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You probably should read PB's post again.

Quite possibly. Just not my style. And I don't want to come across as not having an accumlative streak. I have my fair share of stuff and expenditure that others might find excessive. I'm just not prepared to create significant obligations to the rest of the world or place pressure on me...

Not any more. Sold down everything in 06, purely because the whole purpose of my investments (shares and a couple of accidental inv. properties) was to get back to a debt-free existence. I've never rented,paid off my first PPOR before I was 30 and enjoyed the debt-free vibe. Travelled with my...

Ibid................

Defensive much? Fujitsu/JP Morgan don't have an agenda. Martin North has been consulting to the mortgage industry for years (I know because I've used him) and he and the boys make their money by being accurate and relevant rather than having a vested interest in a given outcome. I put this...

Summary here

Fujitsu/JP Morgan's latest review of the mortgage market might be worth a look (will find the link shortly).