yea, but to be honest, i'm glad she asked the question. i'm on quite a good wage compared to some, a wage i never thought i'd earn when i was younger, but i live in a one bedroomed flat and i struggle from month to month. she's right... it's getting hard for even people on good wages to get a mortgage, so what hope has the rest of the population got, and that's the point she was getting at.
of course, i could have got a cheaper flat... if i wanted to move to the equivalent of the bronx/downtown detroit where i would be scared to walk down the street or leave my car parked outside my house.
while i'm at it... shared housing... you know when you pay rent and mortgage... total fukin rip off. the housing association own half the house for which you pay rent... you then have to fork out for repairs (they don't? why not?) or improvements (they don't? why not, they own half the house?) and then when you want to buy some more they have the house re-valued (!!!) and then if you've spent money improving the house, obviously the house price is up... so you have to pay the housing association more money for more share in the house! effectively... you just paid for that improvement twice. fukin rip-off. meanwhile you are paying rent on the bit you don't own, when in fact you would just be better off paying a full mortgage.