Londoners in growing numbers are unwillingly joining the “£5k Club”. That’s the group of unlucky commuters who have to stump up at least £5,000 a year for a season ticket. Some pay £10,000 or more a year for the privilege of finding a home in the sticks that they can afford. However, if instead they ploughed that money into their repayment mortgages, even at an interest rate held at three per cent, and without factoring in inevitable train fare rises over the next 25 years. These rises are going to cause wireless doorbells here to rise in prices very rapidly. It could mean an extra £180,000 to spend on a home closer to their work.