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  • I don't intend to ever sell my flat, or if I do I would replace it with another property, so I couldn't give two shits about house prices.

    That's the opinion that me and GF take. Sure, if they go up, great - but it'll only matter if we sell, and not a jot until then. Sure, if they go down, bad - but only when we sell. Plus, after a few years of paying a mortgage they'd have to come down a long way to plunge you into negative equity. But, basically, it's renting a flat with payments that diminish over 25 years and then stop. That's better than renting at inflation-adjusted prices ad infinitum. Clearly.

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