The prospect of working beyond retirement in order to pay off your mortgage is a worrying prospect for a large number of us.
A report has found that 34% of 20 to 45-year-olds expect to still be working to pay off their home loan after they reach the standard retirement age.
Among people in this age group who are already home owners, 28% expect to work beyond retirement to become mortgage-free. But among those who are not yet on the property ladder, the figure is higher, with 39% believing they will be working later in life to pay for their property.
The survey from Halifax was among people who are already on the property ladder. One in 12 (8%) people across the survey expect to be paying their mortgage throughout their life.
And more than half (51%) of those surveyed are worried that paying their mortgage will hamper their ability to save for retirement.
The Generation Rent report found high property prices are perceived by people not yet on the property ladder as an increasingly large barrier to home ownership, with 60% of people saying this is an issue compared with 52% when similar research was conducted in 2011.
Halifax said the average price of a first property has leapt by nearly £62,000 since 2010 - from £134,889 to £196,801.
One in three (30%) potential first-time buyers said they will not let expectations that house prices will continue rising change their plans to purchase a property.
Among aspiring first-time buyers, buying with a partner is the measure most likely to be considered to make home owning more affordable, with 49% of those surveyed willing to consider doing this.
More than 8,000 people aged up to 45 years old were surveyed for the research.