Wow......that's not a gross generalisation is it? So a mortgage is about the discipline? No thanks, i can be disciplined without paying for an overpriced asset. Don't get me wrong, everyone should strive to own their home, but when an asset is priced this high it's not a good investment. There is a very good chance property prices will go nowhere for the next five to ten. If that happens your"have to save option" is really a "lose money option"
