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This is exactly the point I was making. I know that it is difficult to get on the housing ladder for some people. I know that some people are paying more in rent than they would pay for an equivalent property on a mortgage. And I know that some banks - and we all know banks are bastards - will refuse people on affordability scales when a mortgage would be cheaper than the rent they have paid without fail for years.

Rent if you like, but you're paying for someone else's investment. My kids will be supported to get on the housing ladder as quickly as they can.