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"Home ownership can be a thing of beauty. Just as you don a pair of fur-lined slippers and spend more time on the golf course, you find you have paid off your mortgage. For the rest of your life, accommodation is effectively free.
"But this utopian model is becoming the exception. High house prices mean we are borrowing more for longer. And more significantly, the UK is slowly ceasing to become a nation of homeowners.
"Over the next 15 years the number of people renting their home from a private landlord is expected to double to more than nine million."
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