Trackers... I have to take a risk and assume house prices are going to fall... Im going to sit this one out... I can't justify a purchase at the moment...
all the signs are pointing to a slowdown... Then maybe I will have an opportunity after a slowdown... I will plood along, build up my deposit, through share portfolio growth...if house prices fall say 10%, interest rates fall within a few years, then I'm looking at a 10 year loan... rather than the full monty at 30yrs...
I want a family so the two flatmates situation could only be seen as a temporary thing...
If house prices continue to rise, then thats ok too... there are other paths, and I dont think im just limited to housing...
I will continue to focus on shares over the next few years... and only look to property if it becomes more in my favour...