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@honoluluwindow True, but historically it's a substantially higher rate than the savings rate, and realised a lot faster and more readily than a pension.

@tolearn you are correct

@honoluluwindow I've not looked at the calculator but I'm not seeing the value of the equity affected by the property market in any of the responses. Unless I'm missing something the more equity you have the more you benefit from increase in property value which is historically a high rate...

@eliquinn Lots of people answering emotionally here. SirCaesar is right that you should be comparing interest payments to rent, but that's not the whole picture. You need to model the actual costs of owning, including interest, loan fees (these are incurred every time you remortgage as well)...