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Interest rates are putting pressure on home borrowers, but some are feeling the pinch more deeply and have fewer options to manage.

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Most home owners have managed to keep up with 13 interest rate rises, but in some areas at least one in 50 borrowers are behind.

Homeowners are feeling the pinch after rolling off their ultra-low fixed mortgage rates. They’re hoping it doesn’t get worse.

Although the volumes are not yet back to the levels of five years ago, they have picked up since this time last year.

Workers will have extra cash in their pay packets from next week, but beware the siren song of “lifestyle creep”.

As many as one in 30 households in hard-hit pockets have fallen behind on repayments, buckling under high interest rates and inflation.

Workers are feeling ‘pretty distressed’ to realise the basics of life have slipped further out of reach than even in the recent past.

That amount of money would have been the difference between buying a three-bedroom and a two-bedroom house.

Some have been forced to lean on family for help, make a compromise, or delay their decision to purchase altogether.

Home buyers who managed to squeak into the property market during a narrow window of time a few years ago would not be as lucky today.

The cost-of-living crisis is colliding with home owners’ search for enough space to accommodate their family.