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Is it virtually impossible for first time buyers to get on the housing ladder? asks Gary Robertson.

Mortgage lenders such as Royal Bank of Scotland and the Alliance & Leicester are to offer customers loans of up to six times their salary. Is this simply irresponsible and encouraging people to take on an onerous financial burden? Are you having difficulty finding affordable accommodation? Perhaps you've taken on a big mortgage: how are you coping and do you fear for the future if interest rates begin to rise? And why is rented accommodation seen as a poor alternative to owning your own house or flat?

Gary Robertson takes your calls, texts and emails.