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its also worth pointing out that 95% or greater mortgages weren't available in the 80's, you had to cough up 25% minimum. There were no easy buy schemes either, interests rates were in the 20%+ range. So we can say times were better, but they weren't, they were just different. However, the same principles apply, as they have always done. For Mr & Mrs average to be able to buy a house, they need conviction to do it, they need to focus on that as their goal and go for it.