There’s something that has been bothering me for ages and as I’m in a whiny mood I thought I’d write about.

Basically my problem is with mortgages and the fact that no one takes into consideration the fact that for the last 9 years without fail we have been paying around £750 a month every month. If we went for a mortgage this would count for nothing.

I know we’re not the only ones. The other thing is normally people who rent no longer have any savings for a deposit.

The fact is banks would give mortgages to people based on what they earn and none of them had previous experience of paying out huge sums every month.

As things stand we’ve no chance of getting a mortgage as my wife works part time since we had children and that’s not going to change until they are both at school which will be another 3 years down the line. Again with this situation we have always paid our rent, tax, and every other bill that comes with a house.

On a side note if anyone’s got a spare £170,000 and we’ll sort out a repayment system.