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Grant Shapps: "People are living at home, often into their 30s, I think it's not right, it's not fair"
A scheme designed to make it easier to get a mortgage will start from next week, the Conservatives have said, as their party conference opens.
The second phase of Help to Buy, which allows people in England to get 95% mortgages, was due to start in January.
Shadow chancellor Ed Balls said David Cameron should bring forward investment to build more affordable homes instead.
The Conservatives will also announce a crackdown on police giving cautions for serious criminal offences.
Housing ladderThe Help to Buy initiative aims to make it easier to afford a deposit for a property.
The government will guarantee 15% of a mortgage, allowing lenders to provide up to 95% mortgages at reduced risk.
In an interview in the Sun on Sunday, the prime minister said he was eager to get young people on the housing ladder.
Mr Cameron said: "The need is now. I have always wanted this to come in and frankly the earlier the better.
"What concerns me is that you can't buy a house or a flat even if you are doing OK, you have got decent job prospects and good earnings.
"I am not prepared to be a prime minister of a country with caps on aspiration."
Affordable homesEnd Quote David CameronI am not prepared to be a prime minister of a country with caps on aspiration"
Responding to the announcement, Labour's Ed Balls said: "Rising demand for housing must be matched with rising supply, but under this government house building is at its lowest level since the 1920s.
"Unless David Cameron acts now to build more affordable homes, as Labour has urged, then soaring prices risk making it even harder for first time buyers to get on the housing ladder.
"You can't deal with the cost of living crisis without building more homes, so it's no wonder that for millions of families this is no recovery at all."
But Conservative Party chairman Grant Shapps defended the scheme.
"Lot's of people who say 'oh, we shouldn't be doing this', are people who've got a house, got a mortgage, sometimes they've paid off the mortgage," he said.
"This generation is staying living with their parents into their 30s because they can't get access to exactly the same kind of mortgages that have always been available and have operated for decades, which is where you can borrow 90 or 95% in order to buy a house."
Elsewhere, new guidelines to be announced at the conference in Manchester will scrap the giving of police cautions for rape, manslaughter, robbery, child sexual abuse and other serious offences.
The Tories said the move would stop offenders who commit such crimes ending up "with just a slap on the wrist"
In other developments:
- Defence Secretary Philip Hammond, who will address the conference on Sunday, appealed for IT experts to join up as military reservists to help protect the UK's computer networks from cyber attack
- Conservative leader in Scotland, Ruth Davidson, will use a fringe meeting to call for greater choice in the Scottish education system to end the "monopoly of mediocrity too many face"
- Tens of thousands of people are expected to attend a trade union protests march and rally in Manchester against government austerity policies, particularly those affecting the NHS
- A poll of more than 1,400 Conservative councillors in England and Wales for BBC One's Sunday Politics suggested nearly a quarter would support an electoral pact with the UK Independence Party (Ukip) at the next general election
A Tory source said: "80% of our councillors didn't respond to this survey so it's hardly representative. It should be taken with a large pinch of salt."
In an interview with the Sunday Telegraph, Mr Cameron insisted he was "not chasing off to the right".
"I'm very firmly anchored where I have always been," he said. "Yes, I want to win back voters from UKIP."
Swing votersMeanwhile, proposals for tax breaks for some married couples and civil partners have come under attack from both Labour and the Liberal Democrats.
Mr Cameron said introducing tax breaks would mean four million married couples and civil partnerships - those paying lower tax rates - could be up to £200 a year better off from April 2015.
Defence Secretary Philip Hammond also announced plans to offer interest-free home loans to armed forces personnel.
Other policy announcements are set to include a crackdown on welfare payments and an expansion of free schools.
On the eve of the conference, BBC political correspondent Iain Watson said the Tories would be trying to convince swing voters that they should be the party of choice for hard-working families.
The conference will open on Sunday with a tribute to former Prime Minster Baroness Thatcher, who died aged 87 in April, and close with Mr Cameron's keynote speech on Wednesday.
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