I wish I knew this when I wast in first year. Just finished 2nd year and had the worst time in my house this year and it is still continuing. I cannot afford rent because I don't have a job (applied to many), and the head housemate is completely unsympathetic because he has a job so he can't see why I cant "just get a job then"!
Luckily, I am going into accommodation for my final year and it's only a 8 month contract, rather than a ridiculous 12 month contract. Worst decision of my life!
Accommodation is so much easier! I've seen many people who think they've made "best friends" during first year and get a house together and then by the end of the second year, absolutely despise one another and go their separate ways once the contract has finished.
Yes, it might not be greener on the other side, but I say it's a lot easier to be in halls, especially with 2nd and 3rd year students as you will not be annoyed at Freshers partying and being animals.