Ouch. It can be a tricky one. We almost bought a place in 2005 I think it was that was near on 200K. It was a new build and fancy as fuck but was over valued and our financial adviser dude was like, in a years time you would be in negative equity cos it would be worth way less. It was even worse than that, when the financial crash hit they really plummeted! So glad to escape that nonsense!