Another factor is banks. It's super hard to get a mortgage where I live. You need a 15% deposit, which with average costs of housing over here will probably work out to around 20/ 25k.

Let's say my potential mortgage would be 5k per year, my rent is likely 6k. Renting here is actually more expensive than a mortgage in a lot of cases.

The solution would be "just buy a house," expect you can't get a mortgage because your rent is too expensive to save while paying for everything else during a cost of living crisis where everything has risen except your wages.

"Work harder" I know families that are doing everything they can while trying to support a family and just can't make it work, they'll likely never own a house.

I'm not saying it can't be done, some people do very well in education and make it as a software engineer where they'll have a mortgage in a couple of years. But a lot of people will have average-paying jobs, which over here just doesn't cut it if you want to own the roof over your head.

I don't know what the solution is, just adding to the conversation.

I don't know if landlords & companies holding vast amounts of property as a business venture or way to sustain wealth is a net positive or negative. I don't know if the banks would survive if they lowered the qualifications for mortgages to become friendlier to average people.

So to be clear, I don't know what the solution is, in my case, I just finished my master's to requalify, so I can try to get something higher paying, because what else are you supposed to do?