Hi Billham
Yes I fully except the bubble burst long after I thought it would. This is a great pity as it would have been less severe 5 or so years ago.
I fully accept prices will go up again sometime. I would guess about 10 years to reach previous peak and by that time wages will have caught up.
I wonder how thise people who lied on self certification feel now. Guess their lender should take them to court for fraud.