“Why does nobody address crippling private rent (Nils Pratley, 21 November)? Why is it OK for my daughter and boyfriend to pay someone else’s mortgage by renting and having to share with several other people, only living in a room, sharing a bathroom and small kitchen and no communal area, not being able to afford to rent a place of their own or to get a mortgage, despite both working. If people can afford to pay rent they should be able to get an affordable mortgage. My daughter could never afford a property over £250,000, so a new allowance for properties up to £300,000 is an irrelevance.
My husband and I both work more than full time. I work two jobs and we only scrape by; we could not afford a mortgage now if we were first-time buyers. I am guessing that the young people who can afford £300,000 on a house are young professionals on a very high wage or are from a wealthy background where they have help? My daughter and her boyfriend both have degrees and have been saddled with debt. Sadly, we, like many parents, are not in a position to be able to help. The government needs to look at more social housing, charging people who own more than one property extra tax for each additional property, and ensure rents are capped.