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Our situation, living in second step property a two bed Flat in Berks with mortgage paid off after 17years and some savings, looking at additional borrowing between £150,000 and £200,000 to upgrade to a very modest 3 bed family home. Partner and I over 40 with newborn baby late in life but very happy! Waiting to see what happens this year, houses not shifting as fast in our area. Hoping for some significant price drops as not keen on another lifetime of mortgage payments. Just don't see how £350 to £400k for modest semi is justified. Some ex council houses asking for this kind of money. This market is broken even for home owners with equity to move up! Anyone in similar position? Wait and see or take the plunge and sign up for another 20 years of debt? Would like to see a 30 or 40% drop
