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Had a weird conversation today with someone looking to buy a house, who is only looking at homes at the top of their bank approved mortgage limit.

Just because the bank approved you for a million dollar mortgage doesn't mean you should take them up on it, y'all. Mortgage approval numbers are not the same as speed limits.

Buy a house you can comfortably afford, that you can reasonably grow into, in a neighbourhood that works for you. Buying unnecessarily expensive homes is silly.