When will it dawn on people that there is no "housing ladder" any more. It was simply an illusion created by high inflation in the 1980s.
If you can afford a house costing £200,000 today, why do you assume that you can afford a bigger one selling for £275,000 in a few years' time ? This makes the assumptions that your income has increased significantly or, you have had a windfall of some sort. After all, if your salary has remained the same (keeping pace with inflation taken as a given) how can you suddenly afford more ?