a new report today. the institute for fiscal studies say house prices have risen by 173% in two decades, far outstripping growth in pay. here's our personal finance correspondent simon gompertz. every home has an owner, but often now, it's someone older renting to young tenants, who can't afford to buy. in her 20s is florence, who lives in reading and feels she's effectively been shut out from purchasing a home. i don't think i'll ever be able to get on the housing ladder based on my own income and my own salary without the help of parents or my partner, because of the area of the country that i want to live in. these house prices are just driving up and up and rental prices are driving up and up. one idea the chancellor may be considering for his budget is to make it easier for tenants to buy the homes they're renting by giving them some of the capital gains tax, which the owner should have to pay on selling and refunding