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Honestly Graham, if it was me I would be having a chat to a local accountant or bank loans officer and ask them about the local real estate conditions. They are more likely to give you unbiased advice than a real estate agent, who are only trying to sell you something. They could also go through some financial options, factoring in the rises in interest rates that will probably continue to happen. It is also better to take out a loan before you get too old, as there is pressure on trying to pay it off before retirement. We are hammering our loan to get rid of it as quickly as possible.
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