Because the average
salary for a woman still lags behind men's (the American Association of University Women says women earn 82 cents for every dollar a man makes one year after graduation) and lenders favor two - income households
over single earners, Lautz says women are «making the most
sacrifices to get into a home, but they're still placing a high value on owning a home of their own.»
If Marcie's # 225 earnings are derived from being on or near the minimum wage, then there is a double hit for her because she also can not
salary sacrifice to save 12 per cent National Insurance, if such an arrangement would take her pay below the level of the applicable minimum wage rate (# 7.83 per hour in 2018/19 for those aged 25 and
over).3 Anne Fairpo said: «One of the concerns about allowing the lowest earners to
sacrifice salary has been the risk of their pay dropping below the point at which entitlement to contributory benefits is triggered (the Lower Earnings Limit - # 116 per week in 2018/19).