Not so mes amies. If you are a UK citizen and use a SIPPS pension to buy the investment (which you can - see Pension Advisory Service web site) the government will put in the equivalent tax rebate and then you can borrow a further 50% of the fund -

ie. Invest £100.00 in a SIPPS, Gordon Brown gives you a further £40.000 (you´d be a higher rate tax payer if you had a hundred grand!) and borrow another £70.000. Total = £210.000

Even if you are getting a low leaseback return (say 4.5%), that´s going to generate £9.450 income per year (normally index linked) and you would be paying (say) 5% interest on the £70.000 you borrowed (£3.500), so getting a yield on the money invested of almost 6%.

It´s not going to make you rich overnight (and you can´t touch it till you retire), but it´s steady and secure.