Long-term stock market returns are 9-10%. 7% is after inflation but that's acting on your mortgage as well. Mortgages are indeed cheap leverage for your savings

Long-term stock market returns are 9-10%. 7% is after inflation but that's acting on your mortgage as well. Mortgages are indeed cheap leverage for your savings portfolio as you're basically using as collateral a probably somewhat oversized asset, since most people could easily live in a smaller/simpler house if an unforeseen event happens. It's still a higher risk investment of course.