Merryn Somerset Webb

And of course, also, is now really the best time to buy a house at all?

To help us with that, we welcome back to the show, Anthony Emerson, director at Trinity Financial.

Hello, Anthony.

Good, thank you.

And thank you for joining us again.

We really appreciate it.

Now, you've already heard me say the questions I'm going to ask you.

So why don't we just start?

The landscape has changed a lot since we last saw you, last spoke to you.

Do you want to run us through what's been happening?

Yeah, 1.2 percentage points.

So up from, what was the sort of classic two-year fix before the war began?

Wow.

If we went out today with, say, a classic 10% deposit looking for a two-year fix, what would we end up paying?

Really?

It's not getting a little closer with these prices?

I mean, I always think when you see a lender prepared to offer six times income in a dodgy economy with very low growth in real wages, particularly in the private sector, it makes me feel nervous that maybe they've relaxed those affordability measures a little too much.

Interesting.

So you'd expect buying to become more affordable, prices to come down.

And we've seen certainly a collapse in house price growth.