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Plenty aren't though, yes some windys they'll take quite a hit I agree most likely the younger new homeowners, just depends if they were smart enough to get a decent fixed term when they took out a mortgageA lot are maxxed to the hilt with big mortgages so an interest rise will affect them much more.
most of the ones I have are in good jobs and have been in their houses for a few years some of mine are 10 year old houses and customers, I've not bothered with the more recent new builds