Fresh concerns have been raised for the "clipped wing generation" of young people aspiring to get on the property ladder, as official figures show the typical starter home is 13.5% more expensive than it was a year ago.

The average price paid for a first-time buyer home in July this year was £209,000, according to t he Office for National Statistics (ONS).

The rising cost of a starter home over the year to July is the biggest annual increase recorded since March 2005.

Figures released by the Council of Mortgage Lenders (CML) last week showed that the number of mortgages handed out to first-time buyers passed 30,000 in July, marking the first time this has happened during a one-month period since August 2007.

But first-time buyers are typically having to borrow record amounts to get on the property ladder, with the average size of a new loan taken out by this sector standing at £127,500 in July, according to the CML's data.

The current low interest rate environment is helping to keep borrowing costs down, but home owners have been warned to start thinking now about how they will cope with the prospect of higher payments when the Bank of England base rate eventually starts to move off its historic 0.5% low.

The CML's figures show that first-time buyers are typically paying 19.6% of their gross income on their mortgage repayments, which is significantly less than a recent peak of 24.8% in December 2007.

Shelter's chief executive, Campbell Robb, said: "This shocking rise in house prices leaves even more people priced out of a stable home.

"The dream of their own home is slipping so far out of reach for young people and families across the country, the only choice they face is to become part of the 'clipped wing generation' stuck living in their childhood bedrooms, or 'generation rent' paying out dead money to landlords."