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The funny thing is, I have almost the opposite view in my own universe. Shares and gold and stuff are borderline pointless to buy into without large amounts cash. Renting is extremely expensive compared to buying. Owning an investment property (from my experience with only two houses) is a 20%+...

They'll just reduce what you can get loans for. Unit loans. Caravan loans. Back seat of car loans. Cardboard box loans ...