This is the problem with London and the UK. Wages are too low. The woman is on £35k a year, a very decent salary. She is looking to buy a home but has just £31.7 saved. She could probably get a 2 bed flat or house in greater london with a 90% mortgage but that is all of her savings gone. 20 years ago, her salary would have been £25k and she wouldn't be facing using all of her savings to get onto the housing ladder.