Living Aboard: One Family's Journey to Affordable Housing on a Houseboat

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When faced with exorbitant housing costs and the dream of supporting a budding golfer, one family made an unconventional choice to move into a houseboat. This decision provided a more affordable living solution and allowed them to own a property, something that seemed out of reach with traditional housing options.

The Decision to Move

The catalyst for this drastic change was the high rent prices and poor living conditions they previously endured. The family faced challenges like broken pipes, unusable spaces, and health issues such as norovirus. These conditions, coupled with a monthly rent of around £1,200 for a modest two-bedroom house, pushed them to seek alternatives. The high costs left little room for golf coaching, an essential expense for the son’s career aspirations.

Transition to Boat Life

The family had been planning and saving for several years, aiming to live a more outdoor-oriented lifestyle. After realising they couldn't afford to rent in Bristol while supporting their son's education, the houseboat option emerged as a viable solution. The initial investment in the boat was approximately £20,000, with additional expenses for renovations and essential installations like insulation and a wood burner.

Challenges of Living on a Houseboat

Living on a houseboat is not without its difficulties. Maintenance issues, such as mold and dampness, reliance on a wood burner for heating, and dealing with extreme temperatures, are common. The family also faced logistical challenges, like moving the boat to find suitable mooring spots and dealing with breakdowns in remote areas.

One particular ordeal involved a seven-hour journey through tunnels and locks, which was physically and emotionally taxing. The experience highlighted the unpredictability and effort required to maintain this lifestyle.

Financial Considerations

Financing a houseboat differs significantly from traditional homeownership. The family secured a marine mortgage, which came with high interest rates, costing nearly £500 a month. However, certain aspects proved cost-effective. For instance, a gas bottle costing £45 lasted six months, reducing their annual gas expense to £90. Solar panels, installed by a family member, further decreased their reliance on external power sources.

Community and Safety

Living on a houseboat places residents in a unique community. While the proximity to pubs and social hubs adds a vibrant aspect to the lifestyle, it also presents dangers, such as drunken individuals posing risks near the water. Security is a concern, with incidents of theft and break-ins reported among boat owners. Despite these risks, the family found support and camaraderie within the boating community.

Adapting to the Space

Adapting to a smaller, movable living space required creativity and resilience. The family invested in modernising their kitchen and completely renovating their bathroom, with the son taking on significant DIY projects through YouTube tutorials. The limited space meant careful planning and constant adjustments to weight distribution within the boat to ensure stability.

Benefits and Drawbacks

The primary benefit of this lifestyle is financial freedom, allowing the family to invest in their son's career. However, the drawbacks include the physical strain of maintaining the boat, the cold winters, and the occasional sense of isolation. Despite these challenges, the family embraces the unique experiences and the sense of accomplishment that comes with living aboard.


Living on a houseboat presents a mix of challenges and rewards. For this family, the decision provided a pathway to property ownership and financial stability, enabling them to support their son's dreams. While not without its difficulties, the houseboat lifestyle offers a unique and fulfilling way of life for those willing to embrace change and adventure.