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Average wages haven't gone up by 25% since 2020, and I doubt people have been getting 25% returns on cash held over that period.
Housing affordability is lower than at any time pre-2020.
https://www.ons.gov.uk/peoplepopulationandcommunity/housing/bulletins/housingaffordabilityinenglandandwales/2022
That may be true, but affordability is a different matter from whether house prices are rising.