its the only city in the UK, were you can make £400,000 on one property in 9 years, maybe more
I speak only for myself.![]()
Tell me about you plan to realise those mad gains - go homeless?

I think the actual realisable gain you have made is the difference between the deposit you put on then and the deposit you'd have to put down now, plus however much extra a month the mortgage would be over a period of years (however long you will stay there - perhaps 5-10 years but totally down to you). Sure there is more interest to pay on a bigger mortgage, but I think liquidity the in the medium term is the true value - unless you are planning to stay there forever / pay off that mortgage at rates that are sensible upon re-mortgaging. If you're not paying off all the extra interest on this hypothetical mortgage until the loan is actually paid off then eh.. I don't really think that counts as a true 'saving'.
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