On average private renters spend about a third of their income on housing, compared with roughly 13% for homeowners.

One of the issues is that a landlord of a privately-rented house typically has a buy-to-let mortgage on that property and it is the tenant who is paying it.

If said tenant has proven they have paid their rent for two years uninterrupted, this should be evidence enough that they can afford a mortgage on at least the property they have been renting. After all, 13% of their income is probably the mortgage their landlord is paying.

Many more statistics will follow, along with our ideas to make the system more balanced.