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From 26 April getting a mortgage may become more difficult for some people. The reason is the Mortgage Market Review, which is a new set of rules from the regulator, the Financial Conduct Authority, that requires lenders to carry out a more detailed examination of people's finances.

Laura McGuinness, who works in London for a management consultancy firm, has a mortgage agreement but is finding it difficult to buy her first home: There’s just seems to be so much money around following so few properties compared to the demand, you do sometimes think-well where is it going to end."

Charles Haresnape, managing director of mortgages at Aldermore Bank said “there will be some people who won't get a mortgage, who previously would have done, but they are very much in the minority".

This clip is from Breakfast 25 April.