Your score will not be affected. A second home usually carries the same Interest rate as your Owner Occupied. The difference comes into play as to qualifying for a Mortgage. Buy now and your Income as to be enough to qualify with all your Bills and the new Mortgage. Once retired in most cases your income is lower and that can make it difficult to qualify. Contact a Mortgage professional and have him do an analysis of your current situation and also where you will be once on a Pension to see what will work best.
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