Are banks asking too much?

First-time buyers are struggling with the highest mortgage deposits in a generation
Homes in Northern Ireland and north-west England are more likely than those in the rest of the UK to have been marked down by surveyors
UK house prices slipped in January according to a closely watched index, building a picture of sluggish house price growth overall
Dismal property sales in the north of England are counterbalanced by a strong London market
Data show the so-called ‘London effect’, whereby residential properties in the capital defy weakness elsewhere, is down to rising prices in a handful of areas
The price gap between the two property types is the widest on record, putting the country on course for a two-speed prime market
Growing numbers of home owners are being forced to sell their properties at a loss. This interactive map and table allow you to explore the worst affected areas
Are you at risk of negative equity? Find out with our exclusive mortgage calculator

First-time buyers are struggling with the highest mortgage deposits in a generation

Chris Giles, economics editor, on the persistent uncertainty in the UK housing market
A big danger for the UK is a sharp fall in house prices, which would threaten the finances of households and banks, writes Martin Wolf
Reality is really starting to sink in for British homeowners as the gap between first-time buyers and others is widening
No one should underestimate our determination to win this battle. We will fight for jobs, prosperity and the right protection for our countryside, write Eric Pickles and George Osborne
Deputy prime minister Nick Clegg argues taxing expensive properties, and capturing unearned wealth, could help to fund scrapping the 50% income tax band
Most polls of homeowners show that people know that house values are likely to fall. But that is unlikely to stop people from demanding, as a grandmother may put it, “the moon on a stick and now”.
Councils need greater tax-raising powers to reap the benefits of development. And the government should say what it will do if homeowners prefer to use local power to kick the housing ladder away under them