They don’t call me ‘Jonny Three-Flats’ for nothing. Renting in Leeds, lodgings in Glasgow, and now – my own pad in Glasgow. Fan-bleedin’-tastic. And it is the one I thought it was, which is reassuring.

All this, on the day the Daily Express’s top story was headlined ‘Mortgage Rates to Rise – Decade of Misery for Homeowners.’ Oh, well, too late now.

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