“Living in London, property is so expensive that I felt I didn’t really have a choice,” explains Georgia. “No mortgage lender would lend me enough to buy a place I wanted to live in, even though I felt that, by cutting back on holidays and things like that, I could manage the repayments on a larger mortgage.”

She took out a guarantor mortgage. The mortgage lender would expect her father to meet her monthly mortgage payment if Georgia failed to do so, and could potentially repossess her father’s home if her father could not pay off Georgia’s mortgage debt.

But Georgia is confident this situation would never develop. “I would not allow my dad to pay my mortgage, even though he could afford it,” she says. “I’ve got a steady job and income protection insurance so, if the worst comes to the worst and I lose my job, my mortgage is covered.”