yeah, i’ve had a stable relationship for nearly four years now, and we need our own place to make the next steps in our life i reckon

i’ve been using this tool called mortgage.monster where you can put in a view of rates expectations and property value (it doesn’t let you put inflation expectations in though)

but even under extremely shit conditions (persistent 5% rates that fall to 3% in 5 years, and a 25% drop in property market followed by sub-1% growth for 30 years) it still seems like you’d build your equity up with time

inflation can obviously make a massive impact over that sort of time period, but there’s not much you can do about that

feels like in almost all cases i’m probably better off just biting the bullet, buying, building equity - didn’t used to be the case when renting was cheaper, but certainly feels like buying sets you better off now (especially if you want to build a family which i do)