There are several things that mark us out as human and one of them is having different attitudes to things.

For example some people view cars as a means of transport, others as a style statement. Or take clothes; for some people they are a way to stick two fingers up at convention, for others they’re a way to blend in.

And the same is true for property. Many people have very different attitudes to their homes, points of view that often depend on one thing; whether they own or rent them. Here's our tongue-in-cheek look at the differences, although of course we realise tenants and homeowners love their cribs equally.

Gardens

For tenants: A strange unexplored rectangular jungle of impenetrable badlands that is cleared inexpertly on just two occasions; the day before moving out, or for their one-off summer BBQ.

For homeowners: Somewhere to build a super-shed, mow a lot, and talk over the fence with neighbours about mortgages although being neighbours,they like talking about other neighbours to their neighbours!

B&Q superstores

For tenants: Somewhere to buy picture hooks.

For homeowners: Where an alarmingly high percentage of their disposable income is frittered away on light fittings, ironmongery and flooring.

Neighbourhood Watch

For tenants: Weird 1970s style stickers on lamp posts

For homeowners: A sticker that requires them to join a ragtag group of local home owners convinced a burglary apocalypse is upon them.

Credit scores

For tenants: Something people applying for mortgages need to worry about. Wrong!

For homeowners: Something people applying for mortgages wish they'd worried about when they were students because they might now have a better deal or got a mortgage earlier. Remember a tenant's rental payment history can count towards building their credit history now, and help them on their way later when they buy their first home.

Buildings insurance

For tenants: Something the landlord takes out.

For homeowners: An insurance policy for which the application form requires them to complete the impossible task of estimating the replacement cost of their property.

Front doors

For tenants: Something to get locked out of after a night out down the pub.

For homeowners: The epitome of curb appeal, the drawbridge of their castle, a reminder each day of how solid their property nest-egg has become, something to shut behind them.

Carpet shops

For tenants: What's a carpet shop?

For homeowner: Dull-looking retail outlets peppered with affordable-looking ‘per sq. ft’ prices that upon making a firm order to carpet a back bedroom, for example, turn into vast sums, plus VAT and excluding fitting.

Equity

For tenants: The union for actors.

For homeowners: For the mathematically under-skilled, baffling. It’s the value of a home minus the outstanding mortgage expressed as a percentage. It’s best if the calculations turn out to be positive, not negative.

Broken light bulbs

For tenants: An opportunity to claim that the property’s entire electrical system has collapsed and that help is needed.

For homeowners: An ongoing reminder that the claims on halogen light bulb packaging that they will outlive the purchaser as a functioning light source are FALSE!

Leaky pipes

For tenants: A horrifying sign that they have signed up with a slum landlord.

For homeowners: A horrifying sign that the expensive survey they commissioned on the property before they bought it was less than accurate.

Interest rates

For tenants: The number of Facebook or Instagram likes on their latest post.

For homeowners: A monthly reminder of the front page of the Daily Mail that they are only a two percent base rate rise away from homelessness and bankruptcy.

Dinner parties

For tenants: A house party roughly arranged before, during or after a plate of lasagne and salad.

For homeowners: An opportunity to actually cook one of the more complicated Jamie recipes and discuss how much No.43 was sold for last month.

Remember, CreditLadder can help you improve your credit score.

CreditLadder can improve your credit position by reporting your rent payments. CreditLadder is the first way to improve your credit score and position across all three of the main Credit Reference Agencies in the UK, namely Experian, Equifax and TransUnion. Building up a high credit score has a lot of benefits, including helping you access finance at better rates - this can also help save you money. CreditLadder also runs a free mortgage application service in partnership with Tembo which will tell you how much you could borrow.

Remember the content provided in this article is for information purposes only and should not be considered as advice.