In the UK, house prices have risen at far greater rates than inflation, fuelled by unprecedented levels of borrowing. Because of these high prices, owning their own home has become unaffordable for many people. Those who are able to 'own' their own home must do so burdened by a huge level of debt. Since the recent financial crisis can be attributed in part to those who were unable to meet the repayments on their debts, governments should attempt to tackle the problem at its root and take action to prevent a continued rise in house prices above the level of inflation.