This is home buyer with a mortgage or is this home owner no mortgage? I think I got in my first home with mortgage 24 or 25 years old but with my in laws as a guarantee on our loan we would have had to wait years longer for it to. We are now building a house after buying and selling two houses giving us a 200k deposit for the third one but over that time our first house was 319000 second 493000 and now building for around 900000 we live in a coastal area that nearly every house is over 1mil so building was our cheapest option to be in the area . And paying any of this mortgage off is going to take a long time