What a nasty, smug, arrogant and downright scathing OP.
It is NEVER as simple as saying "I earn £xxx and I got a mortgage, so why can't others" - the insinuation being that those who haven't must therefore be thick / stupid / lazy /feckless.
Real affordability isn't about the salary on your payslip and the income multiples allowed by the mortgage lender. Instead, it's about the infinite array of different circumstances different people find themselves in, which mean that couple A on £25,000 can afford to do something while couple B on the same income can't ........
..... for example, Couple A may be fortunate enough to have no children, or, free family childcare in the same town. They may be lucky enough to have minimal (or even none at all) commuting costs. They may have scrimped and saved for a deposit, but apart from living frugally had no other call on their disposable income while they were saving. They may be due an inheritance within their mortgage term meaning they felt reasonably safe in taking a cheaper, interest only loan. They might live in an area well served by public transport, meaning a car isn't a necessity. They might live in an area with a lot of amenities right on the doorstep. They might have a variety of supermarkets within easy reach, meaning they can shop around for the cheapest food bills. I could go on and on .....
Couple B, meanwhile, ostensibly "the same", have to find £100s a month just to get to work. They have to pay childcare as they fall just outside the limit for tax credit help. They may have to pay child maintenance as this is a 2nd marriage. They might still be paying debts accrued when one or both was out of work and/or ill. They have to run a car, because they live in the middle of nowhere and/or there isn't public transport to take them to work and/or they work anti social hours. They may be forced to do all their shopping in one large supermarket because the next nearest is a 25 mile round trip. They can't save for a deposit because they've had student loans to repay, or train tickets to work etc etc. You get the picture ........
If getting on the "ladder" were really that easy, the vast majority of people would - of that I am sure. No-one is going to piss away all their disposable income if there was a real possibility of them buying a house provided they spent only on absolute necessities for a few years. For a huge number of people, the money spent on holidays, the hi-fi, the meals out and so on would NEVER be enough to buy anything now (or the deposit), let alone somewhere suitable for a family. Indeed, there are significant numbers of families who, though they are lucky enough to have something they will one day own, are totally trapped in overcrowded homes because, except for the comparatively lucky few, moving up the "ladder" no longer exists - for the simple reason that property price rises have increased far above and beyond salary increases.
The attitude of the OP here is incredibly cruel and thoughtless. She should be counting her blessings, not sneering at those who'll never be in her position.