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Tenants have worse mental health than owners - claim

Renters have higher rates of anxiety than home owners, it’s been claimed by a think tank.

The Joseph Rowntree Foundation says that with 7.3 million English adults already having received antidepressants, there are clear connections between financial insecurity and poor mental health.

It claims reforms to rental and employment laws could help address the mental health problems which cost the health service around £15bn a year, and the wider economy an estimated £100 billion-plus.

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Concentrating on data from just before the pandemic and current cost of living crisis, the foundation looked at various indicators of mental health.

It found that renters are at least twice as likely as homeowners to report losing sleep, feeling under strain or depressed, and also at far greater risk of lacking both energy and calm in their lives.

People with less than £1,000 in the bank were around twice as likely to admit to taking less care with work or other tasks or to report that their social life was suffering than those with £5,000 or more.

People employed in insecure ways such as zero-hours contracts have poorer mental health than secure workers.

The report also underlined the close connection between antidepressants prescriptions and local economic exposure: all 10 of the English communities with the highest prescription rates are in the north including Blackpool and Middlesborough which consistently rank among the most deprived areas in England.

Two major 21st Century trends have exacerbated our insecurity problem, claims the foundation. 

First, a “swing” of around 10 percentage points of the whole working-age population out of homebuying and into a private rentals, “in a market where rents are uncapped and insecurity of tenure is rife.”

Second, a growth since the dawn of the financial crisis … in the proportion of households classed as having no savings at all.

Report author Tom Clark says: “This report picks up on a rising sense of insecurity in Britain today. It interrogates the potential connection between the shaky foundations of material life for many of our citizens and burgeoning signs that a growing anxiety problem is gripping the country.

“Too many people are caught up in a vicious cycle in which mental distress impedes confidence, leading to problems at work, which can in turn lead to issues with debt, housing and even relationships, leading to still more worry.

“While more analytical work is needed, what’s already clear is that the UK has big, and on many measures, growing problems with both material insecurity and mental distress, and that the two very much seem to be linked.

“The Government needs to wake up to the reality of the twin problems of insecurity and anxiety, which are doing great harm to both national economic welfare and individual well-being.”

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  • David Lester

    I expect someone will want Landlords to pay!

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    As a group, landlords should focus more on making their tenants feel more secure by offering a "No eviction policy" and welcome the abolition of section 21 along with greater improvements in Section 8 (fault evictions) grounds and procedure especially relating to anti-social behaviour.

    This would, I believe, do far more to dissipate the hatred and contempt that is aimed at private landlords than anything else.

    I have operated a "No eviction policy" for over 25 years and only evict for fault and it has had no detriment to my business and I have housed in that period, well over 20,000 tenants and at any one time 1000 tenants.

    If anyone wants a copy of my "No Eviction Policy" I am easy to find on the web.
    Jim Haliburton
    The HMO Daddy

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    In 22 years I've never evicted anybody, but that isn't the point.
    If I ever get a tenant who gives me no ground 8 reason but is a complete pain the backside, is difficult and awkward, won't allow access etc., then I want the option to say no thanks, find somewhere else. I'm the owner, it's my choice and why shouldn't I be allowed to let my property for a defined period that we can mutually agree?

     
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    It is always people who don't have millions invested in property themselves, Chris, who are in favour of rental reform.

    Huge amount of stress caused to tenants by the threat of abolition of fixed term tenancies; so many have had to leave because landlords are selling up. Supply down and rents up when they try to find somewhere else to live.

     
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    Chris Lee - Yes perfectly put

     
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    There may well be a correlation between being a tenant and poorer mental health. However as any psychologist will tell you, this does not prove cause and effect. There are many possible reasons for poor mental health, and it may be the poor mental health that causes an inability to get a job and buy a house in many cases. You could also say that being a landlord may cause stress, anxiety and depression. Surely all that can be said with any certainty is that people who struggle financially (for whatever reason) are less likely to own their own home (and therefore will be renters). Kind of obvious, but there we are. Do we then blame mortgage lenders? I'd also suggest there are many reasons why people have no savings, and it's not generally because all their money goes on essential spending.

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    So it's all our fault for expecting tenants to pay their rent, or the banks for expecting the monthly mortgage payment to be made, or even the supermarket for expecting payment before leaving with a basket full of shopping, these '' mental health issues'' are self inflicted, get out to work, get payed for doing so, then pay your way, dead easy, it works, always has done so, too many ''entitled'' out there that expect the free ride

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    25 years ago one of my colleagues said to me "You're sad you are. All you ever do is work and buy houses. You want to get a life".
    We were both taxi drivers working 6 nights a week. We both had school age children and were both single parents.
    She liked going to the casino, wore designer labels, drove a BMW for social use and smoked like a chimney.
    I've never been to a casino, always wear jeans, drove my taxi for social use and had given up smoking 5 years before I became a taxi driver. I also had a part time day job.
    Three years later she had let her ex have her Council house and her new bloke had got ill and his house was repossessed.
    At which point she said to me "It's alright for you. You've got your houses".
    It totally escaped her that we had done the same job, earned the same money and had the same opportunities.

    Life is about choices.
    How much stress and anxiety is because some people choose instant gratification instead of longer term financial security?
    How much hardship is because they don't look at bank statements and are paying for multiple subscriptions and memberships they don't need? One of my ex tenants had a personality clash at work, became depressed, got sacked, got into arrears, couldn't afford food, got ill and even more depressed. He eventually asked me to go through his bank statement to see if there was anything he could do. It turned out he had subscriptions for Netflix, Spotify and Amazon Prime. Also a gym membership and an expensive mobile phone contract for a phone he had lost months earlier. I gave him a Section 21 notice (having explained it didn't necessarily mean I was going to evict him). He used it to negotiate either cancellation or suspension of all the subscriptions and memberships. Also his daily overdraft charges were cancelled for a while. He got a Discretionary Housing Payment, started buying food, his health improved, he got a new job. It was a long journey but he eventually moved on of his own accord, having fully paid all rent arrears.

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    '' It's alright for you'', the times I've been told that one, I spent 30 yrs in a business partnership, we both worked hard and earn't a lot of money, we both had the same opportunities, he married the snob wife and spent his money on a social life he couldn't really afford, I bought run down Victorian terraced houses out of auctions and spent much of my spare time renovating them, hands on, maybe I am sad, but I've enjoyed it all the way, I got a great deal of satisfaction renovating those properties then moving onto the next one

     
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    I spent one Easter weekend demolishing walls in my first holiday home, covered in dust.

    On Easter Monday one golfer laughed at me and said "What a way to spend Easter!". I pointed out I had just saved £2k in builders' charges and added more than that in value. That guy still shares the same holiday home with 3 grown up siblings, inherited from their parents, while I now have a much nicer holiday home worth around £800k, all because of how I've chosen to spend my time and money.

     
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    It’s crazy I see so many young men dossing or asleep on the couch during the day. They have a bed to sleep in during the night and then on the couch during the day. I have to attend with various qualified professionals to comply with the various regulation to make sure everything is perfect for them.
    I am talking about 30 year olds some not even from this country, it’s ridiculous don’t worry the old man will do everything for you. So it seems one third of the population is hammered into the ground while keeping the other two thirds.

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    How the other half live Michael, I knew a guy in the 70s we were both mid 20s he wouldn't get dressed on a Sunday, 8.00 in the evening still in his PJs from the night before on the couch, his wife would be properly dressed and looking after him and their young son though, what a way of life ?

     
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    Something seems to be going horribly wrong. When there is a shortage of jobs it's perhaps understandable that some people will struggle, but in the last 12 months when so many employers can't recruit enough staff, why are there people loafing around? Yes some are skilled jobs, but plenty of employers needing cleaners etc with on job training.

     
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    Sad Landlord, where ever I go round about I'm seeing signs up '' were're hiring'', ''staff wanted'', most are not skilled jobs, some are full time, others are part time, there is no excuse whatso ever in Britain today to be unemployed, and it doesn't matter if you are 25 or 55, man or woman, if they want to work there's a job out there

     
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    Yes I totally agree, just can't understand how they can get away with it. I have ex-tenants who went onto benefits then reluctantly turned up for a job every few weeks, didn't last more than a day (attitude problem) but benefits weren't stopped.

     
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    Sad landlord - it's not necessarily quite that simple. Employers often don't put any thought into the viability of the jobs they are offering or badly advertise them. Some want to offer very short shifts while located miles from anywhere with very infrequent public transport. I worked in a warehouse last Christmas where it took some people over 2 hours to make a 6 mile journey to work because the shift start time didn't coincide with the bus timetable.

    Job adverts are often misleading and quote pay rates that are either higher or lower than the job really pays. Often shift premiums are forgotten and not mentioned.
    Zero hours jobs often say you can pick when to work which implies you can have as many shifts as you want. What it really means is you are free to accept or decline any shifts that are offered (which may be none at all some weeks). I personally like ZHCs because I don't want the commitment of having to work specific shifts. My property business comes first but a nice bit of zero hours warehouse work is a good alternative to a gym membership. Employers need to embrace the fact that we don't all work for the same reason and don't all have the same requirement for length of shift or fixed hours.

    Employers often have very fixed ideas of who they want to employ and reject some very capable candidates because they don't match the idea they have. Or they're trying to fulfill some diversity box ticking exercise and reject better candidates.

    Especially at the lower paid end of the employment market there is too great a tendancy for employers to treat staff as disposable and not worth training properly. The miniscule difference in Universal Credit and minimum wage employment after travel to work costs have been factored in makes it very tempting for people to do the absolute bare minimum simply to qualify for the UC earnings disregard.
    If employers engaged with their staff and offered meaningful training, monetary recognition of skills and experience and a clear career progression path they might find recruitment somewhat easier.

     
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    I think it was wrong to exclude landlords from the property in reasonable day hours, it was the rule for many years. The landlord can now only find out by chance when he gets a complaint reason to go there, like yesterday I seen fire extinguisher & fit blanket removed they were fixed to the wall easily accessible. There is a multi coat rack on the wall but no don’t use that one hang your own over the fire door load it to the max even though there wasn’t enough gap between head of door & jamb, so it can’t work probably those silly things shouldn’t happen.

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    Cris, you didn’t have to evict anyone in 22 years because Section 21 was there and the Tenants knew it was there, take it away and see what happens.

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    I agree.
    I've never got as far as a court hearing. I've served the occasional Section 21 notice, sometimes because the other tenants in an HMO want the person to go (nice enough person but constantly forgot to lock front door) and sometimes to give them the ability to get a breathing space from other creditors.
    It's a useful tool that is far more beneficial to tenants than the proposed alternatives.

     
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    Jo.I believe some are not viable only because they have an alternative, they can make a comparison and decide not to work for the difference.

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    Cris, exactly right its your property and when the chips are down you must be able to say no and get your property back but this is what we have that they are now removing in the form of Section 21.

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    Section 21 certainly is more beneficial to Tenants. It has been abused by Tenants all they need to do is play up enough on landlord to force him to go through the procedure and they’ll off to the Civic Centre to get housed waving the Court Order, indeed many Tenants filled it out themselves and get Landlord to agree, if he doesn’t agree you know what’s coming next.

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    Regarding mental health I don’t agree its anything in particular to do with Tenants, its the Nation as a whole far too much unnecessary pill popping going on they are breaking the NHS the main driver is no purchase necessary they are free.
    Sorry I have done a few blogs in succession but I have spent most of the day crawling around on lofts timbers add extra 200mm insulation to keep them warm.

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    My least favourite job!! Prefer unblocking drains to loft insulation!! Maybe they should be offering to do free loft insulation again?

     
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    Loft insulation. You can get non fibreglass insulation.

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    Sad, I didn’t mind unblocking drains in the past but since Covid I try to give them a wide berth.

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    Doesn't bother me, no mains drainage where I live, septic tank, or treatment plant now, all block up at some point

     
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    Gosh you are out in the sticks. I was good constructing them back in the day has to be shuttered and mass concrete for me, mainly one pour, no leaks (not rendered concrete blocks) a good size and well away private water sunken well if any but I suppose you have mains water. Probably all pre manufactured fibre glass units those days but don’t have the same capacity.
    Storm water to separate soak-away,, just dig a great bit hole so fill it with stones.
    I spent some time on the ground too not all in lofts.

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    First 2 I fitted at previous properties were precast concrete sectional ones dropped in place with a JCB , this one is fibre glass surrounded with lean mix concrete.
    I do have mains water and electricity though, and a single track road with grass growing in the middle of it, bit different to London then.

     
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    Andrew , you might want to consider a composting toilet. And wee makes a great fertilizer! Won't let me post u rin e !

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    Don't think my wife would like that

     
  • Elizabeth Campion

    Under the new proposals going through parliament I think their mental health is about to get worse for tenants

  • Elizabeth Campion

    Shelter it's called cause and affect

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    You are definitely right, Elizabeth. Actually, both tenants and landlords have been badly affected in terms of mental health due to the very ill-thought out "reforms"; it would have been so much less stressful for everyone if the Government had not sought to interfere in private contractual arrangements - and as you say, the situation is going to get worse.

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    Richmond Council & Citizens Advice complaining that a couple with 2 kids can’t find anywhere to live, they had 2 months notice but can’t any where, the landlord is selling I wonder why didn’t someone say removing S21 didn’t matter.
    They have over 5200 on their waits lists but only a couple of hundred becomes available in the year mostly one bed & studios. Why don’t they do something about it instead of complaining like reinstating S.21 one of the causes of homelessness for sure or is that too simple.

  • Elizabeth Campion

    Keep shelter,s staff in job through ressession.

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    Andrew the 4 wheel self propelled vehicles is the reason for grass in the middle. When we the horse & cart, the horse took care of the centre.

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    Lets blame my wife then she drives a Forrester, constant 4 W D

     
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