If money does happen to be your prime reason for buying a property, then look at it this way: The reality is that most people piss 99% of any spare money they have up the wall one way or another (boozing, skiing holidays, a new car, recreational drugs, organic vegetables, mobiles phones - take your pick). Look upon a property as a kind-of enforced saving scheme which at least puts money out of your all-consuming spendthrift reach. Comparisons with if I did X with my money instead of buying a property I'd be Y pounds better-off are futile, because no-one ever does X - they just piss it up the wall.