Buy-to-let risks being the brick that knocks the housing market down as the one-time can't-lose route to millionaire status unravels. Amateur landlords are facing big jumps in mortgage repayments - assuming they can find a loan as the credit crunch forces lenders out of the market. Many will give up and hand in the keys - especially those who bought newly built flats in the past two years, some of which have halved in value.

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