Airic
Region: GB
Wednesday 13 May 2026 13:44:00 GMT
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Scott Chegg :
This is a hilariously bad take.
2026-05-13 15:16:43
51
Siobhan :
But it’s a long term investment. Why pay someone else’s mortgage when you can pay your own? Plus most mortgages nowadays are cheaper than renting. This is the first time I disagree with you 🙂.
2026-05-13 14:01:45
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YuliaBookish | Author :
As a renter you do pay for all the repair. In rent. If owning a home were more expensive than renting, landlords would go bankrupt.
2026-05-14 05:42:12
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Guess :
Your first home is absolutely an investment. It’s true that you won’t realise the gains unless you sell to move places but at least the second you own the property your mortgage is actively increasing your net worth instead of being pissed away on rent.
2026-05-13 13:59:13
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PhDemi :
Omds I literally did some videos on this, agreed! your primary home is not an investment, you have to live somewhere. Any equity gains made from your primary home cannot be materialised without selling. Flats are also the worst kind of property to buy as they are so hard to sell and service charge + ground rent is a rip off. location freedom is also incredibly important in a volatile job market, if you find a better job but you've bought a house, you can't easily move. maintenance as you mentioned is so expensive too and can easily make buying a home more expensive than rent.
2026-05-14 08:47:26
3
T_R_E_N_D_S Tik Tok :
And if you live in a city where the rent on the month is equal or higher than a monthly credit, what you do?
2026-05-13 13:49:30
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belial :
unless there's crazy benefits and tax breaks or stuff like this AND you make good money enough to put a lot of money down, then I totally agree with you.
2026-05-13 14:13:33
3
M4ZNET :
Most landlords bought with 40% deposit or more. The monthly rent is often cheaper than the monthly payment for the avg mortgage in London we can afford (10-20% deposit). Without considering mantenaince, service charges, ground rent etc
2026-05-13 20:39:17
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What the Tree Taught Me :
London flats have had stagnant growth for a decade.
2026-08-02 18:24:09
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Sir Swellow :
As a Society We really need to change the perception of buying housing from "Its an investment which will always go up" to "Its a way of securing more secure housing" People tend to dislike Flats because they go "Its not gonna make you money" Okay? I wanna live here and when Ive saved some money ill sell it to someone with less money and the Cycle continues.
2026-05-14 09:39:32
7
Francisco Mateo :
I want to experience the city… come on grow up, man, buy a home. A decent home will give you no problems or very rarely, less than a car. And not just it is an appreciating factor, it’s one that will cost you more later. You spend more renting and later on, you spend more to buy it.
2026-05-13 21:29:14
2
あいす :
The opportunity cost of home ownership is high when the stock market is doing so well
2026-05-13 22:26:38
3
Antony Leons :
A mortgage is also one of the best loans you can get in your life, use that leverage and invest the extra, if you beat your interest rate of 4% you’re winning. This is a bad take
2026-05-14 09:07:10
2
Temi | building HOMEMATCHER :
Your first home isn’t really an investment tbh. But you’re gonna need somewhere to live when you retire so
2026-05-14 09:08:40
3
irrevocablemind :
Depends on bank of mum and dad is what you are leaving out
2026-05-13 17:46:56
2
Wengie :
That what they exactly they what us to not to own anything anymore
2026-05-13 15:02:13
3
Antony Leons :
The government has set up homeownership as one of the best ways to grow and transfer wealth
2026-05-14 09:03:31
1
Paul :
it's a tax free investment vehicle if you change to a cheaper house or country in the future. My mortgage is 1400, half of which is equity, vs renting the same place would be 6000+, so you also get to live in a way nicer place and that's quite a consideration.
2026-05-13 14:50:16
2
T :
V much a transplant pov. Some of us have lived here all our lives and *want* to own an asset in the city we grew up in!
2026-05-13 21:48:25
1
username.bn :
When you’re renting the maintenance costs, insurance etc are all factored in + profit. Yes it is money that goes to the next home when you sell.. but it’s money you’d pay anyways to rent.. actually probably less on a mortgage. Altough Ldn leasehold flats aren’t quite the investment..
2026-05-13 20:26:21
1
Roberta | London Lifestyle :
Agree so much Airic, you can still build wealth without a property being in your portfolio. Being house poor is a real thing!
2026-05-13 21:29:14
1
ok :
the main benefit of having a home is having some control over one of your biggest living costs. and also having a space you can actually decorate the way you want without losing a deposit.
2026-06-07 19:03:57
0
Ch47AM :
In big cities, you are so right. I did the calculation. Also, you can rent a bigger place that you can buy. For example with the same salary, in Paris I can rent 40m2 but buy only 20m2. In small cities, the maths can be different
2026-07-12 10:11:02
0
Tee Tee Sampson :
Totally disagree - for as long as you are spending money on rent you may as well repurpose that same amount into something that can eventually bring a return later in life. I’ve now gained half a million in equity by purchasing in London rather than continuing to rent whilst building my career. Renting definitely is throwing money away. I’ve always explored the world (and rented my home out as an income whilst I did it). Property purchase was a real blessing for me.
2026-06-02 08:10:05
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