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By Sophie Smith personal finance reporter

Are you keeping up with the Joneses? Not just in terms of the car on your drive or the clothes on your back, but the amount of your home you own?

Homeowners are being saddled with debt in later life, with new research showing that it is not until the age of 56 that most people start to achieve mortgage freedom.

Reporter Adam Williams dives into the data to reveal how much of your mortgage you should have paid off in your 30s, 40s, and 50s.

Despite a stagnant housing market, Britain's love affair with property continues unabated. But, as reporter Laura Miller explains, there are only three scenarios where it makes sense to use pension money to invest in bricks and mortar.

And the birth of the latest royal baby had Lauren Davidson despairing at the complexity of the state's financial support system for those of more modest means.

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You have the last word...

David HHH said about How landlords can escape the 100pc buy-to-let tax squeeze: "Seems they are trying to shut down a way that people can invest their own money in real assets giving a good rate of return. The alternatives, as The Telegraph suggests, are property investment funds and other managed funds where a major part of any increase in asset value goes to pay the financial companies, fund managers and investment platforms, not to the people whose money is actually invested."

Mark Ryan said about Giving birth is the easy bit. Try claiming the childcare perks you're entitled to: "When the increase in population is endangering the future of mankind as a whole and every other living thing on the planet we shouldn't be subsiding children at all."

Chris Kenny said about Energy price cap an 'official licence to hike prices' after 148m of increases: "I am not sure that there should be a cap. If I chose to buy beer at 5 a pint instead of buying the same beer in the pub next door for 4 a pint, it's my stupid fault. It's not up to the landlord to sell me a cheaper beer, or tell me to go next door."

Contact us: to pose a question to our team of expert reporters, email moneyexpert@telegraph.co.uk. If you'd like a free financial plan, email money@telegraph.co.uk with the subject 'Give me a Money Makeover'.

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