buy a house outright, no loan, page-28

With money in the bank, by the time you pay tax and have to pay provisional on it, counting inflation you are getting negative growth anyway. But well done on saving that much over the years. If you stacked it up against rent and the above over a eight year period you would be behind, way behind in growth. That is not belittling your effort because I believe 99% of the population would not have it in then to save eve a quarter of that.