welcome to the real world.I was married in 1968 and even then had to hunt for a mortgage,the reason given then was,we have only so much available to lend we have to ration it.I would like to see a graph of the mortgage interest rates from then till now,because I certainly remember paying about 10% interest at one point.When i first got the loan I was earning approx £21 per week and the repayment was £20 per month.Throughout my life my family policy has been,if you can afford it get it,if you cannot then save up for it until you can.I appreciate the fact that high inflation help our repayments by making the amount you repaid monthly as a proportion of your income rapidly depreciated.I recently had a friend who said that his son,earning £60000 a year in windsor was having an awful job getting on the housing ladder,because he hadnt saved up enough for a deposit!.I could not bring myself to offer any sympathy,is it just me?

JD.SHEPPARD, TEESSIDE, U.K.