to think getting a mortgage on a property is not something worthy of congratulations

[sallyknowsit]

Maybe its me but I don't get why people see getting a mortgage as such a congratulations moment. Paying off the all the mortgage is.

A mutual friend has just got a mortgage on a flat, other friend thinks its the the done thing to send a congratulations card for "buying a flat".

I see it as the bank has just bought a flat and she will have to pay them back or she will very quickly find herself homeless. And has the risk of always needing a well paid job for 25 years and could have her disposable income slashes if rates do rise.

Am I just being too cynical?

I have no idea what is wrong with someone celebrating their friend's success. Buying a property especially your first one is really stressful and it does feel like a big accomplishment when you exchange/complete.

Does this card actually say anything about a mortgage or are you putting a weird spin on it because you don't want a mortgage yourself?

This homeless thing is weird too. Your friend is way more secure in her flat than in private renting.
Do you object to wedding cards on the basis that you're congratulating the happy couple on now being eligible for a divorce?