When Mike Hoffman managed to negotiate on the price of his two-bedroom flat, he felt proud of himself for getting a bargain. But little did he realise he would come to rue his “good fortune.”

“I bought my flat in September 2020, which was during lockdown , and I managed to negotiate quite a bit as there had been two buyers before me where the sales had fallen through,” he told The i Paper.

He explained: “The seller wanted to find a buyer in a strong position. I was studying for my PhD in computer science at the time and while I was studying, I was self-employed and was doing training courses for different businesses. New Feature

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“So I had an income stream while a lot of people were furloughed and could not get a mortgage. I got

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