You are so right Barrie. We had to pay over 20% deposit. Plus, once we had the house we didn't have fancy new carpets throughout (in fact we had bare floors for several years) and no curtains, just sheets tacked up for privacy. These days people borrow more than they can afford, buy more than they need, then complain when they can't make the payments!
We are now mortgage free after many years working and saving hard and have reached a time in our life where we can enjoy the fruits of our labours. Everything in our home we have cos we saved up for it and paid cash, that includes cars. Do not get sucked into the "buy now pay later" or "5 years interest free" cos they are a crock!