In this episode of The Finance Han Podcast, I'm unpacking one of the UK’s biggest financial love affairs: owning a home. Is it the ultimate goal, or just a super expensive flex? 

I dive into the emotional pressure, the money side, and the cultural obsession Brits have with “getting on the property ladder.” We’re talking deposit drama, mortgage myths, and why renting isn’t the financial failure it’s made out to be. 

Whether you’re saving for your dream home or side-eyeing Rightmove listings while crying into a glass of wine (we’ve all been there), this one’s for you. It’s time to ask the big question: Do you actually want to own a house or do you just feel like you should? 

Here's What I Cover: 

• The UK is high-key obsessed with home ownership - and it’s not just about bricks and mortar, it’s about identity.
• Owning a home is still seen as a major status symbol (even if it’s mouldy with a dodgy boiler).
• Renting isn’t failure - it can be freedom, especially if you’re figuring things out or love flexibility.
• Buying a house can be a smart move, but it’s also a massive financial and emotional commitment.
• The cost of buying goes way beyond the asking price - think fees, interest, maintenance… it adds up.
• The rental market has its flaws, but it can also be the right choice for your current season of life.
• Your money should serve your life plan, not society’s outdated checklist.

How much will a mortgage really cost you? Use Martin Lewis' Calculator to find out.

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