Getting on the property ladder for the first time is no easy task, but one woman has ruffled some feathers after sharing her thoughts on the process.
Ewa Brzeska from Carlisle, Cumbria, took to her TikTok account @ ebmortgages to criticise those who blame the government for their housing woes.
She pointed out the range of plans available to first-time buyers, including lifetime ISAs and mortgage guarantee schemes.
But the 25-year-old mortgage adviser was met with criticism for her video, as angry commenters branded her as “tone deaf”.
One commenter wrote: “You are so out of touch. Circumstances and net income, also house prices. I specifically mean for London and commuter towns.”
Kennedy News and Media)
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While another wrote: “House prices are far too expensive, that’s the problem, not the schemes.”
Despite the outcry, Ewa – who bought her own home at the age of 20 – said she stands by her belief that people shouldn’t expect the government to do more and that people should work towards saving up.
She said: “The government can only do so much. There are so many different schemes that there’s almost something for everyone. I used the Help to Buy scheme myself and got my first house when I was 20.
“There’s certainly something for everybody, but people need to realise they need to make some input as well.
“A lot of these arguments go back to this victim mentality. To the people who’ve already gotten onto the property ladder, I’d say massive well done to them, because they’ve achieved what they set out to achieve, and it shows it can be done.
“When I bought my house, I was only 20. I had no input from my parents for the deposit, I saved it all myself.”
But she admits that the gruelling journey to buy a home isn’t “easy”.
She added: “It’s possible to have your own house, but ultimately not everything can be given to you, you have put in some of the work as well.
“Obviously it’s not easy, I’m fully aware of that, but it’s not supposed to be. If it was, the property market would go off the rails.”
While many people were left fuming by Ewa’s video, the woman insisted she’s only trying to help people understand what schemes are available to help them.
She explained: “People sometimes don’t realise how much they’ll spend on certain things. I know people will say they have to maintain a certain quality of life, but there are sacrifices that need to be made if you want to get onto that property ladder.
“It can be frustrating when you provide people with all this information and all they’re doing is complain. It can seem like a slap in the face.
“But there’s only so much you can do. The people who will want to be helped will find my videos useful. But those who want to come and complain will find anything to complain about.”
Some commenters do agree with Ewa, as one wrote: “I’m 28. I bought my first house at 27. I’ve been financially independent since 2015 and have been renting since then. I earn minimum wage. It’s doable.”
And another posted: “If you really want to buy a house you can just save and stop spending.”