As you can see, this other property debt is even more likely to be held by high-income earners than owner-occupier debt is. The pattern of rising ownership rates for older age groups does not give everyone comfort that most people will be able to afford a home eventually.
People worry that it is becoming harder to achieve home ownership at a given life stage than it used to be. This would be an issue of inequality across cohorts. It is true that home ownership rates have fallen for most age groups over time (Graph 5). The overall ownership rate has stayed fairly steady because the population is ageing.