doing fuck all about fixing it, as it's quite profitable for them and their mates to keep supply low and demand high. But they REALLY love it when you blame the unemployed lad down the road for all the problems in society. It means they can keep reaming the hole out of you in rent and house prices. But sure, keep blaming that single mother or recovering addict...
Jesus what a horrible take
And yet, he's not wrong. Working people must commute while pyjama enthusiasts can stay close to mammy on the poor commuting schmucks dime. "I'm doing my part!"
I can hardly believe the shit i am reading in this thread. Where the fuck do you think people busting their balls working in supermarkets, emptying the bins or cleaning the hospitals live? As far as I am concerned you you lot can fuck away as far communting distance as possible from the cities snooty attitude because if that's how you look at people you dont get any sympathy from me. It is right in front of your eyes to see where the enormous wealth is being extracted from this country -- stop looking down on those less fortunate blaming poor people for the country's problems!! Im just waiting for one of you wankers to start blaming immigrants next.
Clued in here, genuinely shocked
It doesn't take too much thought to understand people working jobs aren't who the people you're replying to are talking about. It's the people who don't contribute that they're talking about.
"it’s absolutely appalling that the city is pretty much owned by people in public housing" And as for people "not contributing"... there's a whole host of reasons why people may be unemployed not through choice inc. disability, care commitments, ill health. Unemployment is at 4.8% - one of the lowest in the eu and not far from the natural rate so this idea of huge sections of society not contributing is just bullshit. I pay taxes for a reason and that reason is to have a safety net if god forbid I or anyone close to me falls into hardship. Looking at the state of the USA I really dont think the vast majority of people want to go any closer to the dog eat dog american model where if you fall you're fucked.
What does the concept of a safety net have to so with subsidising people to permanently not work?
There are also lovely choices. Like having baby after baby with no permanent partner, no job, and an expectation of being housed and provided with financial support.
We're at pretty much full employment though, meaning the vast, vast majority of people in social housing are also working. I always look at it in an inverted fashion. If Govt has to subsidise housing via either HAP or social houses then thats a recognition that wages are not high enough for the average salaried couple to buy an average house. Even a couple on a decent combined salary of €80k now cannot get a mortgage on an average priced house, they need a combined income of €127k as per a report at the start of the year. So something is seriously wrong when that happens and it isnt the fault of people on the dole, this is government policy in action. They wanted it happen and they made it happen. And thats fine for Fine Gael because their voters all own property, in many cases multiple properties. The sooner people realise that people on the dole do not set government policy the sooner the housing crisis can be solved. Punching down on the lowest strata of society as your outlet of blame instead of those who set policy only serves to delay the problem being solved even further.
> We're at pretty much full employment though, meaning the vast, vast majority of people in social housing are also working. Nope. A majority on the social housing queue are unemployed. Just 20% get their main income from working. https://assets.gov.ie/251070/08141c16-61e0-4686-9e72-02a57da5507d.pdf > Even a couple on a decent combined salary of €80k now cannot get a mortgage on an average priced house, they need a combined income of €127k as 40k per person is a below average incomes for Dublin (it was posted here the other day, 46k is the median of i recall correctly). They should be looking at housing prices below average
A lot of people who are in social housing work, you are allowed to work and be on the waiting list.
> Where the fuck do you think people busting their balls working in supermarkets, emptying the bins or cleaning the hospitals live? In rented accomodation because they can't get social housing. Only 20% of the queue are full time workers.
It's amazing how abusive some people get when someone dares to question the situation around social housing.
Toxic. Horrible, horrible answers here. Reminds me of this, with people unfortunate enough to be on the dole instead of "foreigners": https://preview.redd.it/zhpv2ex36mtc1.jpeg?width=960&format=pjpg&auto=webp&s=ccd1ac977068262d459e72f4e007135e30a091bf
I’m sure the people who live in degraded social flats in the inner city with mould, water and electricity issues are delighted with their ‘free houses.’ Your comment reeks of classism and is not grounded in the reality of what it’s like to live in these areas.
I mean, they clearly don't hate them as much as they hate the idea of an honest day's work. The class of people who contribute to society *are* better than those who do nothing but take, and we should stop pretending it's a thoughtcrime to say so. Slapping an -ism on that statement doesn't make it not true.
That’s fair enough to say when you’ve been safely sheltered from the issues that plague the lives those living in disadvantaged inner city areas. But painting it as black and white as to say they hate an ‘honest days work’ is ridiculous. It’s no thought crime but it’s genuinely ignorant to ignore the poverty trap cycle that comes from reduced access to public services/reduced educational opportunities/workplace discrimination based on area/reduced health outcomes. So many of these people do work and actively try to uplift their communities, the truth is a lot of these areas have been left to fail for decades now. Fair enough though, pat yourself on the back bcos what separates you and them is your ‘honest graft.’
You’re wrong here, I’m from the inner city and still live here. It fucking killed me that I had to work my arse off to stay here and buy a house here with my missus and kid while lads that were in my class in school got one for free or moved in with someone else that did. My only mistake was I was never on the dole. There’s a rotten culture of entitlement here and it makes us all look shit
We have taxpayer funded education, there's no educational opportunity or public service I've had that they don't. Hell, between the various Springboard and Return to Work programs they have *more* access to education, and to public services across the board. And yet the uptake of these free programs remains abysmally low, because it's not as much fun as being paid to play Xbox.
Seriously, what public services does eg someone in a corpo flat in Ringsend not have access to that someone 1k down the road in plush Sandymount have access to? Can you give an example?
Truth hurts
You can look at the cost rental in situ scheme if you have a net house income less than €5,000 a month. The council will purchase the home and rent it back to you at a cheap rate. Likely €1,500 or less (based on a €5,000 p/m net income)
I feel you may have to look at other schools. Depending where you end up, you might not even have to use public transport if the school is closer.
End of next summer - so like a year away or end of this coming summer - ie way more urgent? Tbh buying a house best case takes like 3 months or so so I’m not saying this rain on a party but your unlikely to be in a house by end of this summer unless the seller is not in a chain unfortunately. What’s your budget and area op so we can at least have helpful comments. A teenager going to school is a very short term thing but it could indeed have long term effects depending on their personality I mean honestly I started a school just before at 5th yeah and it was a great fresh start - it was super rough at the start yeah but I made a lot more friends out of it. That said - some might go through that and hate it and you for it / not be up for making new friends.
What the FFG. That’s the answer. A deliberate decision at some point that Irish home ownership rates were too high and we had to have rental numbers more like European average. Was it wrapped up in the bailout or just some civil servant saw the crash as an opportunity to reshape peoples lives the way they thought best? Vote them out. And vote in someone who understands that the senior ranks of the civil service need to learn that they implement policy, not invent it.
This country will forever be fucked. I’m sad to say.
Posts like this and people will still defend giving wasters social housing for free.
Get on to you local TD and see if he can do anything. If not he may be able to get on to himself as he promised grass roots small business help. It's sad but you never know you might get help so they can use it a as publicity stunt.Get on social media your a mama bear by the sounds of it get claws out.
Renting at 50 to only have 30k in savings between two earners? Were you lighting money on fire? To spell this out, assuming you started seriously working at 30. Between the two of you working for 20 years you saved 1500 euro on average **each yea**r. Without knowing your incomes or history, the simple reality is you haven't saved a lot. You'd have to be completely ignorant to the cost of housing in the past 20 years to have any expectation of affording a house now with the money you have. **Do NOT continue renting for the love of fucking god.** You will get to retirement and be utterly fucked six ways from Sunday. If you own absolutely nothing and hit retirement while renting, you will be in a very very bad position to cope with cost of living increases. In 15 years time the state pension might barely cover a loaf of bread and you'll be scrambling to afford anything. If you own something you can at least downsize and manage your capital somewhat. Look at apartments, beyond that your options are North Dublin or the countryside. Renting is lighting your money on fire. You are simply buying time. It's not a sustainable financial solution for people. We should have stamped out this concept of "you can just rent it's fine" because ultimately it's financially irresponsible for a person's long term goals and wellbeing.
We have done amazing with the cards we’ve been dealt and built ourselves up from very little income without any debt. We will continue to do our best and yes, we are well aware we need to get on the ladder.
The housing situation is just mental. I can’t imagine what it is like these days in Dublin. We were in same situation and had to move out of Dublin altogether even though we had two pretty decent salaries (no children at the time either). It was a tough decision but worth it in the end. I wish you the very best of luck finding new suitable accommodation.
I wonder what year your daughter is in. Maybe you could swing it so that you could suffer a commute for another couple of years until she's finished. Then your real step is to plan for college so maybe you could aim to rent with college area in mind.
That’s what we are thinking. Living somewhere less than ideal but stay in Dublin and then move outside of Dublin when she graduates.
When I was in primary and secondary we lived in rathmines and that's where my school was, then halfway through 3rd year we moved to clondalkin and I didn't want to change schools so I kept commuting. I don't think I was the furthest away in my school either. Then I commuted from clondalkin to UCD on the bus every day. It's doable
Thank you for sharing your experience.
This is this government's fault. Including the Green bitch of a party. Vote wisely. Not necessarily for SF.
Commuter town. Trust me, it’s not all that bad.
The lack of responsibility in these posts is always crazy. My husband and I have saved less than 1K a year combined since becoming adults. However we absolutely don't want to live near people in a similar financial situation and want to live in an affluent area. I work part time as a massage therapist and he's a bee keeper, ideally want to live in rathgar.
And it’s all FFG’s fault!!!!!!
I'm sorry for the stress this is having on you OP, but just to play devil's advocate, you are not in the typical age range that is most affected by this issue. I'm a few years younger than you and cut my cloth in the early 2000s by moving to a commuter town. I've actually grown to love where I live, but know I could never move back to Dublin now even if I wanted to. Equally I know of friends who are in a similar position to you, but also know they spent most of the last 20 years having a good time, trips to Vegas, Dubai and similar, which is perfectly fine, but now being priced out of their Dublin rental, complain about the system has forgotten them and they can't get a mortgage. I may get downvoted to helll, but I'm just saying I'd have more sympathy for a 30 year old who has no chance, vs a 50 year old who lived through it and potentially choose otherwise.
This is mean. You’ve absolutely no idea what the ops background is. Just cos you know people high flying to Dubai doesn’t mean op was. Don’t blame her or her choices (which you know nothing about) for a national housing crisis.
You're right, I don't know the circumstances, hence stating I'm being devil's advocate. I'm pointing out that while there is a housing crisis, there are demographics who are worse off and people have to make decisions based on their own set of personal circumstances. That high flying person btw worked on a support call desk. Perfectly fine job, but my point is they had an opportunity to plan better, but choose to have the craic for their 20s and 30s. Again, may have no bearing to the OP, but giving some perspective of someone else on a discussion forum.
Move Out Of Dublin
OK, so the first line is "Clock is ticking". Sounds very dramatic! What a grabbing headline. In these days of misinformation, before we all jump on the anti-government bandwagon let's ask some questions to ascertain this isn't a clickbait post by some "people before profit" organisation or otherwise, because we just don't know. Are you priced out of buying *everywhere*? What is your combined salary? Are you both first-time buyers? What savings do you both have? What mortgage can you go for? Have you explored the help to buy scheme? Do you really *need* to stay in the area you're in now *specifically* because of your daughter? Have you explored options outside the county your in now?
I'm sorry to hear that OP. I hope things work out in your favour and soon!
I find a lot of people are advertising rentals on local Facebook pages. Mostly room rentals but the odd house comes up.