Today we're in the studio with RBS looking at their brand new Ability to Buy Index.

This is the first time that an index as comprehensive as this has been released - and for some areas it's not looking too hopeful. For some, it's actually worse to try and get onto the housing ladder than at the peak of the 2009 recession.

It's also taking us on average 35 months to save up those pennies for that 10% mortgage.
So, does the future really look that hopeful?