A record low of first time buyers sets a "very worrying trend," FPD Savills has warned. Affordability, demographics and social change have led to a situation that could fuel a slowdown in house price growth in the medium term. "Affordability is the main issue for FTBs," said Savills head of research Richard Donnell. "In some regions they are having to spend as much as 37% of their income on mortgage payments. Those taking 95% loans are in an even worse predicament." The situation looks set to continue, said the property consultant.