The slump in the housing market has left more than a million homeowners victims of negative equity. Young families who bought in the boom now owe thousands in housing debt, and Britain's housebuilders say the Tory home-owning dream has turned into a nightmare. How did it go so wrong, and will your house ever recover its value again? Vivian White reports.

(Note: because Panorama is a topical programme and likely to react of events in the news, the above programme is liable to change.)