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For many young people, owning a house is an unattainable dream, or one that they aren’t planning to think about for many years. Is it as difficult as it’s made out to be?

Bea sits down with Dilpreet Bhagrath, a mortgage expert at online mortgage broker Trussle, who are on a mission to ‘make mortgages fairer’. She walks us through the process of buying a house, from what a mortgage actually is to who to approach for help to how to choose the best mortgage for you. She also explained how the mortgage process might differ for the self employed, and the steps Trussle are taking to try and make the mortgage industry fairer.

Bea also heard the experiences of Ally and Ashley, two young people who have managed to do the seemingly impossible and buy property. They explained the methods they used, such as a remote mortgage broker or the Help To Buy scheme, and gave their tips to other young people hoping to follow in their footsteps.

For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline.

You can join the conversation with the hashtag #Money101Pod. Dilpreet is on Twitter @DBhagrath, Ally is @allymccrae and Bea is @beaduncan_. Ashley can be found on Instagram @moneymedics.

The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for Â鶹Éç Sounds.