Buying early can suit some people, but age alone is not a reason to take on a mortgage.
Check financial readiness
Consider income stability, debt, purchase costs and a cash buffer. Test repayments under less favourable conditions. Property prices can fall, and owning a home does not guarantee growth or financial security.
Compare alternatives
Renting may suit a changing job, location or household. Saving or investing differently may also support longer-term goals. Review assistance schemes only if you meet their conditions and plan to fulfil owner-occupancy requirements. The right time to buy is when the property and commitment fit your circumstances, not when a deadline based on age says you should.
