Have we just got to the point where anyone with a decent relationship with their parents that means that they help them out sometimes is now a "nepo baby".

My parents lent me money for my mortgage deposit but I paid it back to them in installments alongside the mortgage. They only did that as I'd shown over thirty years of life I can be trusted with money and wouldn't flake on the repayments to them, not because we're rich.

Calling it nepotism for home buying is just sour. I dont know what kind of money bags is putting 20%+ on a first time buyers home but if they can do it then id rather that then sone fucking chinese pool landlord barrons that own 5000 houses accross the country to leave empty.

This isn't "nepotism" and trying to conflate everything with "nepotism" is really just providing cover for Capitalism. Having rich parents is a thing that will always occur. Parents that are able to provide you with more support is not the issue here. The issue is that Capitalism has made it where without more support, the average person cannot afford a home.