It's very hard to post about such a broad subject and receive meaningful advice. Here goes. I'm in my early 30s, rent in London with no mortgage, and very few savings. My salary is a good amount over the UK national average, but not extravagantly so. I work in London and cannot work elsewhere in the UK, but I could work in other countries (in Europe and outside Europe). Even without MS, I'm not in a great situation (with the exception of my salary). Saving for a mortgage in my early 30s means I'll be approaching retirement when the mortgage term finishes. With MS, the probability that I won't be working until retirement is increased. The situation starts to look pretty bad. My priority is to secure a place before I'm unable to work. Countryside, fresh air, low crime, and a good quality of life are important to me. The UK and specifically London seem to be the worst place to attempt securing a home while I'm able to work. House prices mean even £300,000 won't give me a particularly nice place. And that's assuming I'm able to work for the next 30 years. Renting in London makes saving very difficult. I feel as though I'm on a time-bomb. Sooner or later MS will affect my ability to work, and I have no security. Renting or attempting to buy in, or near London are compounding the problem. Enter drastic plan. *Assuming* I could work in Berlin (which is a possibility), there are some wonderfully pretty, cheap houses on the outskirts of the city, with excellent transport links into Berlin CIT (< 30 mins). For example Oranienburg. Renting near Berlin and working in Berlin would allow me to save up at a *much* faster rate than in London. Buying in Berlin is actually achievable in my salary, and I have the possibility of securing a nice home while I can still work. OK, that was a lot. Main points I could do with some random comments on: 1) Should I ignore MS and just get start a UK mortgage now and hope to god, somehow I'm remain working full time for the next 35 years? 2) MS + London property appears to be compounding the problem from both ends (reduced time to work, and astronomical property prices). Agree / disagree? 3) Is drastic plan outlined above just dumb? Personally, I think it's my best shot at a) saving and b) buying and c) high quality of life.