Home owners wanting to take their second step on the property ladder face some of the toughest market conditions ever seen, a study has said.
The cost for a "second stepper" to trade up to their next home is 4.7 times annual average earnings - the second highest ratio since records began 25 years ago. The situation has improved on a year ago, when the ratio stood at 5.2, according to Lloyds TSB's home movers review.
The study raised concerns that the high hurdles still faced by this sector are creating a "bottleneck" in the housing market, by limiting the choice available to first-time buyers and creating a greater scarcity of potential home buyers higher up the chain.
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