It’s a plain looking letter, but the final loan repayment on your house marks a real milestone in your life. Or perhaps it’s so close you can practically feel the weight coming off your shoulders – one final decade of repayments before you fully own your property. But there’s an old saying that new levels bring new devils, and each financial milestone brings new challenges. This may also be the time for your children to go abroad to an Ivy League school – and you can’t help noticing the bill resembles the national debt of a small, badly managed country. Or perhaps it’s finally time to quit your job and set up your own business; but pulling the molars out of a live gorilla would be easier than getting financing right now. That’s when you get depressing realisation that – after all these years of paying for your home,...