"Wonder how many clowns have really done their sums when they borrow (I must say I never borrowed apart from for my first home many many many years ago)."
Well that says it all really doesn't it - no wonder you are scared of borrowing. It is a useful tool to build wealth nothing more nothing less!
"Looks pretty scary even when IGNORING a house price crash."
Yet more scaremongering - nothing scary at all in that!
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