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Surely it can't be possible? To chop 100 big ones off your mortgage without even trying? How about chopping a few years off the term of the mortgage too, all absolutely free? Sound too good to be true? Well, dear home buyer, get a load of this! We will consider the UK for the purposes of this article (although the principle is valid anywhere). First of all, let's remember that the UK property boom is now well and truly over, and prices are sliding (according to the UK's 'Land Registry', the official source for property transaction figures), and have done so for 11 months straight.