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Not everywhere up north is deprived .

I doubt whether anyone would move from Brighton to a deprived northern town , not out of choice anyway .

I thought the whole point of mortgage approval nowadays is to stress test to check whether someone can comfortably afford a rise of 5% in their mortgage rates . We have been extremely fortunate over the last 10 years or so but very low mortgage rates were never going to go on forever.

I’m not sure you can expect the govt to get involved . We have been used to very low Interest rates in England for a long time , but everyone knows they can go up .