Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

How can I get a mortgage I can't afford?
If you can't afford it don't buy it, the next perfect house is just around the corner. The more time you spend researching and looking at houses, the increased chance you will find the perfect house you can afford. Also, here in Australia, we (the banks as well) factor in an interest rate rise of 2% above current rates to see if repayments can still be afforded at this increased rate.