Owning your own home

You would think so wouldn't you but people have got it bit used to a one way street of money flow. I think a lot will do it at least for a while but it will start to affect the quality for the tenants and we go back to the kind of living conditions that were pretty common in the 80's.

Ice on the inside of the windows anyone?

If I had an asset producing structurally negative cash flow I would take the equity out and invest it in something else. You would have to have huge expectations of future capital growth to make it economically rational to keep bleeding cash in.

I’ll be hopefully renting out my flat soon, i’m not mortgaged to the hilt on it (40%LTV). complicated situation where i need to extended lease before selling so am waiting for the legislative changes to go through the lords to make that cheaper as well as sitting out the remaining 2 years of mortgage and not pay the big exit fees if i sell. proceeds of which will take a big chunk off new cohabitation property bought by partner come remortgage
i’ll not charge absolute top money and it will pay for itself over the next 2 years with a small surplus to cover any unexpected repairs or breakages.

from a professional landlord point of view it’s probably not enough yield but for us it makes sense and somebody gets a flat for 2 years with a new kitchen and bathroom and no damp/mould and everything works.

haters will still hate for being a landlord though.

Plenty who aren't though. I nearly ended up remortgaging and renting my flat out when the buyer fell through and I needed to move and although the numbers just about worked and it was a viable option I decided against it as anything going wrong would have left me screwed.

Also lots of professional landlords with highly leveraged portfolios and not much in the way of liquid assets.