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‘While a longer mortgage term may help first-time buyers get on what they think is a housing ladder, it actually limits their ability to climb it’
Four previous housing downturns have ominously familiar elements to today’s situation — so what can we learn from the past?
The over-65s hold 47 per cent of housing equity and 7.4mn ‘extra’ bedrooms. Could the cost of living crisis change things?
In England, buying a flat used to be an effective stepping stone to buying a house — it doesn’t work like that anymore
Now is a good time to pick over the bones of the UK government’s controversial equity loan scheme
The immediate pressures of the pandemic may have eased, but prospective homeowners must now contend with record prices and a looming cost of living crisis
It loses its premium over time, so mortgage providers are more reluctant to lend to those with small deposits
Signs of a boom over the normally quiet summer months misrepresent the overall health of the market