Time in the market beats timing the market. You were always going to need somewhere to live, so whatever net worth you have that's locked inside your house is

Time in the market beats timing the market. You were always going to need somewhere to live, so whatever net worth you have that's locked inside your house is almost theoretical. Even if house prices crash a huge amount, they'll probably come back at some point, unless we're heading for an era of Japan-style stagnation. It's not ideal, but as someone in a similar boat to you (price agreed mid 2021), I'm probably going to end up technically underwater at some point despite dropping a large deposit. Only thing to do is to bear down and at least be happy that you have a house.