Quite a bit of relevant backstory to this. My parents divorced when I was young and I grew up predominantly with my mum &amp; step-dad, who I am very close to. I see my dad from time to time but I’m not super close him. I also grew up in London (UK) in a medium-nice area and I am 28. 

My mum &amp; step-dad bought our reasonable family home in the late 90s for under £200k. They eventually bought another, smaller house on the English coast thanks to both being quite high earning professionals. In 2014 they sold the family home for nearly £1M and live mortgage-free &amp; retired in their coastal home in their 60s.

My wife and I are thinking about having kids and are currently living in a tiny rented flat in the same part of London to save money. I had a chat about future housing with my mum who implied they would only have £30k they could help us out with. I would guess their current net worth to be around £2M. The only peers of mine who have bought places needed considerable contributions from parents. 

I have politely but firmly kicked off that the reason they can live a luxurious life now (around £90k per year with minimal housing costs) is because the £1M they sold their house for means people of my generation need to find a million to buy the same building. I tried explaining the numbers to my mum of how unbearable even a £400k mortgage would be (70% of post-tax salary on mortgage payments) and she dismissed this as being normal for when you start on the property ladder. 

AITA for being ungrateful with her offer or is my mum the arsehole for not helping me out enough?