Economics seem to have had a major impact, with people living with

parents for even longer for example.

=======================================================

A friend of mine has all three of his children living back at home and 2 grand kids and their dog.

They are all struggling to get a mortgage or deposit together through money being used on years of rent.

The whole rent vs mortgage thing annoys me.

Someone manages to pay rent for years without missing a beat.

But is refused a mortgage because they can’t prove they can afford the

payments - which could be less than the rent payments.

Have heard people say that a few times.

=======================================================

14 years ago with my then girlfriend, we rented a two bedroom flat and the rent alone was £900 per month. I had to laugh as my parents mortgage was £650 per month!!!

Like you said, James, we never missed a payment or any of the associated bills and taxes.

Went to get a mortgage and had a £20,000 deposit, and we were refused as we had too little or no credit history. I basically had one credit card and a mobile phone contract. No loans or debt, etc., and my partner was practically the same.