Families are failing to qualify for the same mortgage than couples without children despite identical earnings.
Banks are creating problems for families by only approving small mortgages.
Mortgage lenders have reduced the amount that families can borrow under tighter affordability criteria.
The move means that couples without children can borrow more than families with children even though they may bring in the same amount of earnings each month.
Some banks have reduced the amount that they lend out to families by 10% with others implementing a reduction of nearly 20%.