Being that you're from England, looks like most of your mates are doing the exact opposite:
https://www.theguardian.com/business/2023/oct/10/bank-of-england-flags-concerns-over-longer-mortgages-and-rise-in-credit-card-use
Being that you're from England, looks like most of your mates are doing the exact opposite:
https://www.theguardian.com/business/2023/oct/10/bank-of-england-flags-concerns-over-longer-mortgages-and-rise-in-credit-card-use