How will falling house prices affect you?

After what's been a confusing and turbulent few years for the housing market, prices are now in a definite decline, thanks to higher mortgage rates.

And they’re falling at the fastest rate in nearly 14 years. But, for many first-time buyers they’re still very much out of reach.

So, how can you still climb the housing ladder? And are we on the way to a house price crash?

ITV News Business and Economics Editor Joel Hills tells Faye Barker what you need to know...