The Rat and Mouse has traditionally taken a bullish stance on the housing market, and even today, with Nationwide reporting a -0.2% fall in June, and a mere four per cent rise in the year, we can't help marvelling at vendors' unwillingness to lower prices and spark the crash some people are itching to see. Has so much ever before rested on the next interest rate move? Down: a few more ftbs may be encouraged to the market and prices may recover. Up: who knows?