As a mortgage adviser if you need to move (family bigger, job location)then move and buy to suit yours needs and budget. If you don’t. Need to move then don’t – looking at 5k cost minimum to move usually more and paying interest on money / borrowing you don’t need. Mortgages are simply. A lender offers 3% to savers then lends that money 4% plus to make a profit which you are paying. This is from someone who sells mortgages and insurance for a living!!!!