My third even, 100% bank owned. Cannot afford to switch again so I think this is it till the end. All my under 30 colleagues also have their own by the way. It's fucking expensive especially with 3 kids who probably cannot move out the next 10 years.

I know where you're coming from, having older kids myself. It's hard and unfair. But that's how it always been. The unfair part isn't new.

Looking back thinking it was easier in the 60s, 70s, 80s, 90s is, I'm sorry to say, disillusional. You're just looking at housing (which was also bullshit in the 80s, and 00s by the way) and forget the rest of the shit of those times. 80s wasn't fun, my dad lost his job, we only kept our house because my grand parents died and the inheritance filled the financial hole. 00s also wasn't fun, being a part of the greatest depression since the 30s, I was fortunate to keep my IT job, a lot of mates lost everything. (job, house, marriage, because bad finance kills relations I've learned.) My wife did get fired and still is not at the same level as back then. But we get by, thank you for asking.

Finance is a bitch. Always has been.