We're fortunate to be in Glasgow - and that ds was eventually sensible enough to adjust his expectations from a tenement flat in a sought after familiar area to an ex-council house flat just outwith but still walkable the area he wanted. He wanted/needed a 2 bed flat as his girlfriend was going to move in with him (but sensibly is not on the mortgage) but he works from home so needed a 2nd bedroom to be a home office. It was "only" £116k
- and we "only" helped him with £8k of that (or rather, his grandfather was supposed to help with half of that but most inconsiderately died the day after he rang his financial advisor to begin the process of getting the money out
) (to be fair on ds, he did pay us back the "extra" £4k). I think his mortgage is about £90k - whatever the maximum that Halifax said he could get given his salary and outgoings.
But if you live in the South East or any more expensive area, people don't have a snowball's chance in hell 