Flat or scheme

[bergclimber34]

If you were trying to get on the ladder at age 54, so a short term mortgage

Would you go low end flat all in or shred ownership, are there other options?

Is it worth waiting until +55s options I see at times? How do they work? Are they cheaper?

Any views welcome, I

[OutInTheShed]

'shred ownership' I like that!

Hard to generalise. Some people mid 50s have plenty of working life ahead, others are unemployable and burned out.
Last few years, I've met a lot of people with mortgage debt in their late 60s. Various things work for different people.