First-time buyers: Your stories

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People who don't own their own home are more pessimistic than ever about getting on the property ladder, according to research.

Two thirds of non-homeowners told a Halifax survey they can't see how they can afford to buy.

BBC News website readers have been sharing their experiences.

Victoria Bishop, Hereford

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"House prices are nine times the average salary"

I'm 26 and my boyfriend is 30 and we have been wanting to buy a house now for two to three years.

But even though we have good jobs - I'm a transport planner and my boyfriend's a graphic designer - and we earn a semi-decent wage, we are unable to save for a deposit as we currently rent.

In Herefordshire house prices are nine times the average salary so it is going to take us even longer than most people to save a decent deposit.

It is going to take us at least six to seven years to save enough even for 5%.

I think something has to be done to allow first-time buyers back into the market especially where they can prove they can repay the mortgage and have good jobs.

Charlie Barker, Northampton

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"People need to stop whinging and tighten their belts and save"

All this is ridiculous. I am a first-time buyer and I bought my house in 2009 when I was 23 with no help from my parents.

I went in half and half with my brother. Bottom line, save your money.

From everything I have seen, young people can't afford to get on the property ladder because they binge drink every Saturday night and blow all their money.

I don't drink, don't smoke, lived at home with parents for two years after university and saved up a deposit.

Now I own a three-bedroom terraced house and rent out two of the rooms. People need to stop whinging and tighten their belts and save.

Paul and Ellie Wittle, Taunton

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"We can't even afford a cheap house in the current market"

We really want to get on the property ladder but we can't even afford a cheap house in the current market.

Given the house prices, surely the cheaper houses are most likely to end in negative equity so it is pretty much a double hit.

We are calling on the builders and homeowners to support the rent-to-buy schemes.

These schemes allow people to rent for a couple of years and half of the rent is saved or invested and then used to put down a deposit on a mortgage.

With ever-soaring house prices this sort of scheme may be the markets only hope.

Aimee Rolls, Woking

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"I'm living in a shared house with six other people"

I certainly feel that there is a lack of support for young people looking to buy.

I cannot afford anything but to rent, with the situation being the way it is - and landlords are cashing in on this.

I'm living in a shared house with six other people who also can't afford to buy their own place.

Not just 20 to 25-year-olds, but people in their 30s and 40s all stuck with the prospect of renting.

With rent rising also, I'm looking at staying where I am for a long time - I can't afford to move anywhere else.