I’m fairly sure, some time ago the bean counters at the government announced a change in mortgage rules where, and I paraphrase; if you could prove an ability to pay £x amount as rental on a property with no missed payments then it’s fair to assume you would be low risk for a low deposit mortgage and therefore pay towards owning your own house rather than paying off the mortgage for some rich fucker to own it.
What happened to that school of thought? Did they then decide they didn’t want to piss off the rich fuckers for whom having other folk paying off their mortgages is a thing.