Love your stuff. But that isn't true. We have loads of houses, an increasing surplus. Prices have gone up because of interest rates and inflation and because brits don't like investing in equities. I was paying 550 for a room in Hammersmith in 2005, now its around 1k. Which is roughly inflation.

Agreed. Borrowing to buy ILBs at a secured rate. Problem is is if you look at returns for these sorts of products over the last 40 years they have been equity like because of lower rates. People think housing as equity because of this. But it’s not. We will see this in the next few yrs.

More an index linked bond I would suggest. Returns fixed with inflation.

They put the prices up before to not give sticker shock. Check the 2 yr numbers.

If you make it easier to get finance, Elon sells more cars. Conflict of interest.

Car finance is an important cfpb competence. Main way in which Americans buy cars.