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@prayingwife2015 I'd say the key things are: it is in a great location (difficult to come by) it is incredibly cheap for a 4.5 apartment (again difficult to come by) If I were you I'd either sublet one of the rooms to a friend or just cut expenses in other areas. Like eating out less often...

@paulnorthuk If dividends are taxed then it is not really tax heaven....