Life is tough for first-time buyers. House prices were already expensive before the coronavirus lockdowns and defying all logic a mini-boom has sent the average house price up £20,000 further over the past year. At the same time mortgage lenders have indulged in a flight to safety, canning the vast majority of 95% loan-to-value mortgages and bumping up the gap between rates on 90 per cent mortgages and those for borrowers with more equity. 'Once more into the breach' has stepped the Government, with taxpayer aid for banks and building societies to offer more 5% deposit mortgages. But is this a wise move? Should we stop meddling in the mortgage and property market, as short-term assistance ends up meaning long-term pain as more credit is extended and house prices climb ever higher? And could it be that while the 95% mortgage push is the wrong move at the national economic level, on a personal level taking one might prove a good move for some, who could end up paying less than they do in rent? Georgie Frost, Lee Boyce and Simon Lambert discuss the 95% mortgages, the rise in house prices and whether buy-to-let is still a good investment. Also this week, the lowdown on the Barclaycard customer service meltdown as long-standing customers see their credit limits slashed. And finally, you want a shed-office (aka a shoffice) to work in down the bottom of the garden, but can you power it with solar panels?