Updated on August 23, 2016

Screaming out from the front page of yesterday morning’s Metro (April 14) was the headline “£64k salary To Buy First Home”. A quick online tour revealed the same story in most of the nationals, with equally incendiary headlines, heaping doom upon gloom.

The story originated from a Santander report that was picked up and highlighted by the homeless charity Shelter. While rising house prices outstripping wage increases, combined with lack of supply are undoubtedly major concerns (that Shelter are quite right to shout about) – we just wanted to put in a word for the target of these headlines - the millennial generation who are being told at every turn to abandon all hope of owning a house.

Of course getting on the property ladder isn’t easy, but it can be done. Those that want to get there must focus on the things they can control, and not let the media drown the ambition of home ownership with noise about the things they can’t – interest rates or house prices.

Whatever happens on a national and political level, various Government Help to Buy schemes exist, and they can reduce the level of a required house deposit to 5%.

On top of that, if you save for your deposit using the government Help to Buy ISA and save 4%, the government will throw in the remaining 1% - for free!

It's really important to remember that the bonus cannot be used for your initial deposit, and can only be spent as part of the purchase cost (such as mortgage payments) once the deal is finalised.

A 4% deposit on an average first-time property of £220,000 is £8,800. Adding in the costs associated with buying a house (stamp duty, legal fees, etc), you need roughly £12,000 for a ticket onto the property ladder.

That’s still a lot of money. Not insurmountable for a lucky few, but the other assumption that yesterday’s press made was that buyers are individual, not a couple or a couple of mates.

Two people on the average national wage (£27,600) who divide everything by two, take advantage of all the allowances available, manage their money intelligently and stay motivated, can potentially be opening the door on their new build house in two years.

As they say, Rome wasn’t built in a day and it took a hell of a lot longer than two years. So keep the faith.

Here’s how it can be done:

Cost of a ticket