Everyone dreams of owning their very own house with or without the white picket fence. And to achieve that dream all it takes is taking a mortgage on a property with a loan from a financial institution. But is it really that easy? People who dream of paying off their mortgage face the prospect of still being in debt well into their retirement. Official figures show there are more than 320,000 people aged over-65 who are NOT living mortgage-free. This number has risen by 20 per cent in two years, and with house prices soaring there are fears many of those struggling to get on to the property today might never clear their debts. So is it really worth it?