Dear saturn V, out of interest are you a exisiting home owner or some one renting and hoping and praying that the property collapses as it has in the US so you can buy.
If you are the latter, can i ask what is your fallback strategy if the property doesnt 'collapse' but rather shows only small falls.
For me, if the market 'collapses', I will purchase more and given the low interest rates lock in positive cashflows situations, where effectively they pay themselves off. If the market rises, I am already in the market so I may build a few to cater to the increased demand. This sounds terrible but, i like others, win each way.
And with inflation, debt stays the same but price of homes goes up.
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