Don't, buy what you can afford outright.

Once again we are heading into a recession, expect to see large numbers of redundancies in the new year, just as interest rates are heading one way.

What you should borrow for (unless you are a business investing in production etc) is one thing only, the roof over your head ie something that generally appreciates over time, even if house prices take a hit (they will) they are about the only thing that always bounces back given time if you can ride out the peak interest hikes, plus you've got to live somewhere it might as well be somewhere you will eventually own outright.

There's going to be lots of tears soon when those who've lived on cheap credit without anything to fall back on hit the buffers of reality.