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tbf, thats because theres a government subsidy on mortgages, which in 3-5 years will go. the current policy on housing/mortgages is appaling, its the same as that which the US followed in the 90's seeding the recent events. i've yet to see an economist who think its a good idea.

i'm not an economist, a mere enthusiastic follower and observe the same things have been said every year for the past 4 or 5. if you wanted to, you could find a website claiming and "proving" the same thing going back to 1994, and in pamplets and newsletters for decades before that. basically...