[nly]

Mortgages are generally cheaper than rents right now in the UK, provided you have capital put down for a mortgage

[McScroogy]

But how much capital? You also have to consider opportunity costs of putting down that capital.

Maybe if I put down one million and borrow another 300k, I can get a low mortgage. But I also lost one million.

[nly]

Total return on the housing market has kept pace with the stock market in the UK for 20 years so there hasn't been much opportunity cost over here.