A BBC news item I just saw on TV lamented the lack of affordable housing, particularly in London & the Southeast, but it still used the term "housing ladder". According to our crackpot system, housing has to be lower in price so that people can afford it, but once you've nought somewhere, the price is expected to go up - the housing ladder - as your "investment" pays off.
It's so self contradictory as to be laughable. Apart from anything else, your house is falling down - entropy - so how can it be increasing in value over time. OK you can improve an maintain it, to help it hold its true value, or lose it less quickly, but most house price rise is simply inflationary.