The Kate Middleton topless photos are the grossest invasion of privacy

If you buy into the worst kind of paparazzi antics, you are throwing away your own privacy too.

The royal boobs have apparently been seen. It might seem comical, or silly, or daft, a discussion that prompts sniggering and adolescent chortles. But with every fresh photo set there's a testing of boundaries going on and a new stripping away of privacy - not just of celebrities, but of all of us.

I haven't seen the photos. Why would I want to? Many media commentators have begun their discussion with a sadfaced confession: Yes, I have seen the royal breasts, I forced myself through professional necessity to look at them, like a surgeon inspecting a bundle of diseased organs.

Well no, not me. I have no interest in seeing sneaked photos of someone in private - the photographs of Kate were apparently taken while she and William were on holiday at Viscount Linley's chateau in France. Now, I don't go round on Weston Beach, say, gawping at other people's bodies, so why should I do so at home? If someone wants to walk around in their pants, so what? It's no business of mine. Let them live their lives.

Imagine walking around with a normal pocket camera, asking to take photos of someone on the beach. You wouldn't. Because you'd feel like a pervert. Because you would be. Add on a long lens and a hide, though, and suddenly this behaviour somehow becomes acceptable - acceptable enough for a magazine to pay for your dirty photos.

It's a slightly different situation from the Prince Harry pictures. He, the dozy fool, was mucking about in a Las Vegas suite the size of Blackpool, and got snapped by an onlooker. He, the buffoon (sorry, I mean the Brave Boy Battling the Taliban, having entirely coincidentally gone on a PR-boosting tour of duty since) may have been in a private space, but wasn't exactly acting in a way that didn't attract attention.

Kate, on the other hand, is not being drunk, not partying, not mucking about, but just standing there, I'm led to believe. What justification can there be for that? We all know human beings have holidays. This Kate incident has all the nasty hallmarks of the worst excesses of the paparazzi: the sneaking in bushes, the enormous long lenses, the grainy photos, the popular trashy press lapping it up.

Lapped up in France, at least. Closer magazine proudly declared that William and Kate were alone on a romantic holiday: "Well, almost. Closer was there!" Can you imagine a British magazine using such a jolly tone, post Diana?

In Britain, the dead-tree press have voluntarily agreed not to print photos of Kate other than at public engagements - not as a sop to the chilling effects of nasty Brian Leveson, by the way, but to keep things sweet with Buckingham Palace. So this is another example of national borders and old media being pretty meaningless when it comes to breaking stories.

For once, our press will be doing the right thing, though not just because it's the right thing to do. There's no public interest. There is no value other than curiosity and prurience. There is no reason for anyone to see those photos, which are a huge violation of privacy.

But how many of us are going to have a sneaky look at the photos? That's the telling factor. Searches for "Kate Middleton t*pless photos" are probably soaring into the stratosphere as I write this. People want to see. How soon before the lines get blurred again between "things people want to see" and "things which are genuinely in the public interest"? We may all claim the moral high ground, but how many of us can resist the temptation?

Royal flesh makes money. From Prince Charles's cock to Harry's bum and Kate's boobs, it seems we think we're entitled to a piece of them. I've written before about the expectations placed upon Kate, as the uterus on legs, with the maiden-aunt nation demanding she become pregnant immediately.

I don't think we are, because they're just people. Massively wealthy, privileged people, but people. So what if they have bodies, like every other person in the world? They don't belong to us.

One day it's Kate, the next it might be you with a lens hidden half a mile away taking pictures of what you're up to. If you buy into the celebrity photos, you're throwing away your own privacy.

A nice, non-invasive, picture of the Duchess of Cambridge. Photograph: Getty Images
Patrolling the murkier waters of the mainstream media
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I was wrong about Help to Buy - but I'm still glad it's gone

As a mortgage journalist in 2013, I was deeply sceptical of the guarantee scheme. 

If you just read the headlines about Help to Buy, you could be under the impression that Theresa May has just axed an important scheme for first-time buyers. If you're on the left, you might conclude that she is on a mission to make life worse for ordinary working people. If you just enjoy blue-on-blue action, it's a swipe at the Chancellor she sacked, George Osborne.

Except it's none of those things. Help to Buy mortgage guarantee scheme is a policy that actually worked pretty well - despite the concerns of financial journalists including me - and has served its purpose.

When Osborne first announced Help to Buy in 2013, it was controversial. Mortgage journalists, such as I was at the time, were still mopping up news from the financial crisis. We were still writing up reports about the toxic loan books that had brought the banks crashing down. The idea of the Government promising to bail out mortgage borrowers seemed the height of recklessness.

But the Government always intended Help to Buy mortgage guarantee to act as a stimulus, not a long-term solution. From the beginning, it had an end date - 31 December 2016. The idea was to encourage big banks to start lending again.

So far, the record of Help to Buy has been pretty good. A first-time buyer in 2013 with a 5 per cent deposit had 56 mortgage products to choose from - not much when you consider some of those products would have been ridiculously expensive or would come with many strings attached. By 2016, according to Moneyfacts, first-time buyers had 271 products to choose from, nearly a five-fold increase

Over the same period, financial regulators have introduced much tougher mortgage affordability rules. First-time buyers can be expected to be interrogated about their income, their little luxuries and how they would cope if interest rates rose (contrary to our expectations in 2013, the Bank of England base rate has actually fallen). 

A criticism that still rings true, however, is that the mortgage guarantee scheme only helps boost demand for properties, while doing nothing about the lack of housing supply. Unlike its sister scheme, the Help to Buy equity loan scheme, there is no incentive for property companies to build more homes. According to FullFact, there were just 112,000 homes being built in England and Wales in 2010. By 2015, that had increased, but only to a mere 149,000.

This lack of supply helps to prop up house prices - one of the factors making it so difficult to get on the housing ladder in the first place. In July, the average house price in England was £233,000. This means a first-time buyer with a 5 per cent deposit of £11,650 would still need to be earning nearly £50,000 to meet most mortgage affordability criteria. In other words, the Help to Buy mortgage guarantee is targeted squarely at the middle class.

The Government plans to maintain the Help to Buy equity loan scheme, which is restricted to new builds, and the Help to Buy ISA, which rewards savers at a time of low interest rates. As for Help to Buy mortgage guarantee, the scheme may be dead, but so long as high street banks are offering 95 per cent mortgages, its effects are still with us.