The Money Programme this week takes a special look at  how the drastic shake-up in the mortgage market has affected home-owners and first-time buyers keen to get on the property ladder.

In the first of three programmes, Max Flint speaks with householders and prospective property buyers to find out if their plans for purchasing or moving have changed and whether cutbacks have had to be made.

But is this downturn a temporary setback or the shape of things to come?

NB: 7.30pm IN SCOTLAND