First-time buyers who can’t afford their own home, according to a mortgage expert, have a “victim mentality.”

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First-time buyers who can’t afford their own home, according to a mortgage expert, have a “victim mentality.”

People who can’t afford their own home, according to a mortgage consultant who bought her first home at the age of 20, have a “victim mentality.”

Ewa Brzeska, a Carlisle resident, used her TikTok profile to chastise those who claim they can’t afford a home and blame the government for their problems. She mentioned the various first-time buyer options available, such as lifetime ISAs and mortgage guarantee plans.

Her video has nearly 200k views, and hundreds of people have commented that Ms Brzeska is being harsh.

“You are so out of touch,” one enraged user said. Circumstances and net income, as well as house prices, are all factors to consider. I’m referring about London and commuter towns in particular.”

“The problem, not the plans, is that house prices are just too expensive,” another observed.

“Wow, you have no concept what it’s like for working class folks do you?” echoed a third.

Despite the response, Ms Brzeska maintains her position that individuals should not rely only on the government and rather try to save money in order to get on the housing ladder.

“The government can only do so much,” she remarked. There are so many various schemes that almost everyone will find something they like. When I was 20, I utilized the Help to Buy scheme to purchase my first home… I didn’t get any help from my parents with the deposit, so I had to save it all myself.

“However, people must recognize that they must contribute as well. According to The Mirror, “a lot of these arguments stem from a victim mindset.”

She acknowledged that purchasing a home is difficult, but claimed that it isn’t supposed to be because the “property market would go off the rails” if it were.

“I would say enormous well done to the folks who have already gone aboard the property ladder, because they have achieved what they set out to achieve, and it demonstrates it can be done,” she concluded.

Other users agreed with Ms Brzeska. “I am 28,” one woman commented. At the age of 27, I purchased my first home. Since 2015, I’ve been financially self-sufficient and have been renting. I am paid the bare minimum. It’s possible.”

“If you really want to buy a house, you can just save and quit spending,” said another.

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