That’s a big gamble. I thought this was about asymmetric upsides but here there’s a pretty huge downside.

Firstly, how do you realise the gain when you need somewhere to live? Primary residence != investment.

Secondly, 20x leverage shouldn’t be a selling point. A tiny dip in prices leaves you in negative equity and unable to move home. Less of an investment and more of a prison.

95% LTV mortgages tend to come with well above average rates to match the level of risk too. The gamble isn’t cheap.

Property can be a great investment but people are confusing buying a home with investing in property. They aren’t the same thing.