But also as a general rule places don't let you spend over 30% of your income in rent, 60K that you mentioned for a couple is £4186 per month, so the maximum rent of that hypothetical person is £1256. Which wouldn't also allow you to rent a house like the one you showed, so it's pointless. The house where a couple that earns 60k lives can absolutely be bought for close to 1 million (if not less). Whoever is living in a 4 bedroom house like the one you pointed out earns a lot more than 60k and so they can finance the rest.