sorry mate but if ya dont earn enough to qualify for a mogage what can ya do, where i live a studio flat is 200k+ i dont earn 50k a year to qualud=fy for a morgage or anywhere near that my rent is too cheep to need a morgage either, 200 quid a month for my rent , no matter how much houses go up by a 200k morgage is gonna cost me a fair old wack, but a 200 quid a momth rent then i aont gonna loose anythong asn nomatter what i seel it for i still gotta buy a new place anyway , so ya dont actually see the money unless ya down size or move away

i cant see the point in having 200k in a object ya cant use at any point , unless ya earn enough not to worry about the money , but to hjave a head aches and strees to raise the money andf make payments its not worth it