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@lightmyway82 It comes out much of a muchness on the house - less monthly expenses, but lower capital gain after paying back the remaining dept, but, critically, it reduces your monthly mortgage expenses by ~2k. If you put that in shares, as OP is doing in the rental situation, you would come...

@turboizak Hang-on. Are you suggesting you pay the whole mortgage off in 10 years? Why on earth would you do that if you're looking for capital gains? Housing is about leverage. Pay the P+I on a 30 year term, or even interest interest only. You do not have to pay the house off to sell it for...

@valpal1123 How do you figure? If they had to borrow 100k more than their neighbours then they're paying an extra $100+ per week to live in the same situation. Having $100 extra per week makes a huge difference in quality of life, whether you spend it or invest it.