I think mortgages must be a real nightmare for the youngsters of today, property prices have got completely out of control and along with university fees can set someone up for a life of debt and little prospect of a decent retirement which is really not fair. The gap between income and property prices is what has just grown out of proportion and the days of two years gross income equaling the property value have gone and then go back to when many homes were purchased just by a single income whilst the mum looked after the kids.