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. 


Date published

21 March 2019


View all