How? There’s a family budget. You subtract increasing costs for food, clothing, public transport, and whats left gets used for a mortgage. So unless pay goes up you cant afford a mortgage. Traditionally the government and banks would make loans cheaper. But the interest rate is also going up. The british government is talking about multi generational loans but to me thats just crazy. We really need to solve it by making housing more affordable.

Real estate is an asset. The price of assets increases when there's inflation. I'm not so sure you pay for things in the order listed. You probably can do without new clothes longer than you can go without shelter.

Ideally, but many folks prefer that over a mortgage, and instead pay rents.

Rents are inflating almost as fast.