Toby Buckby, 27, rented a one-bedroom flat alone for three years and loved the independence it gave him. But there was a big problem.

“I just found that my savings were zero. I couldn’t save,” he told The i Paper. “It’s like, I’m never going to get on the property ladder if I keep going like this.”

Renting came with limitations: his landlord wouldn’t let him own a pet and he couldn’t put any frames up on the walls.

Shorts

After undergoing knee surgery, he moved in with his grandparents. It was supposed to be temporary, but he realised he had stumbled upon the solution to his savings woes.