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@JWestland
I have some sympathy for not paying tax, because some of it gets pissed away on Trident (special relationship with the USA eh?), wars, Brexit leaflets... tax increases may be better selleable if they come with more oversight by us minions and clear improvements, as in, you pay X more and we aim to have Y fewer homeless people, or suchlike.
Meanwhile, I always got told mortage/rent etc. should not be more than 1/3rd your after tax income. Which means that realistically very few people can buy a house these days.
So you then end up having to borrow more, which maybe you should not do, but banks will give the mortgage anyway.