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some lenders will go up to the age of 80. 80?! yeah. it just depends. it is all lender—specific. in terms of the term lengths, sort of 30 years, a0 years? yes, we can go up to a 40—year term as well. a new ifs analysis by age and region shows people in their 20s and 30s most affected by rising mortgage costs, facing a £300—£360 a month hike. and those in london and the south—east, where house prices and mortgages are the highest, face a bigger hit. people such as ewan, a management consultant, having to find an extra £400 a month. if inflation remains sticky, as it is predicted to be, there will be a lot of home repossessions, a lot of people forced to sell. which will cause a bit of a housing crash, and our property is valued based on other people's demand. and so our property might depreciate below the value of our mortgage, so we will be in negative equity. who knows? price rises remain hot, so more interest rate rises

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