Why NOBODY Can Afford UK Houses Anymore

Why NOBODY Can Afford UK Houses Anymore

Millions of young people in Britain are doing everything right—getting degrees, securing full-time jobs, saving every month—and yet home ownership is slipping further out of reach every single year. The brutal truth is that the UK housing system isn’t just “expensive” anymore. It’s mathematically broken, engineered through decades of political decisions that pushed house prices to record highs while wages fell behind. In this breakdown, we reveal the real numbers behind the crisis: homes now cost 7.7× average earnings, deposits routinely exceed £60,000, and in London, first-time buyers are facing deposits of £124,688 just to get started. The result is a housing market that locks out entire generations, regardless of how hard they work.

This investigation exposes why nobody can afford UK houses anymore: wage growth that consistently trails price growth, mortgage rates that have doubled or tripled since the pandemic, a deposit system that punishes anyone without family help, and the rise of the “Bank of Mum and Dad” as one of Britain’s largest unofficial lenders. It also uncovers how policy choices—planning restrictions, low housebuilding, political incentives to keep prices high, and developer-driven schemes like Help to Buy—created a system designed to benefit existing homeowners while shutting out new ones. Even couples earning average salaries can’t afford basic homes in London or the South East, and renters are trapped in a cycle where saving a deposit is nearly impossible.

We also explore the wider consequences: demographic decline as young families delay children, collapsing social mobility, huge regional inequality, and a mental-health crisis caused by chronic financial insecurity. Whether you’re renting, trying to save for a deposit, stuck in negative equity, or considering relocating to more affordable regions, this video gives you the clearest explanation of why the system feels impossible—and what realistic options still exist in a market stacked against ordinary buyers.


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