I wonder if the author of the post will return here to find out what decision he made. Because if he took out a mortgage, then he has only 26 years left to pay off instead of 30. Time flies fast, so I would take out a mortgage and not spend the money to rent a house. But it depends on the source of earnings, especially if we remember that now there is a pandemic and there are some difficulties with money..many people have lost their jobs and can't find a new one..I've already heard a lot of sad stories where people can't make monthly mortgage payments due to financial difficulties, so now taking out a mortgage is a risky move. To be honest, my friend got into a difficult situation last year, so I found a mortgage broker essex to find out what to do next. He has lost his main source of income, so he cannot make large mortgage payments. So I really hope that he can get out of this situation, but if you have a couple of tips, please share them.