Well I've been selling some stock on the back of the expected CGT tax rise and moved my house deposit back into sterling, I put my first ever offer in as I was going to fix for 5 years at 4% and leave some cash aside to cover a small mortgage and then go travel for a year.
There is a new development near me which was selling for 200k at the peak, the builder went bust and the bank took hold of all the houses, they are now sellling the 3 beds for 165k, there is another development across the road just starting where the builder is doing 4 beds for 165k. I was told the bank was desperate to get rid so put in an offer of 140k and it was knocked straight back without even a hint of what the bank would accept. V.suprised at that.