in an unrelated development, the club's portuguese striker, cristiano ronaldo, is leaving — with immediate effect — after a recent interview in which he criticised united. now on bbc news it's time for panorama. tonight on panorama: the struggle to afford a home. if you have to sell it, you have to sell it. you have to sell it, you have to sell it— to sell it. that is tough, isn't it? _ to sell it. that is tough, isn't it? yes, _ to sell it. that is tough, isn't it? yes, it - to sell it. that is tough, isn't it? yes, it is. - to sell it. that is tough, isn't it? yes, it is. it- to sell it. that is tough, | isn't it? yes, it is. it has been quite _ isn't it? yes, it is. it has been quite hard. - isn't it? yes, it is. it has been quite hard. risingl been quite hard. rising mortgage _ been quite hard. rising mortgage rates - been quite hard. rising mortgage rates and - been quite hard. rising l mortgage rates and rents been quite hard. rising - mortgage rates and rents are hitting homeowners and tenants hard. . , hitting homeowners and tenants hard. ., , ., , hitting homeowners and tenants hard. .,, ., , hard. there was noise coming from the _ hard. there was noise coming from the hole. _ hard. there was noise coming from the hole. that's - hard. there was noise coming from the hole. that's when i i from the hole. that's when i -ot from the hole. that's when i got my— from the hole. that's when i got my phone _ from the hole. that's when i got my phone out _ from the hole. that's when i got my phone out and - from the hole. that's when i got my phone out and i- from the hole. that's when i. got my phone out and i started to have — got my phone out and i started to have acquired. _ got my phone out and i started to have acquired.— got my phone out and i started to have acquired. wow! millions are trapped _ to have acquired. wow! millions are trapped in — to have acquired. wow! millions are trapped in miserable - are trapped in miserable

conditions. i are trapped in miserable conditions.— are trapped in miserable conditions. , ., ., conditions. i could put arm to arm to the — conditions. i could put arm to arm to the walls, _ conditions. i could put arm to arm to the walls, you - conditions. i could put arm to arm to the walls, you know. l arm to the walls, you know. that's how small it is.- that's how small it is. and more families _ that's how small it is. and more families are - that's how small it is. and more families are being i that's how small it is. and more families are being forced out. ~ ., ., , more families are being forced out. . ., ., , ., more families are being forced out. ~ ., ., , ., ., out. what does that due to the children? _ out. what does that due to the children? that _ out. what does that due to the children? that is _ out. what does that due to the children? that is not _ out. what does that due to the children? that is not fair - out. what does that due to the children? that is not fair to - children? that is not fair to make — children? that is not fair to make themjump to children? that is not fair to make them jump to all those places — make them “ump to all those laces. ., , ., ~' places. could you live like that? why _ places. could you live like that? why should - places. could you live like that? why should they . places. could you live like | that? why should they live places. could you live like - that? why should they live like that, it is not _ that? why should they live like that, it is not fair. _ a house isn't just a house isn'tjust bricks and mortar. it's a home, somewhere to build a life. you'll make this as the front room, living room. the kids, obviously, spend lots of times on here. this is the key. a midwife who can't afford to keep the family

home. so the christmas tree would go here, would it? in the month i have quite a toll one because we have quite tall ceilings. 2a years of christmas trees there? in the market is always there, yeah. vicky has worked for the nhs for ia years. she brought up her two boysin years. she brought up her two boys in this home in the london suburbs. they've now grown up but they still live at home. your lads, they were kids at that table.— that table. yeah, and it has been a good _ that table. yeah, and it has been a good house - that table. yeah, and it has been a good house for- that table. yeah, and it has been a good house for us. | that table. yeah, and it has been a good house for us. i that table. yeah, and it has - been a good house for us. i got this lovely garden.— this lovely garden. vicky is on a track mortgage _ this lovely garden. vicky is on a track mortgage so - this lovely garden. vicky is on a track mortgage so it - this lovely garden. vicky is on a track mortgage so it goes i this lovely garden. vicky is on| a track mortgage so it goes up or down with interest rates. you make when they were little in the summer and so pleased to have a big swing and slide under trampoline and a swimming

pool under trampoline and a swimming pool. the £320,000 mortgages interest only. this year, they keep us make payments have risen from £300 to £850 a month so she has decided to sell. obviously, the interest rates have started to creep up again. it's gone up quite a lot, so i need to sell it because otherwise i'm going to end up paying probably £1000 and interest. that keeps going up more than i can't afford it. it is just finding more than i can't afford it. it isjust finding things, can i do it that way? can i do it that way? you know. those are big decisions. _ that way? you know. those are big decisions. you _ that way? you know. those are big decisions. you might - that way? you know. those are big decisions. you might have i big decisions. you might have had sleepless nights as i think that worrying about it. when he saw the interest rates rising started to physically affect you? in the market is terrifying commercially. have a good job, terrifying commercially. have a goodjob, i terrifying commercially. have a good job, i work hard but even having that salaries still pity me in that situation. cows that affected you? in the market is made over the emotional. sometimes i could just get a

motion of no reason. it is not for the want to sell it but, a stage where you have to. we have two, if you have to sell it, you have to sell it. it is tough, isn't it?— it, you have to sell it. it is tough, isn't it? yeah, it is. yeah, it— tough, isn't it? yeah, it is. yeah, it has _ tough, isn't it? yeah, it is. yeah, it has been - tough, isn't it? yeah, it is. yeah, it has been quite - tough, isn't it? yeah, it is. i yeah, it has been quite hard. interest rates have been increased this year to try to control inflation. putting pressure on the uk's already creaking housing market. september's mini budget pushed it deeper into crisis. this year, fixed—rate mortgages have gone up from two to 6%. it is not the sole of the people at the very bottom of the housing system now who are struggling.

it also increasing numbers of people who would previously have regarded themselves as secure and comfortable are struggling to meet their housing costs. housing touches everything. it is so important to our society and our economy. the number of families urban form because people are unable to leave home and move in with a loved one and for the people who don't see housing is important, i would say, just look around, it is absolutely fundamental to our economy and our society. fundamental to our economy and oursociety. it fundamental to our economy and our society. it is notjust buying. the rental market is under pressure as well. vents were already rising because of a shortage of homes. higher mortgage costs are pushing them up mortgage costs are pushing them up further. of the landlords we have spoken to have interest only mortgages are there seen them increase in the good think about how they're going to meet that payment and those of the landlords who are starting to

think about how they might pass those costs on increasing the rent. this is a nurse facing eviction. she and her partner have for school age kids. they've lived in this bristol hells for ten years and pay £950 a month rent. but the landlord says that's far below the market rate and the house needs to be renovated. so the landlord has issued a section 21 eviction notice. no fault, no blame, just a date to get out. december15. it no blame, just a date to get out. december15._ no blame, just a date to get out. december15. it is crasher word. out. december15. it is crasher word- you _ out. december15. it is crasher word. you just _ out. december15. it is crasher word. you just think, - out. december15. it is crasher word. you just think, what - out. december15. it is crasher word. you just think, what are | word. you just think, what are you meant to do? we've got four

children. how do we find somewhere in eight weeks? it is not long enough. to then look for somewhere alongside working and managing the children and how do you financially find that money to do it?- how do you financially find that money to do it? they both work full-time. _ that money to do it? they both work full-time. she _ that money to do it? they both work full-time. she is - that money to do it? they both work full-time. she is a - that money to do it? they both work full-time. she is a ward l work full—time. she is a ward manager in the nhs and he works nights in a warehouse. despite earning £60,000 a year between them, they say they can't afford another place like this. it is £1800 a month per three bedroomed house in bristol. thus the majority of my wages. that's all a bit. my aim in life is to put a save roof over my children's heads. i've worked really hard to earn money to make sure my children are safe and i wanted to be able to provide from them and even though i'm doing this i can't maintain their safety. they are looking at be homeless. i5

they are looking at be homeless.— they are looking at be homeless. , ., ., homeless. is that what you think might _ homeless. is that what you think might happen? - homeless. is that what you j think might happen? yeah, because we _ think might happen? yeah, because we don't _ think might happen? yeah, because we don't have - think might happen? yeah, because we don't have any| think might happen? yeah, - because we don't have any other option. because we don't have any other 0 tion. ., , , because we don't have any other otion. ., , , ., option. per family is not alone. like _ option. per family is not alone. like her, - option. per family is not| alone. like her, 20,000 households face homelessness after receiving a 21 eviction notice in england last year. evictions went down during the pandemic but now they are rising. the number of inventors forced out by their landlords has more than doubled in the past year. there is widespread fear amongst tenants that they could be evicted for a section 21 notice through no fault of their own. ifeel sad, to be honest. i think the housing system is dysfunctional. it creates poverty for people. and lots of people live in very vulnerable situations and sadly i think the numbers of people living in those situations is only going to increase. once

you're out, it can be hard finding a new place to live. the high cost of buying a home means more people are renting. here in leeds, rents have risen 10% in the past year. which property was it, sorry? is that the two bed at 850 a month? fantastic. can ijust ask the two bed at 850 a month? fantastic. can i just ask you is living at the property. they can be dozens of people competing when new rental properties come on the market. it might more often than not, we do block viewing so we will go to a property in show six different people round and we do cap the viewing set 6—8 per day otherwise itjust gets too much, you're showing 20 around the property and only one person can take it. some people coming for viewing so

desperate. it coming for viewing so desperate.— coming for viewing so desperate. coming for viewing so deserate. , , _ ., desperate. it is so busy at the minute. desperate. it is so busy at the minute- we — desperate. it is so busy at the minute. we are _ desperate. it is so busy at the minute. we are seeing - desperate. it is so busy at the minute. we are seeing rent i minute. we are seeing rent increases the demand keeps getting higher and higher. we have seen tenants being priced out of the market and what we have seen, actually, is a huge increase in tenants wanting rim shares because the pricing is a bit more affordable for them. there is a darker side to the housing market. when tenants are desperate, landlords might cut corners. this is georgina. she is living in a flat that's falling apart.— she is living in a flat that's fallin: a art. ., i. falling apart. here we go, you can immediately _ falling apart. here we go, you can immediately see - falling apart. here we go, you can immediately see it. - falling apart. here we go, you can immediately see it. a - can immediately see it. massive chunk of the season has just come down. the 27—year—old graphic designer has been living here in birmingham for

two years. it living here in birmingham for two years-— living here in birmingham for two ears. ., ., ., two years. it was about a month after i two years. it was about a month after i moved — two years. it was about a month after! moved in. _ two years. it was about a month after i moved in. i _ two years. it was about a month after i moved in. i was - two years. it was about a month after! moved in. i was in - two years. it was about a month after! moved in. i was in bed i after i moved in. i was in bed and _ after i moved in. i was in bed and i— after i moved in. i was in bed and i could _ after i moved in. i was in bed and i could hear the after i moved in. i was in bed and i could hearthe rain and i thought— and i could hearthe rain and i thought it _ and i could hearthe rain and i thought it sounded really nice and very— thought it sounded really nice and very loud and then i realised, that was because the rain was — realised, that was because the rain was inside. georgina fixed the first— rain was inside. georgina fixed the first hole with tape last yeah — the first hole with tape last year. her repairs held firm until— year. her repairs held firm until the _ year. her repairs held firm until the middle of the night two months ago. there was noise coming _ two months ago. there was noise coming from the hole, which is a sentence _ coming from the hole, which is a sentence i would never thought— a sentence i would never thought i would have said. and then— thought i would have said. and then i— thought i would have said. and then i started to hear cracks and — then i started to hear cracks and at — then i started to hear cracks and at that point, when i heard the cracks, _ and at that point, when i heard the cracks, that is when i got my phone _ the cracks, that is when i got my phone out and they started to record _ my phone out and they started to record-_ to record. while. oh, my god. that is extraordinary. - to record. while. oh, my god. that is extraordinary. she i to record. while. oh, my god. | that is extraordinary. she pays £580 a month for the flat. it's now effectively a bedsit. she can only use the lounge. what's

been the worst bed? the functionality _ been the worst bed? the functionality is _ been the worst bed? the functionality is damp, i been the worst bed? the functionality is damp, it is cold — functionality is damp, it is cold and _ functionality is damp, it is cold and they don't want to heat. — cold and they don't want to heat, light, when there isjust cold _ heat, light, when there isjust cold air— heat, light, when there isjust cold air coming out of this hole. _ cold air coming out of this hole. so— cold air coming out of this hole, so i'm layering up but because _ hole, so i'm layering up but because i'm don't want to put my heating my stuff is going mouldx _ my heating my stuff is going mouldy. it is with the damp. georgina's landlords are renovating the top floor. they say they want to fix georgina's flat but no one answered the door when they called. georgina says she has asked them to fix the ceiling and they haven't. you could potentially face a winter here?— you could potentially face a winter here? , , ., , ., winter here? yes, yeah, yeah. what is that — winter here? yes, yeah, yeah. what is that prospect - winter here? yes, yeah, yeah. what is that prospect alike? i l what is that prospect alike? i think... ithink, right now, i'm — think... ithink, right now, i'm just _ think... ithink, right now, i'm just living on nothing, that— i'm just living on nothing, that is— i'm just living on nothing, that is what i do. i think i shut— that is what i do. i think i shut that _ that is what i do. i think i

shut that door and focus on heating _ shut that door and focus on heating where i am wages and very— heating where i am wages and very much of a life, is it? the fitures very much of a life, is it? the figures show _ very much of a life, is it? the figures show a _ very much of a life, is it? the figures show a third - very much of a life, is it? the figures show a third of- very much of a life, is it? the figures show a third of the private _ figures show a third of the private rented _ figures show a third of the private rented sector- figures show a third of the private rented sector is i figures show a third of the private rented sector is in| private rented sector is in disrepair~ _ private rented sector is in disrepair. some - private rented sector is in disrepair. some of- private rented sector is in disrepair. some of the i private rented sector is in- disrepair. some of the demand is pushing _ disrepair. some of the demand is pushing downwards - disrepair. some of the demand is pushing downwards into- disrepair. some of the demand| is pushing downwards into what i is pushing downwards into what i would — is pushing downwards into what i would call— is pushing downwards into what i would call the _ is pushing downwards into what i would call the shadow- is pushing downwards into what i would call the shadow part i is pushing downwards into what i would call the shadow part ofi i would call the shadow part of the private _ i would call the shadow part of the private rented _ i would call the shadow part of the private rented sector. i i would call the shadow part of the private rented sector. so l the private rented sector. so we might— the private rented sector. so we might see _ the private rented sector. so we might see some - the private rented sector. so we might see some than- the private rented sector. so i we might see some than those without— we might see some than those without good _ we might see some than those without good quality— we might see some than those| without good quality properties at all— without good quality properties at all also — without good quality properties at all also able _ without good quality properties at all also able to _ without good quality properties at all also able to find - at all also able to find tenants _ at all also able to find tenants for— at all also able to find tenants for the - at all also able to find i tenants for the tenants are getting _ tenants for the tenants are getting desperate - tenants for the tenants are getting desperate in- tenants for the tenants are getting desperate in termsj tenants for the tenants are i getting desperate in terms of where — getting desperate in terms of where they— getting desperate in terms of where they need _ getting desperate in terms of where they need to _ getting desperate in terms of where they need to be. - getting desperate in terms of where they need to be. in i where they need to be. in london. _ where they need to be. london, midwife vicky where they need to be.“ london, midwife vicky has put herfamily home on london, midwife vicky has put her family home on the market. high, the key. thanks for coming in. it is a lovely house. it's got bags of accommodation. i prefer bear in mind that the market has slowed down. ., ~ ., mind that the market has slowed down. ., ,, ., ., , down. yeah, i did think that as well. down. yeah, i did think that as well- you _ down. yeah, i did think that as well. you make _ down. yeah, i did think that as well. you make in _ down. yeah, i did think that as well. you make in terms i down. yeah, i did think that as well. you make in terms of i down. yeah, i did think that as| well. you make in terms of the market — well. you make in terms of the market might be going think we might— market might be going think we might see prices slipping back little — might see prices slipping back

little is — might see prices slipping back little. , ., ., , little. is going to use the money from _ little. is going to use the money from her - little. is going to use the money from her house i little. is going to use the i money from her house sale to buy some are smaller and cheaper. i buy some are smaller and cheaper-— buy some are smaller and cheaer. ., �* ., ., ., cheaper. i don't want to get a sta . e cheaper. i don't want to get a stage where _ cheaper. i don't want to get a stage where the _ cheaper. i don't want to get a stage where the interest i cheaper. i don't want to get a | stage where the interest rates are so— stage where the interest rates are so high can't afford my mortgage and then i lose my house — mortgage and then i lose my house. ., , ., ., ,, house. that is a massive way for an awful _ house. that is a massive way for an awful lot _ house. that is a massive way for an awful lot of— house. that is a massive way for an awful lot of people. in | for an awful lot of people. in terms of timing, terms of how long it is going to take to sell, its really a crystal balljob. sell, it's really a crystal balljob— sell, it's really a crystal ball 'ob. ~ , ., ., , ball job. will 'ust have to be atient? ball job. willjust have to be patient? yes. _ ball job. willjust have to be patient? yes. i— ball job. willjust have to be patient? yes. i need - ball job. willjust have to be patient? yes. i need to i ball job. willjust have to be patient? yes. i need to be l balljob. willjust have to be i patient? yes. i need to be able to sell it but _ patient? yes. i need to be able to sell it but you _ patient? yes. i need to be able to sell it but you can't. .. i patient? yes i need to be able to sell it but you can't... you can— to sell it but you can't... you can take _ to sell it but you can't... you can take to— to sell it but you can't... you can take to water but you can't make — can take to water but you can't make it — can take to water but you can't make it drink.— can take to water but you can't make it drink. how do you view the next three _ make it drink. how do you view the next three months? - make it drink. how do you view the next three months? i- make it drink. how do you view the next three months? i think| the next three months? i think it will be required _ the next three months? i think it will be required for— the next three months? i think it will be required for the i it will be required for the next _ it will be required for the next couple of months and then hopefully, after christmas, it will start _ hopefully, after christmas, it will start to pick up.- will start to pick up. vicky ho es will start to pick up. vicky hopes she _ will start to pick up. vicky hopes she can _ will start to pick up. vicky hopes she can escape i will start to pick up. vicky hopes she can escape her| will start to pick up. vicky i hopes she can escape her own personal housing crisis. and around the uk, millions of families are facing difficult

choices. more than 60% of respondents to a poll for the bbc last month said they expect it will be difficult to pay housing costs this winter. i think there are multiple housing _ think there are multiple housing crises- think there are multiple housing crises within i think there are multiple | housing crises within the system _ housing crises within the system and _ housing crises within the system and i— housing crises within the system and i think- housing crises within the system and i think it i housing crises within the system and i think it hasj housing crises within the i system and i think it has got worse — system and i think it has got worse over— system and i think it has got worse over time. _ system and i think it has got worse over time. housing i system and i think it has got worse overtime. housing is| system and i think it has got i worse over time. housing is now significantly— worse over time. housing is now significantly more _ worse over time. housing is now significantly more expensive i worse over time. housing is now significantly more expensive in. significantly more expensive in relation — significantly more expensive in relation to— significantly more expensive in relation to earnings _ significantly more expensive in relation to earnings and - significantly more expensive in relation to earnings and that i relation to earnings and that creates— relation to earnings and that creates more _ relation to earnings and that creates more problems i relation to earnings and that creates more problems for. creates more problems for households _ creates more problems for households in— creates more problems for households in choosing i creates more problems for. households in choosing where creates more problems for- households in choosing where to live _ households in choosing where to live we — households in choosing where to live we think— households in choosing where to live. we think the _ households in choosing where to live. we think the need - households in choosing where to live. we think the need to - households in choosing where to live. we think the need to be i households in choosing where to live. we think the need to be a i live. we think the need to be a cross-party _ live. we think the need to be a cross—party commitment - live. we think the need to be a cross—party commitment to i cross—party commitment to building — cross—party commitment to building the _ cross—party commitment to building the new— cross—party commitment to| building the new generation cross—party commitment to i building the new generation of homes — building the new generation of homes that— building the new generation of homes that are _ building the new generation of homes that are affordable i building the new generation of homes that are affordable fori homes that are affordable for people — homes that are affordable for people in— homes that are affordable for people in below—average i people in below—average incomes _ people in below—average incomes. to— people in below—average incomes. to live - people in below—average incomes. to live on. i people in below—average incomes. to live on. wel people in below—average i incomes. to live on. we sell, you _ incomes. to live on. we sell, you know. _ incomes. to live on. we sell, you know. the _ incomes. to live on. we sell, you know, the national- incomes. to live on. we sell, you know, the national living| you know, the national living wage — you know, the national living wage become _ you know, the national living wage become something - you know, the national living| wage become something that you know, the national living - wage become something that both parties _ wage become something that both parties got — wage become something that both parties got around _ wage become something that both parties got around after _ wage become something that both parties got around after it - wage become something that both parties got around after it was - parties got around after it was introduced _ parties got around after it was introduced in— parties got around after it was introduced in the _ parties got around after it was introduced in the late - parties got around after it was introduced in the late 1990s. i think— introduced in the late 1990s. i think the _ introduced in the late 1990s. i think the need _ introduced in the late 1990s. i think the need to _ introduced in the late 1990s. i think the need to be - introduced in the late 1990s. i think the need to be a - introduced in the late 1990s. i think the need to be a similar| think the need to be a similar commitment _ think the need to be a similar commitment to— think the need to be a similar commitment to providing - think the need to be a similar. commitment to providing living homes — commitment to providing living homes set _ commitment to providing living homes set at _ commitment to providing living homes set at around _ commitment to providing living homes set at around people . commitment to providing living i homes set at around people can afford — homes set at around people can afford. ht — homes set at around people can afford. �* , ., , . afford. in bristol, it is an important _ afford. in bristol, it is an

important day. _ afford. in bristol, it is an important day. the - afford. in bristol, it is an important day. the nhs| afford. in bristol, it is an - important day. the nhs nurse and herfamily face being and her family face being evicted and herfamily face being evicted ten days before christmas. 50 she's come to the council for help. christmas. 50 she's come to the councilfor help. so how important is this meeting? 50 important is this meeting? sr important. i don't have any other option budgeting for social housing is the only option we have got. it is so scary because this is our only option, is terrifying. if i work in here now and they say we don't meet the criteria, do? we don't have the solution. it's huge. we don't have the solution. it's huge-— we don't have the solution. it's huge. she's in the office for 40 minutes. _ it's huge. she's in the office for 40 minutes. these - it's huge. she's in the office for 40 minutes. these are l for 40 minutes. these are crucial moments for the family. how did that go?—

crucial moments for the family. how did that go? terrible. were not entitled _ how did that go? terrible. were not entitled to _ how did that go? terrible. were not entitled to social— how did that go? terrible. were not entitled to social housing i not entitled to social housing because of your annual income. i'd buy what is the moment like? is devastating because what my men to do? so, she talked about temporary accommodation so that essentially will never be homeless if we got to the point where the bailiffs came and we had to leave.— had to leave. she said that, then? you _ had to leave. she said that, then? you would _ had to leave. she said that, then? you would be - had to leave. she said that, then? you would be housed had to leave. she said that, i then? you would be housed in temporary _ then? you would be housed in temporary accommodation - then? you would be housed in| temporary accommodation but then? you would be housed in - temporary accommodation but she said with need a three bedroom for the children. we will not be able to get that so it be in a two bedroom and then we were then moved to another place you could move around for three times before you find somewhere so what does that due to the children. that's not fair to make those places.- children. that's not fair to make those places. how could that happen? _ make those places. how could that happen? why _ make those places. how could that happen? why should - make those places. how could that happen? why should they have to live — that happen? why should they have to live like _ that happen? why should they have to live like that _ that happen? why should they have to live like that when - have to live like that when their parents work, it's not fair. it's not fair.—

fair. it's not fair. councils everywhere _ fair. it's not fair. councils everywhere are _ fair. it's not fair. councils| everywhere are struggling fair. it's not fair. councils i everywhere are struggling to house homeless families. in england, they are spending £i.4 england, they are spending £1.4 billion a year on temporary accommodation. people are adjusting to cost of living pressures and it is making life very difficult for people but there are children going to sleep in temporary accommodation tonight and that's got to be the priority. social housing is to be the safety net. but 1.4 million social homes have been lost in england alone over the past 40 years. the countries in building around 150,000 homes of all types a year. less than half than what the government said we need and that puts even more pressure on the private rental market.— more pressure on the private rental market. those people who would want _ rental market. those people who would want to _ rental market. those people who would want to own _ rental market. those people who would want to own have - rental market. those people who would want to own have to - would want to own have to privately rent because they have no other option. at the same time, we've got people who might prefer or who should

really be in social housing because it is lower events of thatis because it is lower events of that is why everyone is looking towards the private rented sector at the moment because those two other bits of the housing market and working. i’m housing market and working. i'm 'ust housing market and working. i'm just wondering if you got my email— just wondering if you got my e—mail about just wondering if you got my e—mailabout my just wondering if you got my e—mail about my with the ceiling _ e-mail about my with the ceilinu. , ., ., ., , e-mail about my with the ceilin.. , ., . ., , ., . ceiling. georgina does not have the whole _ ceiling. georgina does not have the whole mended _ ceiling. georgina does not have the whole mended and - ceiling. georgina does not have the whole mended and she - ceiling. georgina does not have the whole mended and she is i the whole mended and she is ringing the local council. the council tell her they will not come to inspect the ceiling because she has already decided to move out. because she has already decided to move out-— to move out. thank you for answering _ to move out. thank you for answering all— to move out. thank you for answering all of— to move out. thank you for answering all of my - to move out. thank you for answering all of my many l answering all of my many questions. she has found a new place _ questions. she has found a new place in — questions. she has found a new place. i'm going to move. the

tenancy— place. i'm going to move. the tenancy agreement is signed. and the — tenancy agreement is signed. and the only, like, way, i've been — and the only, like, way, i've been able _ and the only, like, way, i've been able to move is i borrowed nroney— been able to move is i borrowed money of— been able to move is i borrowed money of family members come off nty— money of family members come off my mum. i have lived like this— off my mum. i have lived like this for— off my mum. i have lived like this for two months, 60 days of a hole _ this for two months, 60 days of a hole in— this for two months, 60 days of a hole in my ceiling. now there is mould — a hole in my ceiling. now there is mould so there's that to contend _ is mould so there's that to contend with as well. i'm going to move — contend with as well. i'm going to move to— contend with as well. i'm going to move to the new place and be opening — to move to the new place and be opening boxes pray my things haven't— opening boxes pray my things haven't gone mouldy. so what is your situation, how can we help? the housing charity shelter is getting 1000 calls a day from people looking for help. 50 calls a day from people looking for hel. , ., calls a day from people looking for hel. ,., , . ., for help. so there is a section 21 as well- — for help. so there is a section 21 as well. have _ for help. so there is a section 21 as well. have you - for help. so there is a section 21 as well. have you got - for help. so there is a section 21 as well. have you got any i 21 as well. have you got any food in the house?

shelter survey suggests rents have risen for nearly a third of private tenants in the last three months and that one in three months and that one in three have borrowed money to pay the rents. ads, three have borrowed money to pay the renta— pay the rents. a court order. thins pay the rents. a court order. things are — pay the rents. a court order. things are getting _ pay the rents. a court order. things are getting worse - pay the rents. a court order. j things are getting worse and you can hear the worrying in their voices and when we afford to pay the rent we pay food, but come across anything like this before, if i'm honest. life can be very grim at the bottom of the housing ladder. an inquest was shown shocking pictures from inside housing association flat in rochdale. the coroner concluded a young

boy died because of prolonged exposure to mould. 1.6 million people are living in dangerously low quality homes. michael lives in this tiny rundown bedsit in south london. he's been here forfive rundown bedsit in south london. he's been here for five years. one bed, one chair, and a broken toilet. it one bed, one chair, and a broken toilet.— one bed, one chair, and a broken toilet. it is completely moulded off. _ broken toilet. it is completely moulded off. got _ broken toilet. it is completely moulded off. got little - broken toilet. it is completely i moulded off. got little perfume things just to get the smell

the damp away, you know, that's a definite because every time i come here, all i can smell is the damp. come here, at“ can smell is the damp-— the damp. the landlord says there is no _ the damp. the landlord says there is no damp _ the damp. the landlord says there is no damp and - the damp. the landlord says there is no damp and there l there is no damp and there aren't any issues with the flat. how are you? peter from flat. how are you? peterfrom lewisham council. nice to see. can we have an inspection in your rim? the issues here are the damp in the corner. and thatis the damp in the corner. and that is coming from the outside. you can actually feel it. so we've got an open drain and broken guttering so everything is just broken guttering so everything isjust going to broken guttering so everything is just going to have straight

of not be taken away so it's just going to hit and obviously where it is coming through. we are going to need to liaise very closely with the landlords and hopefully we can engage with them and they're going to engage with us and we can get it fixed. the property needs, he can't live like that any further. ~ he can't live like that any further-— he can't live like that any further. ~ . , . ., ., further. we are restricted to a wonder, further. we are restricted to a wonder. like _ further. we are restricted to a wonder, like an _ further. we are restricted to a wonder, like an alleyway. - further. we are restricted to a wonder, like an alleyway. it i further. we are restricted to a wonder, like an alleyway. it isj wonder, like an alleyway. it is like an alley, living in an alley but, yeah, it ain't good so the price for what for, it's not worth the money. you know. the event is a staggering £880 a month. that's more than the uk's average mortgage. it's all paid from housing benefit. you're paying for something that's not even livable. it's like being in a cell, in a police cell, if you wanted to

know. b. police cell, if you wanted to know. �* . police cell, if you wanted to know. . . ., , know. a failure to invest sensibly _ know. a failure to invest sensibly over _ know. a failure to invest sensibly over many, - know. a failure to invest i sensibly over many, many know. a failure to invest - sensibly over many, many years, several _ sensibly over many, many years, several decades now, let us to a position— several decades now, let us to a position where we are paying lots of — a position where we are paying lots of money in housing benefit _ lots of money in housing benefit expenditure over the years — benefit expenditure over the years and that's gone to about £30 billion now. about 8 billion— £30 billion now. about 8 billion or so on average over the last— billion or so on average over the last ten years paying into the last ten years paying into the private sector and we don't -et the private sector and we don't get much — the private sector and we don't get much bang for buck there. the government says it's committed to delivering 300,000 homes a year in england. its capping rent increases in social housing and will legislate to allow private renters to challenge unjustified rent increases. one thing is clear. surviving the uk's housing market is getting tougher with renting or buying, millions of people face a bleak winter. georgina is finally

leaving herflat. she will winter. georgina is finally leaving her flat. she will be paying an extra £170 a month at her new place. paying an extra £170 a month at her new place-— her new place. yeah, definitely lookin: her new place. yeah, definitely looking forward _ her new place. yeah, definitely looking forward to _ her new place. yeah, definitely looking forward to just - her new place. yeah, definitely looking forward to just putting | looking forward to just putting it behind me had a fresh start, really. it is a lot more expensive but it is kind of the nature of the market at the minute. . ~ nature of the market at the minute. . ,, ,, minute. vicki, the nhs midwife, is hoinu minute. vicki, the nhs midwife, is hoping her _ minute. vicki, the nhs midwife, is hoping her house _ minute. vicki, the nhs midwife, is hoping her house sales - is hoping her house sales before her mortgage rises any further. i before her mortgage rises any further. . .. . . further. i accepted there but i was annoyed _ further. i accepted there but i was annoyed at _ further. i accepted there but i was annoyed at first. - further. i accepted there but i was annoyed at first. i - further. i accepted there but i was annoyed at first. i like . further. i accepted there but i was annoyed at first. i like to| was annoyed at first. i like to keep— was annoyed at first. i like to keep the _ was annoyed at first. i like to keep the house. but i'm not in a situation _ keep the house. but i'm not in a situation where i can so i don't — a situation where i can so i don't really think about that. my life — don't really think about that. my life is— don't really think about that. my life is easy her underwear be when _ my life is easy her underwear be when i _ my life is easy her underwear be when i move but, then, you know. — be when i move but, then, you know. i'tt— be when i move but, then, you know, i'lladapt be when i move but, then, you know, i'll adapt and be when i move but, then, you know, i'lladapt and i'll be when i move but, then, you know, i'll adapt and i'll make my life — know, i'll adapt and i'll make my life as— know, i'll adapt and i'll make my life as easy as possible for a meat —

-- for when i'm with. and nhs nurses being — -- for when i'm with. and nhs nurses being evicted _ -- for when i'm with. and nhs nurses being evicted hasn't - nurses being evicted hasn't found anywhere else to live. packing up the family home that has nowhere to go. the packing up the family home that has nowhere to go.— has nowhere to go. the boys were too _ has nowhere to go. the boys were too when _ has nowhere to go. the boys were too when i _ has nowhere to go. the boys were too when i moved - has nowhere to go. the boys were too when i moved in. i were too when i moved in. mateness _ were too when i moved in. maleness was _ were too when i moved in. maleness was for- were too when i moved in. maleness was for so - were too when i moved in. maleness was for so they. were too when i moved in. - maleness was for so they don't remember— maleness was for so they don't remember being— maleness was for so they don't remember being anywhere - maleness was for so they don'tl remember being anywhere else maleness was for so they don't - remember being anywhere else so it is done — remember being anywhere else so it is done to — remember being anywhere else so it is done to makes _ remember being anywhere else so it is done to makes the _ remember being anywhere else so it is done to makes the thought. it is done to makes the thought of them — it is done to makes the thought of them to— it is done to makes the thought of them to their _ it is done to makes the thought of them to their must - it is done to makes the thought of them to their must be - it is done to makes the thought of them to their must be really| of them to their must be really hard _ of them to their must be really hard i— of them to their must be really hard ifett— of them to their must be really hard. i felt like _ of them to their must be really hard. i felt like i— of them to their must be really hard. i felt like i failed - of them to their must be really hard. i felt like i failed not- hard. i felt like i failed not from — hard. i felt like i failed not from a _ hard. i felt like i failed not from a fault _ hard. i felt like i failed not from a fault on _ hard. i felt like i failed not from a fault on my- hard. i felt like i failed not from a fault on my own. . hard. i felt like i failed not| from a fault on my own. i'd done — from a fault on my own. i'd done nothing _ from a fault on my own. i'd done nothing wrong - from a fault on my own. i'd done nothing wrong but. from a fault on my own. i'dj done nothing wrong but it's gone — done nothing wrong but it's gone i_ done nothing wrong but it's gone i can _ done nothing wrong but it's gone i can do— done nothing wrong but it's gone. i can do it. _ done nothing wrong but it's gone. i can do it. can't - done nothing wrong but it'si gone. i can do it. can't keep them — gone. i can do it. can't keep them safe _ gone. i can do it. can't keep them safe with _ gone. i can do it. can't keep them safe with a _ gone. i can do it. can't keep them safe with a roof- gone. i can do it. can't keepi them safe with a roof despite trying — them safe with a roof despite t inc. �* trying. after we filmed the landlord agreed _ trying. after we filmed the landlord agreed they - trying. after we filmed the landlord agreed they could trying. after we filmed the - landlord agreed they could stay for an extra month but the family are still losing their home.

for households struggling. their experiences shared by millions. as the uk faces a winter of worry, many can no longer afford a decent home.