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Pete I agree with you that clearance rates can be misleading. They actually have no bearing on my thoughts on the market at all and they don't form part of my decision on where we are in the market. However, the negative articles starting to appear have started me getting interested again...

I think people have trouble making their repayments because when they purchase their home, they are not brutally honest with themselves about their living costs. They get carried away with all the excitment of buying a home and inconsequential details like loan manageability go out the window...