 So much for the past 10 years: what will the next decade bring? Here are our predictions - to see if we were right, make sure to check Home on September 12, 2021.  ? after a wobbly year or so, house prices will recover. The Centre for Economics and Business Research predicts a rise of 14% by 2015 - to an all-time high - because of the continued failure to build enough homes. This will be less than the rate of inflation, however, leaving property cheaper in real terms.  ? Getting onto the housing ladder will be a challenge unless banks relax their lending criteria. The National Housing Federation predicts that the proportion of people in England living in owneroccupied homes will fall to 63.8% by 2021 (from a peak of 72.5% in 2001).  ? Sustainability will continue to be the watchword, although there are signs that the government's requirement that all new homes built from 2016 should be "zero carbon" will be watered down.  ? Those building or refurbishing their own homes will maintain their enthusiasm for fancy green kit, although the government will be obliged to scale back the subsidies it pays for home-energy generation by reducing the levels of "feed-in tariffs". With concerns about climate change and fewer pesticides on the garden-centre shelves, our gardens will be greener, too.  answers How close were you? Here are the prices at which our four houses were on the market in September 2001: Norfolk: ?195,000 London: ?1.795m Cornwall: ?205,000 Cotswolds: ?225,000