To not want to be mortgage free?

[chatenoire]

There MNs I've been playing with spreadsheets all day, and quite frankly came to the conclusion that I'd rather have more freedom than to be mortgage free.

The original plan was to be mortgage free within this decade, but the price to pay is to put in half of our truly disposable income.

Which means we would be able to go on big holidays nor any major home improvements. Our mortgage is tiny (£375 - deal expires in May next year), so I don't see the point of sacrificing quality of life for the sake of never having to think about it again. I'm sure through the cycles deals expiring, overpayments, etc.. we'll end up being mortgage free before hitting 50, so that's not so bad, right?

Agree

@CurlyhairedAssassin that’s not correct. I do like having a mortgage. I prefer it to renting, and I don’t think there’s any circumstance in my life at this stage where I would not be paying a monthly fee for my housing.
also, my end goal is not owning my house outright. It’s a lovely house but I don’t intend to stay in it. I don’t have an end goal, my ongoing aim is to invest in my property because I believe it is a good investment.