Indeed, as an example the house I was bought up in Oxfordshire, my old man bought it off his employer in the early 70's for £4k, using an interest free mortgage obtained from the local council which was from recollection about £8 a month repayment! When we sold in in 2001 it went for about £160k and is now if Zoopla are to be believed worth about £330k!
I guess the villainous wanker here is Adam Smith.