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@drradiaki18 How would you know? Ask among your engineer, law, finance or banking friends whether their wage increases match inflation (currently in the 5%'s) or not. It's the real wages for the top earners that dictate house prices. Someone locked out of the market plays no role in house prices...

@drradiaki18 I don't see any indication that wages for the better-earning half of the population (ie the ones actually in the market to buy a house) are declining in real terms.

@jesuslover07 They did say this last month also. However, I do fear that the end is near for big rate hikes, much to the chagrin of everyone who hasn't overextended.

@resjudicata Just raise rates anyway till inflation is nice and low. No harm, no downside

@allenschwartzmd It's best practice to do what you're doing. Keep the competitor on the hook and just change between various firms every 12-18 months. Treat your employer like you would treat a telco - switch to whichever is offering a better sign on bonus. Your employer will not think less of...

@melissa43 We already have that.

@kempoutzzz I bought 11 years ago and also bought 4 years ago I think property is ridiculously overpriced It needs to crash and burn... ...but it won't. 15-20% falls max. I don't like the train of thought that anyone who hopes for a property crash is salty for not buying in.

@ngallbass I love that OP created this bot in response to the user's crazy assertions...then the user blocked OP's bot...!