Prospective first-time buyers face the ever-increasing challenge of finding a decent-sized deposit and meeting mortgage lenders' affordability requirements.
The leader of the opposition, Sir Keir Starmer, made it abundantly clear recently that landlords would be taxed further if Labour came into office when he stated that money to pay for social care could have been raised through taxing landlords.
Despite the many obstacles from central and local government that have been designed to limit the ambitions and growth of landlords and property investors, buy-to-let mortgage borrowing has recently reached a record high.
If you are self-employed currently, you could be forgiven in thinking that everyone is conspiring against you.
Rarely does a day pass when another lender announces their relaunch into 95% lending and those not operating in the market on a day-to-day basis may be forgiven in thinking that almost everything is back to normal in terms of availability of mortgages for those with 5% deposits.
Analysts have been making comparisons between the impact of COVID-19 and the Spanish flu epidemic that ended in 1920 and sparked a decade of economic and cultural change.
This extension could cost the government around £1bn.
There’s a need for drastic action.