It sounds like there is a power imbalance that would make it unethical yes.

You missed a call

Stop posting religious propaganda, please

Looking at OPs username it doesn’t seem likely they will

Most of my friends own a house now, but almost everyone stil had a mortgage to pay. This is the Netherlands. Some of them bought their house during the banking crisis of 2008-2012 when houses were relatively cheap. Others who more recently bought their house have moved to smaller villages with lower prices.