Two single friends, Leanne and Sarah, who both wanted to move back home from Brighton, considered buying a house together instead of individually due to high property prices in the area they grew up in. Estimates suggest that being single can result in an additional £10,000 per year in extra costs, as singles cannot share rent or mortgage payments, household bills, and other expenses. 8.6 million people were living alone in the UK last year, and 18.5 million had never been married or in a civil partnership. The article highlights Leanne and Sarah's decision to buy a house together, splitting costs and responsibilities, which allowed them to achieve their goal of homeownership and even sell their property for a profit four years later.
Written by the local model on 2026-08-21,
using this article's own text rather than the other coverage of the
same event (that is the story summary below).
- Published
When Leanne split up with her partner in her late 20s she thought she'd have to put her dream of a buying a home in the area where she grew up on hold.
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she → publish → hold
She was earning a good salary but the properties she was hoping for - with a garden and parking space - were too expensive on her own.
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she → earn → own
While she'd just started seeing someone new, it was very early days - far too early to discuss living together.
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it → start → someone
Her friend since school, Sarah, was single and renting a room in a shared house in Brighton.
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friend → rent → Brighton
She also wanted to move back home to Kent, but was worried about how she'd get on the housing ladder on her cabin crew salary.
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she → want → salary
When Sarah suggested they buy together, Leanne admits she "totally baulked".
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she → suggest → ?
But after chatting with a mortgage adviser they went ahead - and say it's helped them avoid the so-called singles tax.
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them → chat → tax
Not being partnered up can mean extra costs.
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partnered → partner → costs
It's tricky to quantify and varies by location - estimates suggest it could be anything from hundreds of pounds to £10,000 on average extra, external a year.
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it → quantify → extra
The cost of rent or a mortgage, household bills and subscriptions can't be shared.
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cost → share → rent
And a single person pays 25% less council tax than a couple - not half.
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person → pay → couple
Many discounts involve pairing up - 2-for-1 cinema tickets, Two-Together railcards, couples gym memberships - plus solo travellers often pay a single person supplement.
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travellers → involve → supplement
This affects a lot of people.
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Some 18.5m people had never been married or in a civil partnership in 2024 – 36.8% of the population aged 16 and over, official figures show.
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figures → marry → population
And overall 8.6m people were estimated to be living alone in the UK last year - that's nearly a third of all households.
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that → estimate → households
Ahead of their house purchase, Sarah and Leanne agreed a minimum amount of time they'd live together for - two years, which they then extended to four - and discussed what would happen if one person wanted to leave.
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person → agree → four
Their mortgage payments were split proportionally to take into account their differing salaries, and the arrangements detailed in a declaration of trust so they would be protected when they came to sell.
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they → split → trust
They were able to split the household bills - with these coming out of a joint account and self-professed "bill keeper" Sarah keeping track of what they needed to transfer each month - but also cut costs by sharing some meals and the cooking as they had similar eating habits.
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they → split → habits
"We called it our happy home, not our forever home," says Leanne.
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Leanne → call → it
"And it was a very happy home," agrees Sarah.
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Sarah → agree → ?
Benefits to buying a home with friends include a bigger deposit and budget, and split costs, according to the Homeowner's Alliance.
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But it says people should consider potential pitfalls seriously and plan ahead by being upfront about their finances, seeking separate legal advice and drawing up a formal agreement.
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people → say → agreement
Sarah and Leanne sold their house for a profit four years after moving in, and they put the equity they'd built up toward their next, separate purchases.
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they → sell → purchases
"Neither of us would have been able to do what we've done without having the property that we had together," says Sarah.
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Sarah → do → that
"It's brought us a lot of freedom."
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It → bring → freedom
Leanne thinks she would have been able to afford what she wanted in time, but the financial benefits from buying with Sarah made this possible much sooner.
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this → think → Sarah
"The hidden singles tax is that everything has to take so much longer for you to be able to be in a position of affordability to do what you want to do," she adds.
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she → have → what
Their success inspired their friend Philly to set up Cucoon - an online platform matching up singles to potentially buy together.
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success → inspire → singles
She says her aim is to "level the playing field", adding the singles tax is particularly high when it comes to housing.
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it → say → housing
How to cut costs if you're single
Monetise your real estate: rent out rooms, car parking spaces and garages
Shared dinners: hosts take turns to cook with larger, cheaper products
Borrowing circles: one person buys an expensive item, such as a lawnmower, and passes it along
Errand pooling: friends share fuel costs by taking it in turns to drive to the supermarket
Julia Pearson, from Hampshire, set up the Just4One website about nine years ago when she wanted to go on holiday and discovered many places would charge her extra if she went alone.
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she → cut → extra
Alongside practical support for solo life, the platform lists travel providers which do not include the single supplement.
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which → list → supplement
Being single feels like a "constant review of your costs all the time", she says.
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she → feel → costs
In a list of a money-saving tips for drivers, the RAC suggests adding a named driver onto your car insurance.
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, external
It's something Julia has tried - and says it's saved her 8%.
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it → try → %
The RAC says this can bring your premium down, but warns it can also do the opposite.
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Julia also shares items with friends – she has borrowed tools to renovate her home and given people plant cuttings from her garden.
"
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she → share → garden
I think as a society, we are becoming more social in terms of our sharing and thinking.
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we → think → sharing
"Rather than thinking, 'I've got to go out and buy that', think about how else can you play that, what else can you do aside from having to buy something?
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you → think → something
