With each passing month the housing market shows a rise in prices, meaning first-time buyers are finding it particularly hard to work their way onto the property ladder.
For years it has been difficult to muster enough for a deposit on a house but things appear to be especially tricky now, as escalating house prices seem to outstrip wages by so much.
Christopher Dean, of the Council of Mortgage Lenders (CML), said that this was more of a problem in some areas of the country but as a general trend was worrying.
If this situation was to continue then it could reach the stage where demand among first-time buyers would begin to dry up because of the massive costs involved, he claimed.
"At the moment things are very hard, especially for first time buyers," he said. "We have seen strong house price rises, especially in London, and wages haven't kept up."
"It hasn't always been this hard," he added, saying that lately "things have become very difficult".
Total mortgage lending is expected to surpass £1 trillion for the first time in the coming weeks, a figure which is more down to rising prices as rising demand for mortgages and home ownership.To read more about mortgage, click here.
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