If you have to get loan to buy house by now you are living above your means. Which imo means your looking at close million dollar properties. The sale of your home should cover cost of home down here?
If you can't retire at 55 on 65k pension without down spending you never will.
65k year is more than enough to retire on here, if you live within your means and don't have to take trip every month or compete with the snobs.
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