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In theory, theory and practice are the same. In practice, they're not. :)

It doesn't "fade". You pay as you go. Your lender adds 4% onto the inflation rate so if inflation rises, so does your interest bill. Inflation is NOT a free lunch. You pay full price. BTW My objection to the inflation argument is for investment prop. I am a believer in owning the house you...

And your costs and needs don't? I'm an "inflation sceptic" I'm afraid.

I have yet to work out why res housing is considered a "retirement vehicle". At least Dazz makes a decent margin on his commercial stuff and once settled you would not be getting calls from your PM every week.