Buying a home is a big financial task, so there’s no easy answer. All you can do is try to keep your housing costs low, which is easier said than done. One approach is to live in the most modest home which still makes you happy. This reduces the portion of your earnings which are going on housing. House sharing is another approach.

Some people leave the whole homebuying project till later, aiming to make more from investing than they would from being on the housing ladder.

I think a key thing is to clear yourself of the British mindset that your home is an investment. Try to steer your capital into productive assets instead.