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Hmmm... So, if I take a 95% deposit on a house to a bank with an OK income, they won't allow me to buy a property that's "house price" was 30 times my income? I don't think so. Once again, you presume 100% lend. Everyone always forgets the equity position or the fact that most trade-up...

Hi Guys, Gee, that reads like something I (or Shadow or a couple of others) might have written, and we all know what happens when we mount these sorts of arguments. Lets see which ones I know that I've wheeled out before only to be torn to shreds by the doom and gloom crowd: 1. Its...