i think thats partly why it hasn't moved, playing it safe.
would be surprised if the movement of the allords over the past few years was anywhere near the real rate (more essential stuff, not the doctored numbers of the CPI) of inflation.
Most people are in debt up to their balls, working their rings off; and organizations that "release the equity from houses" are siphoning the future wealth of the country.
Then we have the issue of lifetime loans.
the market may be ok for a few years yet, but after that the shirt will hit the fanny - when the chickens come home to roast.
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