Panorama investigates the government's shared-ownership scheme, designed to get more people on the property ladder, but leaving some with escalating costs and huge debts.

The UK's weather is getting wilder. This year has been a record breaker, with unprecedented rainfall, sunshine and sustained high temperatures. It's a sign that climate change is already happening in the UK – and it's going to get worse. Justin Rowlatt visits communities around Britain battered by this year's extreme weather to find out how they have coped. With access to Met Office data and experts explaining how hot and wet every part of the UK could become, he discovers a future of more heatwaves, intense storms and little snow for most of us, and asks whether we are ready for the even wilder weather that is coming.