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The future of the mortgage market | Home ownership for young adults

House prices have increased significantly over the last 20 years, resulting in increased barriers to home ownership for young adults and a falling proportion of young adults earning their own home.

Our paper takes a look at the barriers to home ownership for young adults and what could be done differently to shape the future of the market. Highlights include:

  • How effective are schemes such as Help to Buy and the Lifetime ISA in helping young people get on the property ladder? 
  • Could increased lending be offered without significant risk? 
  • Will open banking allow better assessments of affordability and widen the mortgage market to sensible spenders?
  • Are we preventing young adults from having the opportunity for home ownership because of the mistakes that past generations have made?

Read more by downloading the full paper. 


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