A mortgage may be worth considering if you can afford the deposit, monthly payments and extra costs, and expect to stay in the property for several years. Buying can provide a route to building equity, but you also take on interest, arrangement fees, legal costs, repairs and the risk that property values or mortgage rates change. Renting may offer greater flexibility and fewer maintenance responsibilities, although you do not build ownership in the property. Compare realistic budgets using MoneyHelper’s guidance and consider advice from an FCA-authorised mortgage adviser before deciding.