You're about to listen to a BBC podcast, but this is about something else you might enjoy.

My name's Katie Lecky and I'm an assistant commissioner for on demand music on BBC Sounds.

The BBC has an incredible musical heritage and culture and as a music lover, I love being part of that.

With music on sounds, we offer collections and mixes for everything, from workouts to

helping you nod off, boogie in your kitchen, or even just a moment of calm. And they're all put

together by people who know their stuff. So if you want some expertly curated music in your life,

check out BBC Sounds. BBC Sounds, music, radio, podcasts. Welcome to the download of

Moneybox Live, the program about your money. And today it's all about first-time buyers, your

experiences and advice on getting onto the property ladder. Good afternoon. Today is all about first-time buyers.

In the spring statement last week, the Chancellor claimed government help

had restored the dream of home ownership to millions of young people.

370,000 people bought their first home last year with a mortgage

the highest number in over a decade.

And more new homes were built in 2018 than at any time in the last 31 years.

And Philip Hammond asserted that it's his government policies that have helped those young adults get their first foot on the housing ladder.

But not all agree.

26-year-old Rubin Young is director of Priced Out, an affordable housing campaign group.

There's all of this absurd debate about, you know, smashed avocados and going out too much is the cause of

millennials not being able to get on the housing ladder. It couldn't be further from the truth.

We have less opportunity than our parents did through just being born at a different time when house prices had already increased. We have an absurd housing crisis. Homes are frequently,

many, many times people's salaries. The house prices are too high, rents are too high. We need to

build way more homes

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