The proportion of people who own their own home or have a mortgage has been falling year-on-year since 2005
From Saturday lenders are being forced by the City watchdog to ensure that any potential borrowers can afford to repay their home loan now and could also meet repayments if interest rates rise

Mortgage clampdown: New rules will see borrowers grilled about their finances

The long overdue changes should ensure no return to the disastrous boom of the last decade

Giving up on the idea of ever buying a home

One in five twentysomethings say they have no desire to own their own property

The housing market is overheating and it's time to cool off

As prices soar, we must avoid the mistakes of the past

Garden city in Ebbsfleet, Kent not enough to solve housing crisis in UK

The announcement that Ebbsfleet in Kent will have 15,000 new houses when it becomes a new garden city has been welcomed by a housing charity.

Wish upon a home: Your property dream is more likely to come true now but you may need to be patient as lenders are taking extra care with mortgage decisions

Savvy Money: If you're after a home loan, you can't hurry banks

Processing applications for mortgages can be a slow process as lenders tighten the rules

Shout it from the rooftops: The mortgage market has become far more competitive

Lending price war erupts – this time for real

Banks and building societies are now wooing borrowers, so this is the time to get a loan or mortgage, says Chiara Cavaglieri

Mortgage 'holidays' after floods may be costly

If you've suffered because of the widespread floods and your bank or building society has offered financial help, check the small print before agreeing.

Simon Read: The homebuying dreams of many are broken

Shocking research published by housing charity Shelter this week showed that if salaries had kept pace with house price inflation in the past 15 years, you would be paid more than twice as much now.

Long way home: mortgage applicants may face delays as banks try to readjust to the recovery in demand in the wake of the financial crisis

Julian Knight: Can lenders cope with this new mortgage rush?

After shedding staff in the crisis, they are now struggling to recruit fast enough to meet demand

Should you be rushing to get a fixed rate mortgage?

It might be time for a rethink, says Simon Read. Analysts think it's a year of opportunity for cheap borrowing

More and more young people are being priced out of the property market

Property ladder will be a steeper climb for next generation, report claims

Official figures reveal that more than 3.3 million 20- to 34-year-olds were living with their parents last year in the UK

Legal right: Leaseholder Karen Peel took matters into her own hands and then helped 137 owners do the same

Leaseholders have the right to manage their homes

As our campaign spreads, flat owners are taking control of their properties - and we show you how

On the threshold of a good deal? First-time buyers are being enticed with perks that seemed to belong to a bygone age

Check those hidden costs of mortgage incentives

We all love freebies – but don't forget that lenders need to make money. By Chiara Cavaglieri and Julian Knight

Help to Buy lifts high loan-to-mortgage loans

More evidence has emerged of the dramatic effect that Help to Buy is having on the UK mortgage market.

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